An affordable and flexible investment-linked protection plan
that supports you at every stage of life.
Strike that balance between protection and growing your wealth with PRUActive LinkGuard. This customisable investment-linked protection plan provides double coverage against unexpected events, while empowering you to grow your savings through investment in our suite of PRULink funds.
The plan is also designed to be flexible so you can adjust coverage and investment based on your changing priorities as you progress through life.
With PRUActive LinkGuard, enjoy the assurance of double protection, while powering the financial freedom to chase your dreams at every stage in life.
Boost protection with extended coverage against 56 critical illnesses and serious medical events.
A. Promotion Details
Eligible Insurance Plan
Minimum Annual Premium
Additional first-year premium discount2 for Ascend and Opus Customer paying by annual mode
1The Minimum Annualised Premium is defined as the total premium due in a year for the basic policy and supplementary benefit(s) excluding Investment Booster (Lump sum) and/or Investment Booster (Regular).
210% discount is applicable for first-year premium paid on an annual basis only and will be applied on the premium for the basic policy and supplementary benefit(s), excluding Investment Booster (Lump sum) and/or Investment Booster (Regular).
In order to be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements during the Promotion Period in order to receive the Reward and Discount (as defined in the Promotion Table):
Prudential will issue a SMS, Email or Mail (“Redemption Notification”) to each Eligible Customer three (3) months after the policy is incepted provided that the Eligible Customer’s Eligible Insurance Plans purchased during the Promotion Period are in force as at the date of the Redemption Notification. Eligible Customers shall be solely responsible for ensuring that they provide Prudential with a valid phone number or email address for the purpose of redemption. The Eligible Customer agrees and accepts that Prudential will not be responsible for any consequences arising from his/her failure to provide Prudential with a true, complete and accurate phone number or email address and/or notify Prudential of any change(s) to his/her phone number and email address. Reward must be redeemed within two (2) months from the date of Redemption Notification. If an Eligible Customer fails to claim his/her Reward within the stipulated redemption period in the Redemption Notification, his/her Reward will be forfeited, and the Eligible Customer shall not have any claim against Prudential for such forfeiture. Further details of the redemption procedures will be set out in the Redemption Notification.
The Discount will be applied automatically upon policy issuance and meeting the eligibility criteria above.
B. General Terms and Conditions
The Eligible Customer warrants that he/she has obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by Prudential and that the personal data that the Eligible Customer provides to Prudential is true, accurate and complete.
1Optional to retain the Multiplier Benefit throughout the policy term.
2Applicable only if 25 months of regular premiums have been fully paid. Subject to the requirement on minimum withdrawal amount and minimum policy account balance.
3For male or female non-smoker life assured, ages from 1 to 15, with S$200K Multiplier Benefit for death, terminal illness and total permanent disability.
4This No Lapse Period (“NLP”) will be applicable in the first 10 years from the start date of the policy if the policyowner has paid all regular premiums and made no withdrawal from the policy.
5This benefit can be exercised only when the life assured experiences any of the following life events such as marriage, divorce, becomes a parent, delivers a baby, adopts a child through legal means, death of a spouse, children entering primary or secondary school or marriage of the children. It can be enjoyed up to a maximum of 2 times during the policy term and is applicable only if the policy owner has a policy purchased at standard rates. Refer to Product Summary for an updated list of life events and detailed Terms and conditions.
6Applicable when life assured turns age 50 or 10 years from the start date of the policy, whichever is later.
7The life assured must survive at least seven days from the date of diagnosis.
8Any condition must be first considered or claimed against the 56 critical illnesses before being considered under this benefit. The life assured must undergo surgery of any of the vital organs (heart, lung, brain, kidney, liver) as a result of illness or accident, and as a result of the surgery, the insured is admitted to ICU for 3 consecutive days or more. Excluding surgery due to organ donation. Subject to cap of S$100,000 per life assured. Only 1 claim is payable per policy.
Terms and conditions apply. Please refer to Product Summary for more information.
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.
As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.
PRUActive LinkGuard is an Investment-Linked Plan (ILP) which invests in ILP sub-fund(s). Investment products are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units and the income accruing to the units (if any) may fall or rise. Past performance is not necessarily indicative of future performance.
A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your Prudential Financial Consultant. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s).
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.
The information contain 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 contain on this website is for distribution 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.
These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites(www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 19 January 2021.
This advertisement has not been reviewed by the Monetary Authority of Singapore.