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Protection

PRUActive Term

A unique protection plan which lets you take charge of your changing needs.

What makes PRUActive Term unique?

Life’s too short to make compromises on your lifestyle. The same holds true when it comes to protecting the ones you love. But as your needs change over time, a regular term plan just won’t do.

PRUActive Term gives you the flexibility of increasing your basic coverage amount annually to keep up with your changing lifestyle. It even provides you the option to pay your premiums in a shorter period, giving you and your family one less thing to worry about.

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Key Benefits

Add these extras to enhance your coverage

We strive to make a difference to your life by providing you with the suitable financial insurance plans.

Footnotes

1The PRUActive Term plan has a minimum sum assured of S$500,000 against death, terminal illness and total and permanent disability.

The minimum and maximum entry age for PRUActive Term is age 21 and 75 next birthday respectively.

2
PRUActive Term provides coverage against death, terminal illness and total and permanent disability during the policy term. The life assured can only claim either death, terminal illness or total and permanent disability and not all. The total and permanent disability benefit ends on the policy anniversary before the life assured attains age 70.

3
Based on age at next birthday.

4
Incremental Sum Assured benefit is only applicable to the Death Benefit and starts from the 2nd Policy Year onwards. The sum assured for Death Benefit will automatically increase every year at the rate that was chosen. The premium will also increase annually with each Incremental Sum Assured based on the attained age of the Life Assured.

5
Subject to a minimum sum assured of S$500,000 per application and at least 12 months after the policy cover start date or any reduction of sum assured (if any), with a minimum of six years.

6
Please refer to the policy documents for the exact terms and conditions and specific details applicable to this benefit.

7
Special Benefit is only payable it the coverage has not been terminated or fully claimed.

8
Upon approval of a claim under the 50% Severity Payout benefit, all future premium payments for the Early Stage Crisis Cover Benefit will be waived from the next premium due date following the date of diagnosis of the medical condition. Coverage will continue until the benefit terminates.

9
After the end of the Early Stage Premium Waiver Period, premium payment for the covered benefits will resume, but the premiums for the Early Stage Crisis Waiver will continue to be waived.

10
The second claim will waive the premium for another 5 years. This is provided the second claim is not for the same Medical Condition as the first claim, and it does not fall within the same category of the first Early Stage Medical Condition.

11If there was a successful claim under Early Stage Medical Conditions, the Intermediate Stage Medical Conditions Benefit only waives 5 years of future premiums.

12After the end of the Early Stage Premium waiver period, premium payment for the covered benefits will resume, but the premiums for the Early Stage Crisis Waiver will continue to be waived.

Additional 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 this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.

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.

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 in 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.

In case of discrepancy between the English and Mandarin versions of the e-brochures, the English version shall prevail.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policies 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 22 Aug 2019.

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

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