PRUTerm Vantage

PRUTerm Vantage, yet another offering from the PRUVantage Portfolio, has been created especially for people at the pinnacle of achievement – it provides high-value yet flexible coverage that matches both your status as well as your needs.


Term Life Insurance - Minimum Sum Assured

Minimum sum assured for death and Terminal Illness

Term Life Insurance - Choice of Coverage

Choice of coverage till 100 years of age next birthday

Term Life Insurance - Available to Other Residency

Available to other residency beside Singapore

Term Life Insurance - SGD to USD or USD to SGD

Choice of currency

Product Details

Product Type


Payment Term

Regular Premium

10 to 79 years

Policy Term

10 to 79 years or

Up to 100 Age Next Birthday, whichever earlier

Issuance Age

21 to 75 Age Next Birthday


Minimum Sum Assured


Maximum Sum Assured

Subject to underwriting

Maturity Benefit

Not Applicable

Death Benefit

100% of sum assured

Total & Permanent Disability Benefit

Rider Available

Cash Benefit

Not Applicable

Critical Illness Benefit

Not Applicable

Accidental Death Benefit

Not Applicable

Enhance Your Coverage

Available for SGD plan only: Crisis Care (PRUTerm Vantage)1, Early Stage Crisis Waiver,  Crisis Waiver III

Available for SGD and USD plan: Accelerated Disability2

How PRUTerm Vantage complements your existing insurance policies

The customer:
Mr. Lim, a Singapore resident, who’ll be 40 years old on his next birthday, has 3 young children and is the family’s sole breadwinner. He has already planned for his retirement (along with his wife) as well as his children’s education needs.

The need:
After looking at his financial plans, he realises there’s a huge shortfall in his own protection needs – and is interested in topping up his coverage for the next 25 years so that his family will be well looked after in the event of his premature Death, Terminal Illness, Critical Illness or Total and Permanent Disability.

The solution:
He signs up for PRUTerm Vantage for a premium of just S$3,3833 per year, which includes the optional Accelerated Disability and Crisis Care (PRUTerm Vantage) benefits3.

The reassurance:
Mr. Lim suffered from a Heart Attack at age 50 and received a lump sum payout of S$500,000. The PRUTerm Vantage sum assured reduces to S$500,000 after the payout. In the event of Mr. Lim’s Death, Terminal Illness or Total and Permanent Disability, his family will receive the balance S$500,000 in a lump sum, which will see them through difficult times.


  1. Optional Crisis Care (PRUTerm Vantage) is available for age next birthday 21 to 65 years, with a minimum sum assured of S$250,000.
  2. Optional Accelerated Disability Benefit provides coverage against 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.
  3. The premium is quoted based on a 25-year policy term for Singapore resident, non-smoking male, aged 40 next birthday. This premium is rounded down to the nearest dollar and includes the optional Accelerated Disability and Crisis Care (PRUTerm Vantage) benefits. The PRUTerm Vantage and Accelerated Disability Benefit sum assured is S$1,000,000 and the Crisis Care (PRUTerm Vantage) Benefit sum assured is S$500,000.



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. This plan has no cash value. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

Foreign currency policies (e.g USD) are subject to foreign exchange risk.

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. Premiums for some of the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.

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 the e-Brochures, the English version shall prevail.

Information is correct as at 5 September 2017.

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