PRUApex Legacy IndexPRUApex MultiGen WealthPRUVantage Legacy IndexPRULife Vantage Achiever Prime SeriesPRULifetime Income Plus
Payment termSingle or Multipay1
Premium of 10 years		Single or Regular Premium term of 5, 10 or 15 yearsSingle or Multipay1
Premium of 5 or 10 years		One-time or regular payments across 3 to 30 years64 or 10 years
CurrencyUSDUSDUSDSGD or USDSGD
Legacy growthGrowth potential linked to S&P 500 returns, subject to a cap rate of 9.0%2

Steady growth on Fixed Account with a First Year Crediting Rate of 4.2% p.a. and Guaranteed Minimum Crediting Rate of 2.0% p.a.3

Loyalty crediting rate of 0.35% p.a. on Fixed Account from year 11 onwards		No maturity date. Wealth continues to grow across generations

Build cash value with potential bonuses from the participating fund

Premiums secured early: as early as Year 7 (Single premium) or Year 13 (regular premium)10		Growth potential linked to the uncapped returns of your chosen index5 for Index Account

Steady growth on Fixed Account with a First Year Crediting Rate of 4.2% p.a. and Guaranteed Minimum Crediting Rate of 2.0% p.a.3

Loyalty crediting rate of 0.35% p.a. on Fixed Account from year 11 onwards		Accumulation of non-guaranteed bonuses over the yearsAccumulation of monthly income for an annual interest9
Death coverageYesYesYesYes, higher coverage with Multiplier Benefit7 for death and terminal illness until age 85 or 100Yes4
Terminal Illness coverageYesYesYesYes, higher coverage with Multiplier Benefit7 for death and terminal illness until age 85 or 100No
Flexibility to change the life assuredYesYesYesYes, once for individual-owned policy and unlimited times for corporate owned policy8Yes, change life assured to a loved one for legacy planning, or an employee for a corporate-owned policy
Policy termWhole of lifeWhole of lifeWhole of lifeWhole of lifeWhole of life
Premium waiverNoOptional, with Crisis Waiver (USD) or Payer Security (USD)NoOptional, with Crisis Waiver IIIOptional, with Crisis Waiver III, Early Stage Crisis Waiver or Payer Security Plus

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I understand that if I am an European Union (“EU”) resident individual (i.e. my residential address is based in any of the EU countries), I can refer to Prudential Privacy Notice (which is available at https://www.prudential.com.sg/en/privacy-notice) for more information on the rights available to me under the GDPR.

By submitting this form, I confirm that I have read, understood and given my


Or give us a call: 1800 333 0333

Please refer to the Product Summary and Policy Document for details of the terms and conditions.

1Subject to Least Premium Required and Maximum Advance Premium.

2A Guaranteed Minimum Cap Rate of 3.0% applies. Cap Rate and Guaranteed Minimum Cap Rate (for future new monies only) may change at Prudential's discretion.

3Guaranteed crediting rate for future new monies may be changed at Prudential's discretion.

4Death Benefit will be the higher of:
(a) 101% of total premiums paid (excludes premiums paid for supplementary benefits (if any)); or
(b) 101% of the surrender value as at the time of death, plus any cash benefit left with us, less any amounts you owe us.

If death is due to an accident, the Accidental Death Benefit will be the higher of:
(a) 105% of total premiums paid (excluding premiums paid for supplementary benefits (if any)); or
(b) 101% of the surrender value as at the time of death, plus any cash benefit left with us, less any amounts you owe us.

5Subject to prevailing participation rates.

6Regular premium payment of 3 to 30 years apply to USD denominated policies. For SGD denominated policies, only a premium paying term of 5 years is applicable.

7On death or terminal illness of the life assured
(a) before Multiplier Benefit expiry age 85 or 100, we pay the higher of:
     (i) The sum assured for death plus all non-guaranteed bonuses; or
     (ii) The Multiplier Benefit, less any amounts owing to us.
(b) after Multiplier Benefit expiry age 85 or 100, we pay the sum assured for death plus all non-guaranteed bonuses, less any amounts owing to us.
(c) Multiplier Benefit expiry age 100 option is not applicable to PRULife Vantage Achiever Prime (USD) and PRULife Vantage Achiever Prime II (SGD) Regular Premium.

8Change of life assured is only allowed after two years from policy start date for single premium policy and after premium paying term for regular premium policy.

9The interest rate is not guaranteed and is subject to change.

10This guarantee is valid provided there have been no policy alterations, such as partial surrenders, since inception. For Regular Premium term policy, the capital guaranteed year will vary based on the premium term duration; longer premium term durations will result in a later capital guarantee year. Capital guarantee after the 13th policy year applies only to a 5-year premium term duration.