PRUlink enhanced protector II

Investment Linked

PRUtriple protect

Term

PRUmortgage refund

Term

PRUvital cover

Term

PRUeasy term

Term

PRUlady

Critical Illness

PRUman

Critical Illness

PRUpersonal accident

Accident plan

PRUTerm Vantage

Term

PRUlife

Whole Life

PRUlife limited pay

Whole Life

PRUfirst gift

PRUmum2Be:

  • Term

PRUlink enhanced protector II3:

  • Investment Linked
PRUterm ascend

Term

PRUmortgage

Term

PRUmortgage refund premier

Term

PRUmultiple crisis cover (main plan)

Critical Illness

PRUearly stage crisis cover

Critical Illness

DIRECT - PRUprotect life

Whole Life

DIRECT - PRUprotect term

Term

DIRECT - PRUprotect term 5

Term

PRUlife multiplier flex

Whole Life

PRUlink enhanced protector II

Regular Premium

PRUtriple protect

Minimum : 10 Years

Maximum : 75 – Age at entry

PRUmortgage refund

Regular Premium

Premium Term is 3 years less than the Policy Term

PRUvital cover

Regular Premium

Minimum 10 years and

up to 80 Age Next Birthday

PRUeasy term

Regular Premium

PRUlady

Regular premium
Before the policy anniversary preceding 65 or 75 years old

PRUman

Regular premium

Before the policy anniversary preceding 65 or 75 years old

PRUpersonal accident

Regular Premium: 10 to 74 years or up to 75 Age Next Birthday, whichever is earlier

PRUTerm Vantage

Regular Premium

10 to 79 years

PRUlife

Up to 85 Age Next Birthday

PRUlife limited pay

Limited Premium:

  • 10, 15 or 25 years
PRUfirst gift

PRUmum2Be:

  • Single Premium

PRUlink enhanced protector II3:

  • Regular Premium, Whole of Life
PRUterm ascend

Regular Premium:

  • 10 to 57 years
PRUmortgage

Regular Premium:

Premium Term is 3 years less than the Policy Term

PRUmortgage refund premier

Single Premium

PRUmultiple crisis cover (main plan)

Regular Premium:

  • 20 to 98 years
PRUearly stage crisis cover

Regular Premium:

  • 10 to (85 Age Next Birthday less Age at Entry) years
DIRECT - PRUprotect life

Regular Premium:

  • To 70 Age Next Birthday or 85 Age Next Birthday

Total & Permanent Disability:

  • Up to 65 Age Next Birthday
DIRECT - PRUprotect term

Regular Premium:

  • 20 years or to age 653
DIRECT - PRUprotect term 5

5-year Renewable

PRUlife multiplier flex

10, 15, 20 or 25 years

PRUlink enhanced protector II

Death and Terminal Illness:

Whole of life

Total & Permanent Disability:

Up to 70 Age Next Birthday

PRUtriple protect
PRUmortgage refund

10 to 351 years or up to 75 Age Next Birthday, whichever is lower

PRUvital cover

Minimum 10 years and

up to 80 Age Next Birthday

PRUeasy term

10 years

PRUlady

Before the policy anniversary preceding 65 or 75 years old

PRUman

Before the policy anniversary preceding 65 or 75 years old

PRUpersonal accident

Min: 10 years

Max: 10 to 74 years or up to 75 Age Next Birthday, whichever is earlier

PRUTerm Vantage

10 to 79 years or

Up to 100 Age Next Birthday, whichever earlier

PRUlife

Whole of Life

Total & Permanent Disability & Terminal Illness:

  • Up to age 65 Age Next Birthday
PRUlife limited pay

Whole of Life Death Coverage

Total & Permanent Disability & Terminal Illness:

  • Up to 65 Age Next Birthday
PRUfirst gift

PRUmum2Be:

  • 3 years

PRUlink enhanced protector II3:

  • Whole of Life
PRUterm ascend

10 years, or up to 55, 60, 70 and 75

Total & Permanent Disability & Terminal Illness:

