PRUgolden retirement reward II

4 years

PRUgolden retirement premier

Single Premium

  • Cash or Supplementary Retirement Scheme "SRS" funds7
PRUlifetime income premier (USD)

Single Premium

PRUwealth (SGD)

Limited Premium

  • 5, 10 or 20 years
PRUflexicash

Regular Premium:

  • 15, 20 or 25 years
PRUsave limited pay

Limited Premium: 5, 10 or 15 years

PRUgolden retirement
  • 5 years premium payment term; or
  • Regular premium payment term up to 5 years before selected age of 60 or 65 years old
PRUlifetime income

Limited Premium:

  • 4, 10 or 20 years
PRUadvance saver

Payable by customer:

  • 7 years
  • Remaining 5 years are payable by Automatic Premium Benefit3
PRUsave max 10

Payable by customer:

  • 5 years
  • Remaining 5 years are payable by Automatic Premium Benefit1
PRUsave

Regular Premium:

  • 10 to 45 years
PRUflexicash protection plus

Regular Premium:

  • 15 or 25 years
PRUflexi rewards

Regular Premium:

  • 15 or 25 years
PRUsave max limited pay (USD)

Limited Premium:

  • 5, 10 or 15 years
PRUwealth (USD)

Regular Premium:

  • 5 or 10 years
PRUlifetime income premier (SGD)

Single Premium

PRUfirst education

Limited Premium:

  • 5, 10 or 15 years
PRUcash secure

Limited Premium:

  • 5 years
PRUgolden retirement reward II
PRUgolden retirement premier

Varies based on choices of Retirement Age and Monthly Income Period:

  • Up to 90 Age Next Birthday
PRUlifetime income premier (USD)

Whole of Life

Accidental Disability:

  • Up to 70 Age Next Birthday
PRUwealth (SGD)

Up to 100 Age Next Birthday3

PRUflexicash

15, 20 or 25 years

PRUsave limited pay

5 years:

  • 10 or 15 years

10 years:

  • 15 or 20 years

15 years:

  • 20 or 25 years
PRUgolden retirement

Varies based on choices of contribution term. Up to 85 Age Next Birthday

PRUlifetime income

Whole of Life

Accidental Disability:

  • Up to 65 Age Next Birthday
PRUadvance saver

12 years

PRUsave max 10

10 years

PRUsave

10 to 45 years

Death:

  • Up to 80 Age Next Birthday

Total & Permanent Disability & Terminal Illness:

  • Up to 65 Age Next Birthday
PRUflexicash protection plus

15 or 25 years

PRUflexi rewards
  1. 15 or 25 years
  2. Total & Permanent Disability & Terminal Illness: Up to 65 Age Next Birthday
PRUsave max limited pay (USD)

5-Pay:

  • 10 or 15 years

10-Pay:

  • 15 or 20 years

15-Pay:

  • 20 or 25 years
PRUwealth (USD)

Up to 100 Age Next Birthday

PRUlifetime income premier (SGD)

Whole of Life

Accidental Disability:

  • Up to 65 Age Next Birthday
PRUfirst education

Varies based on choices of contribution term.

  • 13 to 242 years
PRUcash secure

15 years

PRUgolden retirement reward II

PRUgolden retirement reward II @ 60 : 19 to 51 age next birthday

PRUgolden retirement reward II @ 65 : 19 to 56 age next birthday

PRUgolden retirement premier

Cash & SRS

PRUgolden retirement premier @ 55 : 19 to 51 Age Next Birthday

PRUgolden retirement premier @ 60 : 19 to 56 Age Next Birthday

PRUgolden retirement premier @ 65 : 19 to 61 Age Next Birthday

PRUgolden retirement premier @ 70 : 19 to 66 Age Next Birthday

PRUlifetime income premier (USD)

1 to 70 Age Next Birthday

Accidental Disability:

  • 1 to 64 Age Next Birthday
PRUwealth (SGD)

5-pay:

  • 1 to 75 Age Next Birthday

10-pay:

  • 1 to 70 Age Next Birthday

20-pay:

  • 1 to 60 Age Next Birthday
PRUflexicash

15 years:

  • 1 to 60 Age Next Birthday

20 years:

  • 1 to 55 Age Next Birthday

25 years:

