PRUlink enhanced protector

Investment Linked

PRUlife

Whole Life

PRUlife limited pay

Whole Life

PRUfirst gift

PRUmum2Be:

  • Term

PRUlink enhanced protector:

  • Investment Linked
DIRECT - PRUprotect life

Whole Life

PRUlife multiplier flex

Whole Life

PRUlink enhanced protector

Regular Premium

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:

  • Regular Premium, Whole of Life
DIRECT - PRUprotect life

Regular Premium:

  • To 70 Age Next Birthday or 85 Age Next Birthday

Total & Permanent Disability:

  • Up to 65 Age Next Birthday
PRUlife multiplier flex

10, 15, 20 or 25 years

PRUlink enhanced protector

Death and Terminal Illness:

Whole of life

Total & Permanent Disability:

Up to 70 Age Next Birthday

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:

  • Whole of Life
DIRECT - PRUprotect life

Death & Terminal Illness:

  • Whole Life

Total & Permanent Disability:

  • Up to 65 Age Next Birthday
PRUlife multiplier flex

Death, Terminal Illness & Critical Illness:

  • Whole of Life


Total & Permanent Disability2:

  • Up to age 70
PRUlink enhanced protector

1 to 60 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)

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
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

Minimum Annual Premium:

  • $1,200 without Early Crisis Cover Provider
  • $1,800 with Early Crisis Cover Provider
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 protector3 $100,000 $200,000 $300,000
 Premium payable
PRUmum2be
(Single premium)
$320^ $320^ $320^
PRUlink enhanced protector3
(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.
DIRECT - PRUprotect life

Minimum Sum Assured:

  • $50,000

Maximum Sum Assured:

  • $200,000
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

Not Applicable

PRUlife

Not Applicable

PRUlife limited pay

Not Applicable

PRUfirst gift

Not Applicable

DIRECT - PRUprotect life

Not Applicable

PRUlife multiplier flex

Not Applicable

PRUlink enhanced protector

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

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 protector3 - Coverage for the child:

  • 30 days & below, 20% of the sum assured for Death as shown on the Certificate of Life Assurance + the value of all the units in your Account, less any outstanding amounts owing to us.
  • Above 30 days, 100% sum assured for Death as shown on the Certificate of Life Assurance + the value of all the units in your Account, less any outstanding amounts owing to us.
DIRECT - PRUprotect life

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

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

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.
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 protector3:

  • Below 1 Age Next Birthday:
    • 20% of the Enhanced Protector Benefit based on the life assured’s age at the date of diagnosis of Disability, calculated on the latest sum assured for Total and Permanent Disability
  • 1 to 69 Age Next Birthday:
    • The Death Benefit for PRUlink enhanced protector is accelerated for sum assured up to S$2,000,000, 6 months after the confirmed onset of Disability.
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.

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

Not Applicable

PRUlife

Not Applicable

PRUlife limited pay

Not Applicable

PRUfirst gift

Not Applicable

DIRECT - PRUprotect life

Not Applicable

PRUlife multiplier flex

Not Applicable

PRUlink enhanced protector

Not Applicable

PRUlife

Not Applicable

PRUlife limited pay

Not Applicable

PRUfirst gift

PRUlink enhanced protector3:

  • Crisis Cover Provider III will be attached to child's policy upon birth of child.
DIRECT - PRUprotect life

Not Applicable

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

Not Applicable

PRUlife

Not Applicable

PRUlife limited pay

Not Applicable

PRUfirst gift

Not Applicable

DIRECT - PRUprotect life

Not Applicable

PRUlife multiplier flex

Not Applicable

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