  • Up to 65 Age Next Birthday
PRUmortgage

10 to 35 years or up to 75 Age Next Birthday less Age Next Birthday at entry, whichever is lower

PRUmortgage refund premier

10 to 352 years or up to 80 Age Next Birthday , whichever is lower

Total & Permanent Disability:

  • Up to 65 Age Next Birthday
PRUmultiple crisis cover (main plan)

20 to 98 years:

  • Up to 99 Age Next Birthday
PRUearly stage crisis cover

Minimum:

  • 10 years

Maximum:

  • (85 Age Next Birthday minus Age at Entry) years
DIRECT - PRUprotect life

Death & Terminal Illness:

  • Whole Life

Total & Permanent Disability:

  • Up to 65 Age Next Birthday
DIRECT - PRUprotect term

Death & Terminal Illness:

  • 20 years term: 20 years
  • Up to age 65: 5 - 46 years

Total & Permanent Disability:

  • 20 years term: 20 years or up to 65 Age Next Birthday, whichever earlier
  • Up to age 65: up to 65 Age Next Birthday
DIRECT - PRUprotect term 5

Death & Terminal Illness:

  • 5 years

Total & Permanent Disability:

  • 5 years
PRUlife multiplier flex

Death, Terminal Illness & Critical Illness:

  • Whole of Life


Total & Permanent Disability2:

  • Up to age 70
PRUlink enhanced protector II

1 to 60 Age Next Birthday

PRUtriple protect

1 – 65 Age Next Birthday

PRUmortgage refund

20 to 60 Age Next Birthday

PRUvital cover

30 to 65 Age Next Birthday

PRUeasy term

18 to 54 Age Next Birthday

PRUlady

17 to 55 Age Next Birthday

PRUman

17 to 55 Age Next Birthday

PRUpersonal accident

1 to 65 Age Next Birthday

PRUTerm Vantage

21 to 75 Age Next Birthday

PRUlife

1 to 75 Age Next Birthday

PRUlife limited pay

10 Years Limited Pay: 1 to 70 Age Next Birthday

15 Years Limited Pay: 1 to 65 Age Next Birthday

25 Years Limited Pay: 1 to 55 Age Next Birthday

PRUfirst gift

For mother: 19 Age Next Birthday (Between 18 to 32 weeks of pregnancy) to 45 Age Next Birthday (Between 18 to 32 weeks of pregnancy)

PRUterm ascend

10 Year Term

  • Death:
    • 18 to 75 Age Next Birthday
  • Total & Permanent Disability & Terminal Illness:
    • 18 to 60 Age Next Birthday

Term to Age 55

  • Death, Total & Permanent Disability & Terminal Illness:
    • 18 to 45 Age Next Birthday

Term to Age 60

  • Death, Total & Permanent Disability & Terminal Illness:
    • 18 to 50 Age Next Birthday

Term to Age 70

  • Death, Total & Permanent Disability & Terminal Illness:
    • 18 to 60 Age Next Birthday

Term to Age 75

  • Death:
    • 18 to 65 Age Next Birthday
  • Total & Permanent Disability & Terminal Illness:
    • 18 to 60 Age Next Birthday
PRUmortgage

20 to 60 Age Next Birthday

PRUmortgage refund premier

Death & Terminal Illness:

  • 20 to 70 Age Next Birthday

Total & Permanent Disability4.

