PRUgolden income premier

We understand you want the assurance to receive income in your retirement years

You have worked hard to provide for your family and to help fulfil their dreams and aspirations. While you have also managed to accumulate a sum of money in your bank or Supplementary Retirement Scheme (SRS) account1, you would now like to have a viable retirement plan that provides you with a regular income so you can enjoy a comfortable lifestyle during your golden years.

PRUgolden income premier is a single-premium endowment plan with a choice of retirement age that offers you a Monthly Income2 for 20 years. With this capital guaranteed plan3, you may now enjoy life’s pursuits and achieve your desired financial goals even after you’ve retired.


  • A capital guaranteed plan3
  • A guaranteed issuance plan with hassle-free application
  • A viable retirement plan using either cash or SRS
  • Guaranteed portion of your Monthly Income2 increases at 4%4 per annum
  • Broad coverage with
    • Death Benefit
    • Family Income Benefit5
    • Disability Monthly Income6
    • Lifestyle Multiplier Benefit

How it works

How PRUgolden income premier works:

Mr. Lee (male, non-smoker), age 50 on his next birthday, plans to retire when he reaches 65 years old. He seeks to have a Monthly Income over a period of 20 years in his golden years. By setting aside a lump sum of $114,6467, he can look forward to potentially receive his Monthly Income of $9568, which includes a guaranteed portion of his Monthly Income of $350 that grows at a simple interest of 4% per annum. Here’s how PRUgolden income premier may help Mr. Lee realise his retirement planning goals.

PRUgolden income illustration

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1 If you bought your Policy using SRS funds, your Policy is subject to the terms and conditions of the Supplementary Retirement Scheme. All payments made will be according to the terms and conditions of the Supplementary Retirement Scheme.
2 Monthly Income comprises a guaranteed portion and a non-guaranteed portion. The Monthly Income is paid to you every month throughout the Monthly Income Period commencing on the Policy Anniversary immediately before the life assured attains his selected retirement age of 55, 60, 65 or 70 and ending with the last Monthly Income instalment paid on the maturity date.
3 PRUgolden income premier is capital guaranteed if it is held till maturity and no alteration is made to the plan.
4 The guaranteed portion of the Monthly Income will increase annually at a simple interest of 4% starting from the second year of Monthly Income Period. Based on simple interest calculation, the yearly increment will be the same amount calculated at 4% of Initial Guaranteed Monthly Income.
5 We will pay the Family Income Benefit upon the death of the life assured during the Monthly Income Period. We will pay a monthly payment equal to the Initial Guaranteed Monthly Income for 12 months or the remaining months to policy maturity, whichever is shorter.
6 If the life assured becomes Totally and Permanently Disabled because of an Accident before age 65 next birthday, we pay this Disability Monthly Income until the maturity of the policy or upon the death of the life assured, whichever is earlier. The amount of the Disability Monthly Income will remain the same throughout the payment period. If the life assured stops being Totally and Permanently Disabled, we stop the Disability Monthly Income payments. This benefit is not applicable if the life assured is age 65 next birthday or above at the Cover Start Date of his policy.
7 Premium quoted (rounded to the nearest dollar) is based on a non-smoking male, age 50 next birthday (retirement age at 65) with an Initial Guaranteed Monthly Income of $350.
8 Projected first year’s Monthly Income comprises of $350 guaranteed Monthly Income and $606 (rounded to the nearest dollar) non-guaranteed Monthly Income. The illustrated non-guaranteed Monthly Income is projected assuming a projected investment return of 4.75% p.a.. As non-guaranteed Monthly Income is not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund.


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.

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

The information on 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 only 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-Brochures, the English version shall prevail.

Information is correct as at 27 May 2016.