We understand you want financial flexibility while saving for your future

Prepare for life's uncertainties with the PRUflexicash insurance savings plan. It's designed to help you save for the future, while providing you with protection against unforeseen events. It also offers you financial flexibility with a Yearly Cash Benefitwith the freedom to structure payouts to suit your needs.


  •  PRUflexicash gives you 3 smart ways to enjoy your Yearly Cash Benefit1:
    • Receive a Yearly Cash Benefit1 after the second policy anniversary and use it as you wish.
    • Enjoy bigger payouts on your policy by choosing to defer receiving your Yearly Cash Benefit1 to after the 10th policy anniversary or later3.
    • Accumulate your Yearly Cash Benefit1 with us and enjoy a non-guaranteed interest of 3%2 per annum.
  • Choose a policy term of 15, 20 or 25 years that best suits your saving needs and financial obligations.
  • Look forward to receiving your maturity benefit in one lump sum payout once your PRUflexicash policy matures.
  • Be covered against Death, Terminal Illness4 and Total and Permanent Disability4. Should the unforeseen happen to you, a lump sum payout of 100% of the sum assured plus any accumulated bonuses5, will be payable to you or your loved ones.
  • With changing life stages and priorities, you can buy a new plan6 without the need for medical examination as you experience life’s most significant events such as getting married, becoming a parent, or adopting a child through legal means.
  • Early Stage Crisis Waiver waives the premium payments for a fixed period7 upon diagnosis of early or intermediate stage medical conditions, so that you can concentrate on your treatment.
  • Crisis Waiver III waives the remaining premium payments8 upon diagnosis of any one of the 35 listed Critical Illnesses and ensures that your financial plan remains in place.
  • Early Payer Security, which waives the premium payments for a fixed period7 upon diagnosis of Early or Intermediate Stage Medical Conditions, so that you need not worry about your loved ones losing coverage while you concentrate on your treatment.
  • Payer Security III/Payer Security Plus safeguards your loved one’s policy in the event that Death, Critical Illness or Total and Permanent Disability strikes you.
  • Accident Assist provides an additional lump sum payout upon accidental death or injury and also reimburses medical and Traditional Chinese Medicine (TCM) expenses incurred as a result of an accident. This supplementary benefit gives you the option9 to enhance your coverage to receive additional recovery assistance.

How it works

Mr Lee (male, non-smoker), age 25 next birthday, plans to set aside S$12,56810 annually (approximately S$1,047 per month) for 15 years. He wants to receive his Yearly Cash Benefit1 of S$6,000 starting from the end of the second policy year for his personal expenses, and looks forward to his maturity payout in a lump sum when he reaches age 40.


End of Policy Year Annual Premium10 Projected Amount11
Projected amount receivable up to maturity
Guaranteed Non-Guaranteed Total
1 S$12,568 - - -
2 S$12,568 $6,000 - $6,000
3 S$12,568 $6,000 - $6,000
4 S$12,568 $6,000 - $6,000
5 S$12,568 $6,000 - $6,000
6 S$12,568 $6,000 - $6,000
7 S$12,568 $6,000 - $6,000
8 S$12,568 $6,000 - $6,000
9 S$12,568 $6,000 - $6,000
10 S$12,568 $6,000 - $6,000
11 S$12,568 $6,000 - $6,000
12 S$12,568 $6,000 - $6,000
13 S$12,568 $6,000 - $6,000
14 S$12,568 $6,000 - $6,000
15 S$12,568 $66,000 $67,433 $133,433
Total S$188,520 $144,000 $67,433 $211,433




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1 Yearly Cash Benefit is a payout of 5% of the PRUflexicash sum assured after the second policy anniversary.
2 The interest rate is not guaranteed and is subject to change according to prevailing market conditions.
3 No later than one year before the end of policy term.
4 Policy provides coverage against Terminal Illness and Total and Permanent Disability before the cover expiry date, which is the policy anniversary on which the Life Assured is aged 65 next birthday, or the end of the policy term, whichever is earlier. The Life Assured cannot claim for both Terminal Illness and Total and Permanent Disability.
5 Bonuses, if any, are not guaranteed and will vary according to the future experience of the participating fund.
6 Sum assured of the new policy for each life event can only be up to a maximum of 25% of the original sum assured or S$150,000, whichever is lower. The option to purchase a new policy can only be exercised twice in a lifetime of the Life Assured. The maximum additional cover for these two life events can only be up to a maximum of 50% of the original sum assured or S$300,000, whichever is lower.
7 Upon diagnosis of Early or Intermediate Stage Medical Conditions, the future premiums of the covered benefits will be waived for 5 years or 10 years respectively, or the remaining premium payment term, whichever is shorter. The maximum premium waiver period is 10 years, after which the benefit terminates and premium payment for the covered benefits resumes.
8 Future premiums of the covered benefits are waived up to age 85 or until the end of the premium payment term, whichever is earlier.
9 Recovery Aid is an optional benefit that can be added to Accident Assist.
10 Annual premium quoted (rounded up to the nearest dollar) is based on a male, non-smoker, age 25 next birthday, with a sum assured of S$120,000.
11 The illustrated values use bonus rate assuming a projected investment rate of return of 4.75% per annum. As the bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund.


You are recommended to read the product summary and seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.

This website is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to these insurance products in the policy documents that can be obtained from your Prudential Financial Consultant.

The information contained on this website is intended to be valid in Singapore and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore. In case of discrepancy between the English and Mandarin versions of the e-brochure, the English version shall prevail.

Information is correct as at 5 October 2016.