  • 20 to 64 Age Next Birthday
PRUmultiple crisis cover (main plan)

1 (30 days from birth) to 65 Age Next Birthday

PRUearly stage crisis cover

1 (30 days from birth) to 65 Age Next Birthday

DIRECT - PRUprotect life

Premium Term Age 70:

  • 19 to 60 Age Next Birthday

Premium Term Age 85:

  • DIRECT-PruProtect Life & Terminal Illness:
    • 19 to 65 Age Next Birthday
  • Total & Permanent Disability:
    • 19 to 64 Age Next Birthday
DIRECT - PRUprotect term

20 year term:

  • 19 to 65 Age Next Birthday

Up to age 65:

  • 19 to 60 Age Next Birthday 
DIRECT - PRUprotect term 5

19 to 65 Age Next Birthday

PRUlife multiplier flex

10, 15, 20 year premium payment term:

  • 1 to 60 Age Next Birthday

25 year premium payment term:

  • 1 to 55 Age Next Birthday
PRUlink enhanced protector II

Minimum Annual Premium:

  • $1,200 without Early Crisis Cover Provider
  • $1,800 with Early Crisis Cover Provider
PRUtriple protect

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • $3,000,000
PRUmortgage refund

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • Amount of Housing Loan
PRUvital cover

Minimum Sum Assured

$50,000

Maximum Sum Assured

$500,000

PRUeasy term

Plan A: $100,000 Sum Assured

Plan B: $300,000 Sum Assured

Plan C: $500,000 Sum Assured

PRUlady

Plan A+: $25,000 sum assured

Plan B+: $50,000 sum assured

Plan C+: $75,000 sum assured

Plan D+: $100,000 sum assured

 

+ The sum assured applies to Female Illnesses Benefit, Medical Procedures Benefit and Reconstructive Surgery or Skin Grafting Benefit

PRUman

Plan A: $25,000 Sum Assured

Plan B: $50,000 Sum Assured

Plan C: $75,000 Sum Assured

Plan D: $100,000 Sum Assured

PRUpersonal accident

Minimum Sum Assured:

$100,000 (Plan A)

Maximum Sum Assured:

  • 1-16 Age Next Birthday: $500,000 (Plan C)
  • Above 17 Age Next Birthday:
    • Non-Income Earners - $500,000 (Plan C)
    • Working Adults - $1,000,000 (Plan F)
PRUTerm Vantage

Minimum Sum Assured

$500,000

Maximum Sum Assured

Subject to underwriting

PRUlife

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • $300,000 when entry at 1 Age Next Birthday to 15 Age Next Birthday

Minimum Annual Premium:

  • $400
PRUlife limited pay

Maximum Sum Assured:

  • For Life Assured, Age Next Birthday 1 - 15: $1 million
  • For Life Assured, Age Next Birthday 16 and above: subjected to underwriting

Minimum Sum Assured:

  • $10,000

Minimum Annual Premium:

  • 10 years: $1,000
  • 15 years: $800
  • 25 years: $600
PRUfirst gift
Bundle type PRUfirst gift 1 PRUfirst gift 2 PRUfirst gift 3
 Sum Assured
PRUmum2be $5,000 $5,000 $5,000
PRUlink enhanced protector II3 $150,000 $300,000 $450,000
Crisis Cover Provider III (for child) $150,000 $200,000 $250,000
 Premium payable
PRUmum2be
(Single premium)
$320^ $320^ $320^
PRUlink enhanced protector II3
(Monthly Premium8)
$100+ $200+ $300+
+ Premiums can be paid quarterly, half-yearly or annually.
^ Premium listed is based on a female non-smoker, age 30 on her next birthday.
PRUterm ascend

Minimum Sum Assured:

  • $30,000

Maximum Sum Assured:

  • $83,333,000

Minimum Annual Premium:

  • $300
PRUmortgage

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • Amount of Housing Loan
PRUmortgage refund premier

Minimum Sum Assured:

  • $100,000

Maximum Sum Assured:

  • Amount of Housing Loan
PRUmultiple crisis cover (main plan)

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • Juveniles (1 - 16 Age Next Birthday): $285,500
  • Adults (17 Age Next Birthday and above): $2,057,000

Minimum Premium:

  • 1 – 16 Age Next Birthday: $180
  • 17 Age Next Birthday and above: $240
PRUearly stage crisis cover

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • $250,000

Minimum Annual Premium:

  • 1 to 16 Age Next Birthday: $180
  • 17 Age Next Birthday & Above: $240
DIRECT - PRUprotect life