  • 1 to 50 Age Next Birthday
PRUsave limited pay

1 to 65 Age Next Birthday

PRUgolden retirement

PRUgolden retirement @ 60 (5-pay): 19 to 50 Age Next Birthday

PRUgolden retirement @60 (Regular Premium): 19 to 49 Age Next Birthday

PRUgolden retirement @ 65 (5-pay): 19 to 55 Age Next Birthday

PRUgolden retirement @ 65 (Regular Premium): 19 to 54 Age Next Birthday

PRUlifetime income

4-year premium term:

  • 1 to 70 Age Next Birthday

10-year premium term:

  • 1 to 70 Age Next Birthday

20-year premium term:

  • 1 to 60 Age Next Birthday
PRUadvance saver

1 to 65 Age Next Birthday

PRUsave max 10

1 to 65 Age Next Birthday

PRUsave

1 to 70 Age Next Birthday

PRUflexicash protection plus

Policy Term 15:

  • 1 to 60 Age Next Birthday

Policy Term 25:

  • 1 to 50 Age Next Birthday
PRUflexi rewards

Policy Term 15:

  • 1 to 60 Age Next Birthday

Policy Term 25:

  • 1 to 50 Age Next Birthday
PRUsave max limited pay (USD)

1 to 65 Age Next Birthday

PRUwealth (USD)

5-pay:

  • 1 to 75 Age Next Birthday

10-pay:

  • 1 to 70 Age Next Birthday
PRUlifetime income premier (SGD)

1 to 70 Age Next Birthday

Accidental Disability:

  • 1 to 64 Age Next Birthday
PRUfirst education

5-Pay:

  • 1 to 12 Age Next Birthday

10-Pay:

  • 1 to 10 Age Next Birthday

15-Pay:

  • 1 to 5 Age Next Birthday
PRUcash secure

1 to 60 Age Next Birthday

PRUgolden retirement reward II

Minimum Guaranteed Monthly Income:

$200

Minimum Annual Premium:

$6,000

Maximum Disability Monthly Income2:

$6,250 per month

PRUgolden retirement premier

Minimum Guaranteed Monthly Income:

$200

Minimum Single Premium:

SRS: $20,000

Cash: $50,000

Maximum Disability Monthly Income2:

$6,250 per month

PRUlifetime income premier (USD)

Minimum Single Premium:

  • US$250,000
PRUwealth (SGD)

Minimum Face Value:

  • $10,000

Minimum Annual Premium:

  • $2,400
PRUflexicash

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • $1,000,000, where the life assured is 1 to 16 Age Next Birthday at entry

Minimum Annual Premium:

  • $600
PRUsave limited pay

Minimum Sum Assured:

$20,000

Maximum Sum Assured:

$1,000,000, where the life assured is 1 to 15 Age Next Birthday at entry

Minimum Annual Premium:

  • 5 years: $3,600
  • 10 years: $2,400
  • 15 years: $2,400
PRUgolden retirement

Minimum Guaranteed Monthly Income:

$200

Maximum Disability Monthly Income:

$6,250

Minimum Annual Premium:

  • 5-pay: $6,000
  • Regular Premium $3,600
PRUlifetime income

Minimum Face Value3:

  • 4-year premium term: $47,000
  • 10-year & 20-year premium term: $25,000

Minimum Annual Premium:

  • 4-year premium term: $12,000
  • 10-year & 20-year premium term: $2,400
PRUadvance saver

Minimum Sum Assured:

  • $30,000

Maximum Sum Assured:

  • $450,000

Minimum Annual Premium:

  • $6000
PRUsave max 10

Minimum Face Value3:

  • $22,500

Minimum Annual Premium:

  • $5,000
PRUsave

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • $1,000,000, where the life assured is 1 to 16 Age Next Birthday at entry

Minimum Annual Premium:

  • $600
PRUflexicash protection plus

Minimum Sum Assured:

  • $10,000

Maximum Sum Assured:

  • $250,000, where life assured is 1-15 Age Next Birthday at entry

Minimum Annual Premium:

  • $600
PRUflexi rewards

Minimum Guaranteed Yearly Cash Benefit:

  • $500

Maximum Guaranteed Yearly Cash Benefit:

  • $50,000 where life assured is 1-16 Age Next Birthday at entry.

