New LIA Guidelines :Our Singapore-dollar (SGD) denominated Participating policies from 1 July 2021 will show updated illustrated investment rates of return, in accordance with the changes in LIA Guidelines on Policy Illustrations 2021. This change does not affect existing customers with policies submitted before 1 July 2021. For more information, please click here.

IMPORTANT NOTICE: Our Customer Service Centre at Marina One, is currently available by appointment only. Starting 1 Jun 2021, we will no longer accept cash payments. Enrol for payments via DBS/POSB GIRO or Credit Card at For more payment options, click click here.

IMPORTANT NOTICE : For more information on COVID-19 related reliefs please click here.

PRUACCESS: In accordance with PDPC's Advisory Guidelines on the PDPA for NRIC and other National Identification numbers, we will no longer be using NRIC/passport numbers/FIN for login purposes from 1 Aug 2019. If you have yet to create a user ID, please click here.

Changes to the way you’ll receive your letters: From Aug-20, we'll begin sending letters such as payment and renewal notices, payout letters and more, digitally instead of via mail. Eligible customers will receive an SMS whenever there is an e-letter for you. For more info, please click here.


PRUActive LinkGuard

An affordable and flexible investment-linked protection plan
that supports you at every stage of life.


What is PRUActive LinkGuard?

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.

Flexible protection that can keep up with your changing needs

Enhance coverage with supplementary benefits

Boost protection with extended coverage against 56 critical illnesses and serious medical events.

*Terms and conditions of PRUActive LinkGuard Launch Promotion (“Promotion”)

A. Promotion Details 

  • Definitions:
    • “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
    • “Promotion Period” means the period between 19 January to 31 March 2021 (both dates inclusive).
    • “Eligible Customer” means policyholders whose proposal for the Eligible Insurance Plan is submitted to and incepted by Prudential during the Promotion Period.
    • “Eligible Insurance Plan” means PRUActive LinkGuard.
    • “Reward” means NTUC FairPrice e-gift card amounting to S$138.
    • “Discount” means the percentage discount given to the Eligible Customer as stated in the Promotion Table below.
    •  “Promotion Table” means the table below.


      Eligible Insurance Plan

      Minimum Annual Premium


      Additional first-year premium discount2 for Ascend and Opus Customer paying by annual mode

      PRUActive LinkGuard




      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).

  • Eligibility

    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):

    • If the Eligible Customer’s proposal for the Eligible Insurance Plan is submitted to Prudential and incepted by Prudential during the Promotion Period.
    • This Promotion is valid for all premium payment modes (monthly, quarterly, bi-annual and annual). 
    • Ascend by Prudential and Opus by Prudential customers enjoy an additional 10% off first-year premium for the Eligible Insurance Plan submitted and accepted by Prudential during the Promotion Period. To enjoy the discount, first-year premium of the Eligible Insurance Plan must be paid on an annual basis. 

  • Reward
    • An Eligible Customer is entitled to receive a Reward in accordance with the purchase of an Eligible Insurance Plan in the Promotion table above.
    • Each Eligible Customer will be entitled to a maximum of one (1) Reward per life assured per Eligible Insurance Plan.

  • Reward Redemption

    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.

  • Discount
    • An Eligible Customer is entitled to receive a Discount in accordance to the Promotion table above.
    • The Discount in this promotion shall be on a ‘per-policy’ basis (subject to the terms and conditions of this Promotion), there shall be no restrictions on the number of Discount transactions an Eligible Customer can enjoy.
    • This Promotion is not applicable should the Eligible Insurance Plan be cancelled within the fourteen (14) day free-look period. The premium amount refunded will be based on the premium amount paid by the Eligible Customer.

  • Promotion Mechanism 

    The Discount will be applied automatically upon policy issuance and meeting the eligibility criteria above.

B. General Terms and Conditions

  • By participating in the Promotion, each Eligible Customer is deemed to have accepted and agreed to be bound by these terms and conditions contained herein and any other instructions, terms and conditions that Prudential may issue from time to time. 

  • Prudential assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, garbled or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the Promotion

  • Prudential has the sole and absolute discretion to exclude any Eligible Customer from participating in the Promotion without any obligation to furnish notice and/or reason.

  • Prudential reserves the right to disqualify or disregard any Eligible Customer who does not comply with the terms and conditions contained herein.