Minimum Sum Assured:

  • $50,000

Maximum Sum Assured:

  • $200,000
DIRECT - PRUprotect term

Minimum Sum Assured:

  • $50,000

Maximum Sum Assured:

  • $400,000
DIRECT - PRUprotect term 5

Minimum Sum Assured:

  • $50,000

Maximum Sum Assured:

  • $400,000
PRUlife multiplier flex

Minimum Sum Assured:

  • $10,000

Maximum Multiplier Benefit:

  • $1,000,000 for entry age between 1 Age Next Birthday to 16 Age Next Birthday

Minimum Annual Premium:

  • $800
PRUlink enhanced protector II

Not Applicable

PRUtriple protect

Not Applicable

PRUmortgage refund

Not Applicable

PRUvital cover

Not Applicable

PRUeasy term

Not Applicable

PRUlady

Not Applicable

PRUman

Not Applicable

PRUpersonal accident

Not Applicable

PRUTerm Vantage

Not Applicable

PRUlife

Not Applicable

PRUlife limited pay

Not Applicable

PRUfirst gift

Not Applicable

PRUterm ascend

Not Applicable

PRUmortgage

Not Applicable

PRUmortgage refund premier

Not Applicable

PRUmultiple crisis cover (main plan)

Not Applicable

PRUearly stage crisis cover

Not Applicable

DIRECT - PRUprotect life

Not Applicable

DIRECT - PRUprotect term

Not Applicable

DIRECT - PRUprotect term 5

Not Applicable

PRUlife multiplier flex

Not Applicable

PRUlink enhanced protector II
PRUtriple protect

100% Sum Assured minus total claims

PRUmortgage refund

The higher of,

  1. The scheduled sum assured; or
  2. The total premium paid; as at the date of death.
    whichever is higher, less any amounts owing to us in connection with the policy.
PRUvital cover

Higher of:

  1. Sum Assured; or
  2. the Total Premium Paid on base plan
PRUeasy term

100% of sum assured

PRUlady

Not Applicable

PRUman

Not Applicable

PRUpersonal accident

Not Applicable

PRUTerm Vantage

100% of sum assured

PRUlife

100% sum assured + bonuses3 (inclusive of both reversionary and performance bonuses) will be payable in lump sum

PRUlife limited pay

100% sum assured + bonuses3 (inclusive of both reversionary and performance bonuses) will be payable in lump sum

PRUfirst gift

PRUmum2Be:

  • Sum assured of S$5,000 (For expectant mother).

PRUlink enhanced protector II3 - Coverage for the child:

    Before 30 days old,
  • 20% of the sum assured,  less any outstanding amounts owing to us, plus the Investment Account Value.
  • After 30 days old,
  • The sum assured, less any outstanding amounts owing to us, plus the Investment Account Value. 
PRUterm ascend

The Sum assured increases by 5% annually from the 2nd to 11th policy year, we pay the applicable incremental sum assured in a lump sum, provided that Terminal Illness (PRUTerm Ascend) Benefit has not been claimed.

PRUmortgage

Scheduled sum assured (which reduces annually at policy anniversaries) will be paid in one lump sum

PRUmortgage refund premier

The higher of,

  1. The scheduled sum assured; or
  2. the total premium paid; as at the date of death.
PRUmultiple crisis cover (main plan)

Sum assured of $3,000

PRUearly stage crisis cover

Sum assured of $3,000

DIRECT - PRUprotect life

100% of sum assured for death shown on the Certificate of Life Assurance + all bonuses5, less any amounts owing to us.

DIRECT - PRUprotect term

100% of sum assured shown on the Certificate of Life Assurance in a lump sum

DIRECT - PRUprotect term 5

100% sum assured shown on the Certificate of Life Assurance in a lump sum

PRUlife multiplier flex

Before the Multiplier Benefit expiry age, the Death Benefit is the:
Higher of

  1. the sum assured and non-guaranteed bonuses; or
  2. the Multiplier Benefit

less any amounts owing to us.