Minimum Annual Premium:

  • $800
PRUsave max limited pay (USD)

Minimum Annual Premium:

  • 5-Pay: US$2,400
  • 10-Pay: US$1,600
  • 15-Pay: US$1,600
PRUwealth (USD)

Minimum Face Value:

  • US$10,000

Minimum Annual Premium:

  • US$18,000
PRUlifetime income premier (SGD)

Minimum Single Premium:

  • $100,000
PRUfirst education

Minimum Sum Assured:

  • $20,000

Maximum Sum Assured:

  • $1,000,000
PRUcash secure

Minimum Face Value4:

  • $15,000

Minimum Annual Premium:

  • $5,000
PRUgolden retirement reward II

On the maturity date of the policy, we pay a lump sum amount of guaranteed benefit, bonuses, and any accumulated guaranteed monthly income with interest, less any amounts owing to us.

PRUgolden retirement premier

On the maturity date of the policy, we pay one instalment of Monthly Income1; any accumulated Monthly Income with interest; and Maturity Bonus, less any amounts owning to us.

PRUlifetime income premier (USD)

Not Applicable

PRUwealth (SGD)

Face Value6 plus bonuses (inclusive of Reversionary and Performance Bonuses), less any policy loan (including interest), Automatic Premium Loan (including interest), S&N loan and all other outstanding amounts owning to us in connection with the policy and expenses (including but not limited to administrative, sales related and medical expenses) incurred by us on the policy.

PRUflexicash

Last Yearly Cash Benefit instalment plus all bonuses4 (if any), less any amounts owing to us.

PRUsave limited pay

Sum assured plus all the bonuses4 (if any), less any amounts owing to us

PRUgolden retirement

On the maturity date of the policy, we pay the last monthly income instalment plus Maturity Bonus9, less any amounts owning to us. Any accumulated Monthly Income will also be paid upon maturity

PRUlifetime income

Not Applicable

PRUadvance saver

Sum Assured of the Death Benefit plus all the bonuses4 (if any), less any amounts owing to us

PRUsave max 10

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

PRUsave

100% sum assured plus all bonuses3 (if any), less any amounts owing to us.

PRUflexicash protection plus

Remaining Cash Benefit plus accumulated interest (if any) plus bonuses6 (if any), less any outstanding amounts owing to us.

PRUflexi rewards

Remaining Cash Benefit plus accumulated interest (if any) + bonuses4 (if any), less any outstanding amounts owing to us.

PRUsave max limited pay (USD)

Face Value2 + bonuses3 (if any). less any amounts owing to us

PRUwealth (USD)

Face Value6 plus bonuses (if any). less any amounts owing to us

PRUlifetime income premier (SGD)

Not Applicable

PRUfirst education

50% of sum assured plus all bonuses5 (if any) and accumulated guaranteed Cash Benefit1 (if any), less any amounts owing to us, in one lump sum.

PRUcash secure

Pays of percentage of the Face Value4 plus all bonuses5 (if any), less any amounts owing to us.

PRUgolden retirement reward II

During the Accumulation Period

The death benefit will be the higher of:

  1. 105% of the total premium paid2 at the time of death; or
  2. 101% of the surrender value at the time of death.

 

During the Monthly Income Period

The death benefit will be the higher of:

  1. 105% of the total premiums paid2 less all Guaranteed Monthly Income that have been paid at the time of death; or
  2. 101% of the surrender value at the time of death,

plus any Guaranteed Monthly Income left with us.

PRUgolden retirement premier

During the Accumulation Period

The Death Benefit will be the higher of:

  1. 105% of the Single Premium paid; or
  2. 101% of the surrender value at the time of death.


During the Monthly Income Period

The Death Benefit will be the higher of:

  1. 105% of the Single Premium paid, less all Guaranteed Monthly Income that have been paid at the time of death, or
  2. 101% of the surrender value at the time of death,

plus any accumulated Monthly Income1 & interest earned (if any).

PRUlifetime income premier (USD)

Upon Death of the Life Assured, we pay the higher of:

  1. 105% of Single Premium; or
  2. 101% of the surrender value as at the time of death;

plus any accumulated Cash Benefit , less any amounts owing to us.

PRUwealth (SGD)

The higher of:

  1. 105% of the total premiums paid (excluding premiums 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

PRUflexicash

100% sum assured plus all bonuses4 (if any) less any amounts owing to us

PRUsave limited pay

100% sum assured plus all the bonuses4 (if any) less any amounts owing to us

PRUgolden retirement

During the Accumulation Period

The Death Benefit will be the higher of:

  1. 105% of the total premium paid at the time of death (excluding premiums for supplementary benefits [if any]); or
  2. 101% of the surrender value at the time of death.

