Highlights

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Unique Enhanced Protector payout of 150%3,4 coverage without additional premium

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Guaranteed coverage5

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Option to reduce6 coverage in later years

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Well-diversified portfolio to suit different investment objectives and risk appetites

Product Details

Product Type

Investment Linked

Payment Term

Regular Premium

Policy Term

Death and Terminal Illness:

Whole of life

Total & Permanent Disability:

Up to 70 Age Next Birthday

Issuance Age

1 to 60 Age Next Birthday

Limits

Minimum Annual Premium:

  • $1,200 without Early Crisis Cover Provider
  • $1,800 with Early Crisis Cover Provider
Maturity Benefit

Not Applicable

Death Benefit

The higher of,

  • Enhanced Protector Benefit1 ;or
  • Sum Assured plus Protection Account Value2

Plus Investment Account Value2

The Enhanced Protector Benefit is 150% of sum assured for death, before age 70

Total & Permanent Disability Benefit

Below 1 Age Next Birthday:

  • 20% of the Enhanced Protector Benefit1 based on the life assured’s age at the date of diagnosis of Disability and calculated on the latest sum assured for Total and Permanent Disability, less any outstanding amounts owning to us. Plus the Investment Account Value2.

1 to 69 Age Next Birthday:

  • The Death Benefit is accelerated for sum assured up to S$2,000,000, 6 months after the confirmed onset of Disability.
Cash Benefit

Not Applicable

Critical Illness Benefit

Not Applicable

Accidental Death Benefit

Not Applicable

Enhance Your Coverage

Crisis Cover Provider III, Early Crisis Cover Provider

Footnotes:

  1. The Enhanced Protector Benefit pays 150% of the sum assured for death, Total and Permanent Disability or Terminal Illness if the life assured is below 70 years old when he dies, is terminally ill or is totally and permanently disabled.
  2. Within the PruLink Enhanced Protector policy, there are two accounts - the Protection Account and the Investment Account.
    Regular premiums and increase in regular premiums (if any) will be invested in the "Protection Account".
    Additional one-off premium called the Enhanced Accumulator Option (Lump Sum) or EAO (Lump Sum) for short, will be invested in the
    "Investment Account".
    The administration and assurance charges will be deducted from the Protection Account. If there are insufficient units in the Protection
    Account, then we will deduct the charges from the Investment Account (if any).
  3. Increase in sum assured without underwriting upon the occurrence of a life event is only applicable for policies purchased at standard rates. It must be exercised within 3 months from the date of the life event and not be more than $150,000, or 25% of the original sum assured, or the maximum sum assured of the policy; whichever is lower. It can only be done if:
  • The life assured is under 50 years old; and
  • Have paid all the premiums due under the policy; and
  • The life assured has not made any claims on any policies that he has with us and received the benefits.
  1. For EAO (Lump Sum), there is a net sales charge of 3% of your EAO (Lump Sum) premium.
  2. The policyholder can opt to reduce the sum assured for death, Total and Permanent Disability and Terminal Illness to zero after:
  • The life assured has reached age 55; or
  • 10 years from the Cover Start Date of the policy; or
  • 10 years from the last increase in regular premium,

whichever is later.

 

Note:

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.

Investment products are subject to investment risks including the possible loss of the principal amount invested. The value of the units and the income accruing to the units (if any) may fall or rise.

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 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 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 this brochure, the English version shall prevail.

Information is correct as at 22 March 2017.

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