From the Multiplier Benefit expiry age and above, the Death Benefit is the sum assured and non-guaranteed bonuses, less any amounts owing to us.

PRUlink enhanced protector II

Below 1 Age Next Birthday:

  • 20% of the sum assured, less any outstanding amounts owing to us. Plus the Investment Account Value1.

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.
PRUtriple protect
PRUmortgage refund

Rider Available

PRUvital cover

Rider Available

PRUeasy term

Not Applicable

PRUlady

Not Applicable

PRUman

Not Applicable

PRUpersonal accident

Not Applicable

PRUTerm Vantage

Rider Available

PRUlife

Before 1 Age Next Birthday:

  • 20% of sum assured, in one lump sum.
  • No Total & Permanent Disability cover will be granted for lives below 28 days of age.

Before 65 Age Next Birthday:

  • 100% sum assured plus bonuses3, up to S$2,000,000, will be paid in one lump sum after the confirmed onset of disability
PRUlife limited pay

Before 65 Age Next Birthday:

  • 100% sum assured plus proportionate bonuses3, up to S$2,000,000, will be paid in one lump sum after the confirmed onset of disability.

Before 1 Age Next Birthday:

  • 20% of sum assured, in one lump sum.
  • No Total & Permanent Disability cover will be granted for lives below 28 days of age.
PRUfirst gift

PRUlink enhanced protector II3:

  • Below 1 Age Next Birthday:
    • 20% of the  sum assured.

  • 1 to 69 Age Next Birthday:
    • The Death Benefit for PRUlink enhanced protector II3 is accelerated for sum assured up to S$2,000,000, 6 months after the confirmed onset of Disability.
PRUterm ascend

Not Applicable

PRUmortgage

Rider Available

PRUmortgage refund premier

Before 65 Age Next Birthday, the higher of,

  1. The scheduled sum assured of Disability Benefit; or
  2. The total premium paid (in proportion of Disability Benefit;

as at the date of Disability, less any outstanding amounts owing to us.

PRUmultiple crisis cover (main plan)

Not Applicable

PRUearly stage crisis cover

Not Applicable

DIRECT - PRUprotect life

Before policy anniversary prior to the life assured attaining age 65, 100% of sum assured for Accelerated Disability Benefit + all bonuses5, less any amounts owing to us, in a lump sum up to S$2,000,000.

DIRECT - PRUprotect term

100% of sum assured for Accelerated Disability Benefit2, in a lump sum up to S$2,000,000.

DIRECT - PRUprotect term 5

100% of sum assured for Accelerated Disability Benefit2, in a lump sum up to S$2,000,000.

PRUlife multiplier flex

Before the Multiplier Benefit expiry age, the Death Benefit is the:
Higher of

  1. the sum assured and non-guaranteed bonuses; or
  2. the Multiplier Benefit

less any amounts owing to us.

From the Multiplier Benefit expiry age and above, the Death Benefit is the sum assured and non-guaranteed bonuses, less any amounts owing to us.

PRUlink enhanced protector II
PRUtriple protect
PRUmortgage refund

Not Applicable

PRUvital cover

Not Applicable

PRUeasy term

Not Applicable

PRUlady

Not Applicable

PRUman

Not Applicable

PRUpersonal accident

Not Applicable

PRUTerm Vantage

Not Applicable

PRUlife

Not Applicable

PRUlife limited pay

Not Applicable

PRUfirst gift

Not Applicable

PRUterm ascend

Not Applicable

PRUmortgage

Not Applicable

PRUmortgage refund premier

Not Applicable

PRUmultiple crisis cover (main plan)

Not Applicable

PRUearly stage crisis cover

Not Applicable

DIRECT - PRUprotect life

Not Applicable

DIRECT - PRUprotect term

Not Applicable

DIRECT - PRUprotect term 5

Not Applicable

PRUlife multiplier flex

Not Applicable

PRUlink enhanced protector II
PRUtriple protect

100% Sum Assured, up to 300% Sum Assured

PRUmortgage refund

Not Applicable

PRUvital cover

Rider Available

PRUeasy term

Not Applicable

PRUlady

A percentage of the sum assured in one lump sum upon the diagnosis of any of the listed female illnesses 