During the Monthly Income Period

The Death Benefit will be the higher of:

  1. 105% of the Total Premium paid (excluding premiums for supplementary benefits [if any]), less all Guaranteed Monthly Income that have been paid at the time of death, or
  2. 101% of the surrender value at the time of death.

plus any accumulated Monthly Income & interest earned (if any)

PRUlifetime income

Upon Death of the Life Assured, we pay the higher of:

  1. 105% of total premiums paid to date (excluding premiums for supplementary benefits (if any)) as at the time of death; or
  2. 101% of the surrender value as at the time of death

plus any accumulated Cash Benefit , less any amounts owing to us.

PRUadvance saver

100% sum assured of the Death Benefit plus all bonuses4 (if any), less any amounts owing to us.

PRUsave max 10

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

PRUsave

100% sum assured plus all bonuses3 (if any), less any amounts owing to us.

PRUflexicash protection plus

400% of sum assured plus bonuses6 (if any), less any amounts owing to us

PRUflexi rewards

110% of Total Premiums Paid (excluding premiums for supplementary benefit (if any)), plus accumulated Cash Benefit (if any), less any amounts owing to us

PRUsave max limited pay (USD)

The Death Benefit will be the higher of:

  • 105% of the total premium paid (excluding premiums for supplementary benefit (if any)), or
  • 101% of the Surrender Value

less any amounts owing to us

PRUwealth (USD)

The higher of:

  1. 105% of the total premiums paid (excluding premiums 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

PRUlifetime income premier (SGD)

Upon Death of the Life Assured, we pay the higher of:

  1. 105% of Single Premium; or
  2. 101% of the surrender value as at the time of death;

plus any accumulated Cash Benefit , less any amounts owing to us.

PRUfirst education

100% sum assured plus all bonuses5 (if any), plus any accumulated Cash Benefit1 (if any) less any amounts owing to us in one lump sum.

PRUcash secure

The Death Benefit will be the higher of:

  1. 105% of the total premiums paid (excluding premiums for supplementary benefits (if any)); or
  2. 101% of the surrender value

Plus any accumulated Yearly Cash Benefit less any amounts owing to us.

PRUgolden retirement reward II
PRUgolden retirement premier

Accidental Disability

If the life assured becomes "Totally and Permanently Disabled" because of an Accident3 before age 70, we will pay a stream of monthly income ("Disability Monthly Income2") equal to the Guaranteed Monthly Income until the maturity of the policy or upon of the death of the life assured, whichever is earlier.

PRUlifetime income premier (USD)

Accidental Disability

If the life assured becomes Disabled because of an Accident before age 70, we pay the higher of:

  1. 105% of Single Premium; or
  2. 101% of the surrender value as at the date the life assured was certified to be Disabled due to an Accident;

plus any accumulated Cash Benefit, less any amounts owing to us.

PRUwealth (SGD)

Not Applicable

PRUflexicash

100% sum assured plus all bonuses4 (if any) less any amounts owing to us

PRUsave limited pay

100% sum assured plus all the bonuses4 (if any) less any amounts owing to us

PRUgolden retirement

Accidental Disability

If the life assured becomes "Totally and Permanently Disabled" because of an Accident before age 70, we will:

  1. pay a stream of monthly income ("Disability Monthly Income2") equal to the Guaranteed Monthly Income until the maturity of the policy or upon of the death of the life assured, whichever is earlier; and
  2. waive3 any future premium due for the policy.
PRUlifetime income

Accidental Disability

If the life assured becomes Totally and Permanently Disabled because of an Accident before age 65, we pay the higher of:

  1. 105% of the total premiums paid (excluding premiums for supplementary benefits (if any)) as at the date the life assured was certified to be Disabled due to an Accident; or
  2. 101% of the surrender value as at the date the life assured was certified to be Disabled due to an Accident

plus any accumulated Cash Benefit, less any amounts owing to us.

PRUadvance saver

Not Applicable

PRUsave max 10

Not Applicable

PRUsave

100% sum assured plus all bonuses3 (if any), less any amounts owing to us.

PRUflexicash protection plus

400% of sum assured plus bonuses6 (if any), less any amounts owing to us

Total & Permanent Disability & Terminal Illness:

  • Up to 65 Age Next Birthday
PRUflexi rewards

110% of Total Premiums Paid (excluding premiums for supplementary benefit (if any)), plus accumulated Cash Benefit (if any), less any amounts owing to us

PRUsave max limited pay (USD)

Not Applicable

PRUwealth (USD)

Not Applicable

PRUlifetime income premier (SGD)

Accidental Disability

If the life assured becomes Disabled because of an Accident before age 65, we pay the higher of:

  1. 105% of Single Premium; or
  2. 101% of the surrender value as at the date the life assured was certified to be Disabled due to an Accident;

plus any accumulated Cash Benefit, less any amounts owing to us.

