PRUgolden retirement reward II

4 years

PRUgolden retirement premier

Single Premium

  • Cash or Supplementary Retirement Scheme "SRS" funds7
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
PRUgolden retirement reward II
PRUgolden retirement premier

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

  • Up to 90 Age Next Birthday
PRUgolden retirement

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

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

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

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

PRUgolden retirement

Minimum Guaranteed Monthly Income:

$200

Maximum Disability Monthly Income:

$6,250

Minimum Annual Premium:

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

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

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).

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)

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.

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.
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

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

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