PRUflexicash protection plus

We understand you want to enhance your protection while enjoying yearly Cash Benefit

Step closer to achieving your savings goals while being financially ready for whatever life has to offer. PRUflexicash protection plus offers up to 4 times of protection coverage while you save for your future.


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After 2nd policy anniversary


Death, Terminal Illness2 & Disability2


Lump sum payment of up to 4 times the sum assured3


Without the medical underwriting5 within 4 years from first premium due date

Product Details

Product Type


Payment Term

Regular Premium:

  • 15 or 25 years
Policy Term

15 or 25 years

Issuance Age

Policy Term 15:

  • 1 to 60 Age Next Birthday

Policy Term 25:

  • 1 to 50 Age Next Birthday

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • $250,000, where life assured is 1-15 Age Next Birthday at entry

Minimum Annual Premium:

  • $600
Maturity Benefit

Remaining Cash Benefit plus accumulated interest (if any) plus bonuses6 (if any), less any outstanding amounts owing to us.

Death Benefit

400% of sum assured plus bonuses6 (if any), less any amounts owing to us

Total & Permanent Disability Benefit

400% of sum assured plus bonuses6 (if any), less any amounts owing to us

Total & Permanent Disability & Terminal Illness:

  • Up to 65 Age Next Birthday
Cash Benefit

Yearly Cash Benefit of 5% of the sum assured from the 2nd policy anniversary.

Critical Illness Benefit

Not Applicable

Accidental Death Benefit

Not Applicable

Enhance Your Coverage

Early Stage Crisis Waiver, Crisis Waiver III , Early Payer Security,  Payer Security III / Payer Security Plus 

How PRUflexicash protection plus works:

Chris (male, non-smoker), age 25 next birthday, and who has just started working, is looking for a plan that can offer him cash liquidity and yet gives high protection coverage.

He bought a 25-year PRUflexicash protection plus policy with an annual premium of S$2,173.757 (approximately S$6 a day) for a sum assured of S$25,000. The table below illustrates how Chris can make use of his PRUflexicash protection plus and its Future Insurance Option benefit to enhance his coverage.

Chris enjoys the following benefits:

  • Protection cover for Death, Terminal Illness or Total and Permanent Disability of S$100,0003
  • Guaranteed Yearly Cash Benefit of S$1,2501 from his policy after the second policy anniversary till end of policy term
  • At maturity, Chris can expect to receive a lump sum of S$29,7448
  • Future Insurance Option5 to buy new plan4 within 4 years from first premium due date even if health changes.

At age 25 (age next birthday), he buys a PRUflexicash protection plus policy.

End of Policy Anniversary Annual Premium7 Sum Assured Guaranteed Death Benefit3 Projected Amount Receivable at End
of Each Policy Anniversary
Guaranteed Non-Guaranteed9 Total
2 $2,173.75 $25,000 $100,000 $1,250 $0 $1,250
3 $2,173.75 $25,000 $100,000 $1,427 $150 $1,577
4 $2,173.75 $25,000 $100,000 $1,587 $355 $1,942
(at maturity)
$2,173.75 $25,000 $100,000 $1,250 $28,494 $29,744


The figures are for illustration only. Insurance eligibility and premiums are subject to underwriting.

At age 28 (age next birthday), he decides to buy another policy to increase his total protection coverage and decides to use the Yearly Cash Benefit of S$1,250 to pay the first year premium due for the new policy. However, due to his work stress, he was diagnosed with hypertension 6 months ago. He decided to make use of the benefit of Future Insurance Option to buy a new PRUlink protection plus account of S$100,0005 sum assured. Within 3 years, Chris’ total coverage has increased from S$100,000 to S$200,0005 when he used his Yearly Cash Benefit to fund the premium of the new policy.


  1. Yearly Cash Benefit is a payout of 5% of PRUflexicash protection plus sum assured after the second policy anniversary.
  2. Policy provides coverage against Terminal Illness and Total and Permanent Disability during the term of the policy, and before the anniversary of the policy on which the Life Assured will attain the age of 65. We will pay for either Terminal Illness or Total and Permanent Disability but not both.
  3. Guaranteed Death Benefit is 4 times the sum assured of PRUflexicash protection plus.
  4. Excluding PRUflexicash protection plus policy or any other policy with a Future Insurance Option.
  5. Life Assured can exercise Future Insurance Option (FIO) once per PRUflexicash protection plus, up to 4 times the sum assured of PRUflexicash protection plus, up to maximum sum assured of S$200,000 per life assured.
  6. Bonuses, if any, are not guaranteed and will vary according to the future performance of the participating fund.
  7. Premiums quoted is based on annual basis for a non-smoker male, age 25 next birthday with a sum assured of $25,000 (rounded to the nearest dollar) payable for a 25-year policy term.
  8. Lump sum maturity amount refers to both Guaranteed and Non-Guaranteed amount based on investment returns projected at 4.75% per annum for the participating fund.
  9. The non-guaranteed amount is based on projected investment returns of 4.75% per annum for the participating fund.



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.

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 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 on this website is intended to be valid in Singapore 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-brochure, the English version shall prevail.

Information is correct as at 22 March 2017.

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