PRUfirst education

Below 1 Age attained at last birthday:

  • 20% of the sum assured in a lump sum and the policy terminates.
  • No Disability cover will be granted to lives younger than 28 days of age.

1 to 24 age attained at last birthday:

  • 100% of the sum assured plus bonus5 (if any), in one lump sum
PRUcash secure

Not Applicable

PRUgolden retirement reward II
PRUgolden retirement premier

Known as Monthly Income Benefit

Once your Monthly Income Period begins, we will pay you on a monthly basis:

  • Guaranteed Monthly Income; and
  • Non-guaranteed Monthly Income.

Monthly Income1 is payable for 10, 15 or 20 years

PRUlifetime income premier (USD)

The Yearly Cash Benefit1 is made up of guaranteed and non-guaranteed portion. It is a percentage of the Single Premium.

PRUwealth (SGD)

Not Applicable

PRUflexicash

5% of sum assured every year after 2nd policy anniversary to 1 year before maturity

Choose to receive, accumulate or defer the Yearly Cash Benefit

PRUsave limited pay

Not Applicable

PRUgolden retirement

Known as Monthly Income Benefit1.

  • Monthly Income consists of a guaranteed and a non-guaranteed portion
  • The Monthly Income starts from the Policy Anniversary immediately before the life assured attains his selected retirement age of 60 or 65 years old. The last Monthly Income instalment will be paid on the maturity date.
  • Monthly Income is payable for 10, 15 or 20 years
PRUlifetime income

The yearly Cash Benefitis made up of a guaranteed and non-guaranteed portion. It is a percentage of the Face Valuedepending on your premium payment term.

PRUadvance saver

Not Applicable

PRUsave max 10

Not Applicable

PRUsave

Not Applicable

PRUflexicash protection plus

Yearly Cash Benefit of 5% of the sum assured from the 2nd policy anniversary.

PRUflexi rewards

Yearly guaranteed Cash Benefit of 5% of the sum assured from the 2nd policy anniversary.

PRUsave max limited pay (USD)

Not Applicable

PRUwealth (USD)

Not Applicable

PRUlifetime income premier (SGD)

The Yearly Cash Benefit1 is made up of guaranteed and non-guaranteed portion. It is a percentage of the Single Premium.

PRUfirst education

The guaranteed Cash Benefit1 is a payout of 25% of the sum assured paid after the 2nd last Policy Anniversary and the last Policy Anniversary before the policy matures. Customers have the option to leave the cash benefit with us, to enjoy annual interest6 on the accumulated guaranteed Cash Benefit1 .

PRUcash secure

5%2 of Face Value4

PRUgolden retirement reward II

Not applicable

PRUgolden retirement premier

Not Applicable

PRUlifetime income premier (USD)

Not Applicable

PRUwealth (SGD)

Not Applicable

PRUflexicash

Not Applicable

PRUsave limited pay

Not Applicable

PRUgolden retirement

Not Applicable

PRUlifetime income

Not Applicable

PRUadvance saver

Not Applicable

PRUsave max 10

Not Applicable

PRUsave

Not Applicable

PRUflexicash protection plus

Not Applicable

PRUflexi rewards

Not Applicable

PRUsave max limited pay (USD)

Not Applicable

PRUwealth (USD)

Not Applicable

PRUlifetime income premier (SGD)

Not Applicable

PRUfirst education

Not Applicable

PRUcash secure

Not Applicable

PRUgolden retirement reward II

Not applicable

PRUgolden retirement premier

Not Applicable

PRUlifetime income premier (USD)

Not Applicable

PRUwealth (SGD)

Not Applicable

PRUflexicash

Not Applicable

PRUsave limited pay

Not Applicable

PRUgolden retirement

Not Applicable

PRUlifetime income

Not Applicable

PRUadvance saver

Not Applicable

PRUsave max 10

Not Applicable

PRUsave

Not Applicable

PRUflexicash protection plus

Not Applicable

PRUflexi rewards

Not Applicable

PRUsave max limited pay (USD)

Not Applicable

PRUwealth (USD)

Not Applicable

PRUlifetime income premier (SGD)

Not Applicable

PRUfirst education

Not Applicable

PRUcash secure

Not Applicable

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