PRUsave max 10

Save every precious moment as you would every dollar for that day you’d need it most.

In 10 years, you could reach another milestone – whether it’s your child’s education, a wedding, down payment for a home or a dream holiday.

PRUsave max 10 is the endowment plan that brings you closer to your savings goal. PRUsave max 10 helps you to save in a disciplined manner, providing you with potentially higher returns.

Work towards your 10 year savings goal, with PRUsave max 10.


English Brochure

Chinese Brochure



Automatically funds for the last 5 premium years1


No medical underwriting2

Product Details

Product Type


Payment Term

Payable by customer:

  • 5 years
  • Remaining 5 years are payable by Automatic Premium Benefit1
Policy Term

10 years

Issuance Age

1 to 65 Age Next Birthday


Minimum Face Value3:

  • $22,500

Minimum Annual Premium:

  • $5,000
Maturity Benefit

Face Value3 plus all the bonuses4 (if any), less any amounts owing to us

Death Benefit

The higher of:

  1. 105% of the total premiums paid (excluding premiums paid by the Automatic Premium Benefit1 and premiums paid for supplementary benefits [if any]) less any bonus surrendered^(if any); or
  2. 101% of the surrender value

less any amounts owing to us.

^this would be the amount paid out when the bonus was surrendered

Total & Permanent Disability Benefit

Not Applicable

Cash Benefit

Not Applicable

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

Enhance your savings with PRUsave max 10

5 years Annual
Face Value3 Payout at the end of 10 years Projected Yield at
Maturity (p.a.)#
Guaranteed Non-Guaranteed#5 Total#
$5,024 $25,121 $22,500 $22,500 $7,410 $29,910 2.20%
$9,914 $49,568 $45,000 $45,000 $14,819 $59,819 2.37%
$22,048 $110,242 $101,000 $101,000 $33,262 $134,262 2.49%


How PRUsave max 10 works:

Mr Tan (aged 35 on his next birthday, non-smoker) is planning for his future and wants to start saving for important milestones in life, such as sending his son for further education and buying a new car. He is able to set aside $5,024 per annum^ for the first 5 years with a Face Value3 of $22,500, while the Automatic Premium Benefit1 pays the premiums in the last 5 years. He will receive a maturity lump sum payout of $29,910# at the end of the 10th policy year.

The illustrated values use bonus rates assuming a projected investment rate of 4.75% p.a. As bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund.

^ Premiums are rounded off to the nearest dollar.


  1. The Automatic Premium Benefit will only take effect when the first 5 years’ premiums have been paid in full by the policyholder and will not be paid out to the policyholder.
  2. Medical check-ups or answering health-related questions may be required if an optional supplementary benefit is added; or if the total committed premiums for selected plans per life assured issued in the past 24 months exceeds S$5 million (or equivalent). Selected plans will be reviewed and determined by Prudential from time to time.
  3. The Face Value is not the sum assured of your policy. The Face Value is a notional value used to determine the Reversionary Bonuses (non-guaranteed), and the Maturity Benefit.
  4. Bonuses, if any, are not guaranteed and will vary according to the future performance of the participating fund.
  5. The non-guaranteed value includes Reversionary Bonus, Performance Bonus and Maturity Bonus.


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 some of 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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