PRUsave limited pay

• Lump sum payment in the event of Death, Terminal Illness¹ and Total and Permanent Disability¹
• Available for terms 10, 15 (for 5 year limited pay), 15, 20 (for 10 year limited pay), 20, 25 (for 15 year limited pay)
• Choice of cashing in bonuses (non-guaranteed) accumulated
• Option to borrow up to 90% of the policy's cash values**
• Interest-free loans to cover medical expenses resulting from a surgical operation ⁺
• Acquires surrender value from the end of the 1st policy year
• Allows increase of coverage at life's major milestones without evidence of good health. Within 3 months of marriage, upon the birth of your child or the adoption of a child, you can choose to take up a new endowment or term plan.^^
• Offers 2 options at maturity to collect maturity proceeds:
  • In one lump sum
  • In Yearly Instalments over 3, 4, 10, 15 or 20 years depending on your needs and outstanding balance will continue to earn interest at 3% pa*
• Adds on these supplementary benefits for more comprehensive coverage
  • Crisis Waiver pays for your premiums in the event that you are diagnosed with any one of the 30 critical illnesses
  • Comprehensive Personal Accident III benefit receive an additional lump sum payment in the event of accidental death and dismemberment
    • reimburse your medical expenses incurred due to the accident and pays out a weekly income if you cannot go to work because of the accident.

Case Study 1: Buying 5 year payment / 15 year term PRUsave limited pay for Retirement Planning

Mr Tan (aged 45 on his next birthday, non-smoker) would like to plan for his retirement by setting aside $1,027 every month for the next 5 years. At maturity (at the end of the 15 years), when he would be retired, he would like to receive the maturity instalments over 10 years.

At the end of 15 years, total maturity benefit of $99,726 will sit in an account, which earns a non-guaranteed interest of 3% p.a. ^@. Mr Tan will receive an instalment amount which increases each year due to the interest earned.

For as little as $0.56 a day, Mr Tan can enhance his coverage by adding Crisis Waiver. This benefit will ensure his retirement savings plan will continue should he be diagnosed with any one of the 30 critical illnesses.

Case Study 2: Buying 10 year payment / 20 year term PRUsave limited pay for Child's Education

Mdm Lim (aged 35, non-smoker) would like to set aside $516 monthly for the next 10 years to fund her son's (aged 1 on his next birthday) university education. She hopes to receive at least $65,000 upon maturity, as that is the current total fee required for a local degree. She would like to receive the maturity over 4 years.

At the end of 20 years, total maturity benefit of $116,595 will sit in an account, which earns a non-guaranteed interest of 3% p.a. Mdm Lim will receive an instalment amount which increases each year due to the interest earned.

Case Study 3: Buy 5 year payment / 10 year term PRUsave limited pay for Savings towards a Specific Goal

Harry (aged 25 on his next birthday, non-smoker) sets a target to save enough for his condominium down payment when he reaches 35. He would like to set aside $505 a month for 5 years, so that he can receive the maturity proceeds in a lump sum for his dream home.

Attractive accumulated maturity amount can be up to $37,669.

• Available for those between 1 and 65 years of age
• For those who wish to save regularly over a shorter term and are seeking potential higher returns to meet their financial goals.
• Available for Cash funds with Regular Premium payment