PRUsave max limited pay (USD)

We understand you want to have the opportunity to invest in the US economy.

Whatever your financial dreams may be, watch them take shape with PRUsave max limited pay (USD) - a flexible insurance savings plan that helps you look beyond Singapore denominated assets and make the most of investment opportunities in the US economy.


  • Look forward to receiving your maturity benefit in one lump sum payout (in USD) once your PRUsave max limited pay (USD) policy matures.
  • Choice of limited premium payment terms of 5, 10 or 15 years
  • Guaranteed issuance plan regardless of medical conditions
  • Provides financial protection against death1 during the policy term. The death benefit will be the higher of:
    • 105% of the total premiums paid, excluding premiums for supplementary benefits [if any] at the time of death, or
    • 101% of the surrender value at the time of death
    less any amounts owing to us.
  • Surrender Value is available after 12 months of premiums have been paid.
  • Enhance your coverage with Crisis Waiver2 (USD) and Payer Security2 (USD) for added assurance

How it works

How PRUsave max limited pay (USD) works

Mrs Tan (female, non-smoker), age 30 next birthday, wants to save US$100,000 to supplement the cost of her son’s future university education in the US. She plans to set aside US$4,1804 yearly (approximately US$348 per month) for 15 years with a face value3 of US$55,000, so that she can receive the maturity proceeds in a lump sum for her son’s education at the end of 20 years.


Policy Term (years) Annual Premium Payable for Total Premiums Payable Maturity Amount5
Guaranteed Non-Guaranteed Total
20 years US$4,1804
(US$11.45 per day)
15 years US$62,700 US$55,000 US$45,878 US$100,878




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1 Any death benefit/maturity payment will less any outstanding amounts owed to us in connection with the policy.
2 Subject to underwriting.
3 Face value is a notional value used to determine the Reversionary Bonuses (non-guaranteed) and the maturity benefit. It is not the sum assured of the policy.
4 Premium quoted is based on a non-smoking female, age 30 next birthday, with a PRUsave max limited pay (USD) plan (15/20 year payment term) with a face value of US$55,000.
5 The illustrated values use bonus rates assuming a projected investment rate of return of 5.25% per annum for the participating fund. Bonuses, if any, are not guaranteed and 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.

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

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.

Foreign Currency Policies (e.g. USD) are subject to foreign exchange risk.

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.