PRUman

A percentage of the sum assured in one lump sum upon the diagnosis of any of the listed male illnesses

PRUpersonal accident

Not Applicable

PRUTerm Vantage

Not Applicable

PRUlife

Not Applicable

PRUlife limited pay

Not Applicable

PRUfirst gift

PRUlink enhanced protector II3:

  • Crisis Cover Provider III will be attached to child's policy upon birth of child.
PRUterm ascend

Rider Available

PRUmortgage

Not Applicable

PRUmortgage refund premier

Not Applicable

PRUmultiple crisis cover (main plan)

Below 1 Age Next Birthday:

  • 20% of sum assured.

Above 1 Age Next Birthday and survives 30 days from the date of diagnosis:

  • 100% of sum assured; & future premium will be waived.
PRUearly stage crisis cover

Below 1 Age Next Birthday:

  • 20% of the PruEarly Stage Crisis Cover policy sum assured;
  • or 20% of the remaining 50% of the PruEarly Stage Crisis Cover policy sum assured if the policyholder has made a successful claim under the 50% Severity Payout benefit4.

Above 1 Age Next Birthday:

  • 100% of the PruEarly Stage Crisis Cover policy sum assured;
  • or 50% of the PruEarly Stage Crisis Cover policy sum assured if the policyholder has made a successful claim under the 50% Severity Payout benefit4.
DIRECT - PRUprotect life

Not Applicable

DIRECT - PRUprotect term

Not Applicable

DIRECT - PRUprotect term 5

Supplementary benefits available

PRUlife multiplier flex

Before the Multiplier Benefit expiry age, the Critical Illness Benefit is the:
Higher of

  1. the sum assured and non-guaranteed bonuses; or
  2. the Multiplier Benefit

less any amounts owing to us.

From the Multiplier Benefit expiry age and above, the Critical Illness Benefit is the sum assured and non-guaranteed bonuses, less any amounts owing to us.

PRUlink enhanced protector II
PRUtriple protect
PRUmortgage refund
PRUvital cover

Not Applicable

PRUeasy term

Not Applicable

PRUlady

Not Applicable

PRUman

Not Applicable

PRUpersonal accident

Accidental Death & Dismemberment: Up to 150% of Sum Assured + Step Up Sum Assured

3 times payout – Public transport* accidents (Examples of public transport are MRT, buses, taxis, airplanes, ferries.)

2 times payout – Private transport* and pedestrian accidents, building fires and accidents during school-time** (Building fires refer to fire at home, in a theatre, hotel, public auditorium, school, hospital (including community hospitals) or shopping mall provided the life assured was present within the premises at the start of the fire.)

PRUTerm Vantage

Not Applicable

PRUlife

Not Applicable

PRUlife limited pay

Not Applicable

PRUfirst gift

Not Applicable

PRUterm ascend

Not Applicable

PRUmortgage

Not Applicable

PRUmortgage refund premier

Not Applicable

PRUmultiple crisis cover (main plan)

Not Applicable

PRUearly stage crisis cover

Not Applicable

DIRECT - PRUprotect life

Not Applicable

DIRECT - PRUprotect term

Not Applicable

DIRECT - PRUprotect term 5

Not Applicable

PRUlife multiplier flex

Not Applicable

Other Categories

Savings - Prudential Insurance Singapore

Savings

Our saving plans are made to help you achieve your financial goals.

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Investment - Prudential Insurance Singapore

Investment

Our investment solutions are designed to help you grow your wealth.

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Medical - Prudential Insurance Singapore

Medical

Our plans cover you and your loved ones for your medical needs.

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PRUVantage - Prudential Insurance

PRUVantage

PRUVantage is a suite of wealth management solutions, that seeks to safeguard and grow your wealth for the future.

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