  • Prudential may at its discretion forfeit the Reward/Discount, or, if already awarded, reclaim the Reward/Discount at the expense of the Eligible Customer without payment, compensation, or having to give any reason whatsoever in the event Prudential subsequently discovers that the Eligible Customer is not eligible to participate in the Promotion and/or to receive the Reward/Discount. 

  • Rewards are subject to availability while stocks last. Prudential reserves the right to replace any Reward/Discount with items of similar value at any time without prior notice.

  • Prudential shall not be liable for any loss of, damage to, defects, delay, mis-delivery or non-delivery of the Reward/Discount. 

  • Prudential reserves the right to deal with any unclaimed Reward/Discount in any manner it deems fit. Prudential reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customer’s claim to the Reward/Discount at the time of Reward/Discount collection. Prudential is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point of time. 

  • The Promotion is not valid in conjunction with other promotions carried out by Prudential.

  • The Reward/Discount is not exchangeable for cash, credit or any other items of equivalent value.  The validity period of the Reward/Discount is non-extendable.  Prudential will be under no obligation to replace or pay to Eligible Customers the value of any Rewards/Discount that are not utilised by the Eligible Customers before the end of the validity period of Reward/Discount as may be stipulated by Prudential and/or relevant merchants.

  • By participating in this Promotion, each Eligible Customer agrees and consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of any and all personal data of the Eligible Customer by/to Prudential, advertising and promotional agencies of the Promotion and such other third party, in Prudential’s absolute discretion, consider appropriate or necessary in connection with the Promotion and redemption of Reward/Discount.

  • If an Eligible Customer provides Prudential with personal data of any third party, that Eligible Customer hereby:
    1. Agrees on behalf of that third party to be bound by the terms and conditions contained herein; and 
    2. Consents on behalf of that third party, to Prudential’s collection, use, disclosure and processing of his/her personal data in accordance with the terms and conditions contained herein. 

      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. 

  • Prudential shall not be liable for any third party’s misuse of the Eligible Customer’s submitted information and photograph as a result of the Eligible Customer taking part in the Promotion. 

  • Unless prohibited by law, participation in the Promotion constitutes permission for Prudential, its advertising and promotional agencies to use any of the Eligible Customer’s names, and/or likeness for advertising and promotional purposes.  Each Eligible Customer further agrees and acknowledges that the copyright and all other intellectual property rights in and to all photographs or audio-video or other recordings of the Eligible Customer taken or made in connection with the Promotion shall vest solely and absolutely in Prudential without any compensation to the Eligible Customer.

  • Prudential may at any time at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person, (i) suspend, cancel or terminate the Promotion, or (ii) delete, vary, supplement, amend, modify any one or more of the terms and conditions of the Promotion.   Prudential’s determination of all matters in connection with the Promotion and the Reward/Discount shall be final, binding and conclusive.   Prudential is not obliged to give any reason or prior notice on any matter concerning the Promotion or the Reward/Discount.  No appeal, correspondence or claims will be entertained.  Prudential has the right and discretion to determine whether a party has met the requirements of the Promotion and/or to receive the Reward/Discount.  Eligible Customers and/or shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.

  • By participating in the Promotion, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold Prudential, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by Prudential’s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and client or otherwise on a full indemnity basis whether or not incurred in respect  of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Promotion, acceptance or usage of any Reward/Discount, and/or any breach or purported breach of these terms and conditions and/or any applicable law. 

  • Prudential makes no warranty or representation as to the quality, merchantability or fitness for purpose of the merchants’ goods and services in respect of the Reward/Discount.  Any dispute about the same must be resolved directly with the merchant.  Merchant terms and conditions apply.

  • In the event of any inconsistency or discrepancy between the terms and conditions contained herein and the contents of any brochure, marketing and/or promotional materials relating to the Promotion, the terms and conditions contained herein shall prevail. 

  • Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Reward/Discount, are the property of their respective owners.   Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.  

  • Failure by Prudential to exercise any of its right or remedy under the terms and conditions contained herein does not constitute a waiver of that right or remedy.  

  • The terms and conditions contained herein shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore. 

  • A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Right of Third Parties) Act (Cap 53B) to enforce any of these terms and conditions.


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.

Important Notes

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( or or

Information is correct as at 19 January 2021.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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