Protect Today, Build Your Future

1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
   
   
2. “Promotion Period” means: 
   • the period between 1 October 2026 and 31 December 2026 (both dates inclusive) for PRUActive Term, PRUActive Protect II, PRUActive Life V, PRUVantage Assure II and PRUVantage Wealth III (SGD).
   • the period between 6 October 2026 and 31 December 2026 (both dates inclusive) for PRUActive Family Care.
     For the avoidance of doubt, the Early Bird Reward for PRUActive Family Care is only available during the period between 6 October 2026 and 31 October 2026 (both dates inclusive).
      
3. “Eligible Customer” means the policyholder whose proposal for any Eligible Insurance Plan is submitted to Prudential during the applicable Promotion Period, and whose policy start date falls within the same applicable Promotion Period, having satisfied the eligibility criteria below.
   For the Early Bird Reward, the Eligible Customer’s proposal for PRUActive Family Care must be submitted to Prudential between 6 October 2026 and 31 October 2026 (both dates inclusive), and the policy start date must fall within the same period.
   
   
4. “Eligible Insurance Plan” means any of the products meeting the criteria as stated in Promotion Table A, B and C below.
   
   
5. “Discount” means the percentage discount given to the Eligible Customer under this Promotion, being either the Perpetual Premium Discount stated in Promotion Table A or the First-Year Premium Discount stated in Promotion Table B, whichever is applicable.
   
   
6. “Early Bird Reward” means a complimentary Traditional Chinese Medicine (TCM) package for one (1) person, provided by Guo Tai TCM Rehab & Wellness Centre and stated in Promotion Table B below. The package comprises: 
   • One (1) 60-minute 95 Imperial Herbal Diaphoretic Therapy
   • One (1) TCM Physician Consultation
      
7. “Campaign Period” means the duration of Promotion Bonus Units allocation to the Eligible Insurance Plan in the Promotion Table C below. For this promotion, the Promotion Bonus Units will be allocated within the Campaign Period of one (1) year during the first policy year, as long as due premiums are paid.
   
   
8. “Promotion Bonus Units” means a percentage of the premium received for the base plan that will be utilised to purchase additional units to be added to the Growth and/or Flex Account (where applicable) of the Eligible Insurance Plan for the first policy year, as stated in the Promotion Table C. Promotion Bonus Units shall only be applicable to premium allocated to PRUPrime CIO Funds and/or PRULink StrategicInvest Income Fund, where such funds are available for selection at policy inception, as set out in the Promotion Table C. Premium allocated to other funds (“Other Funds”) under the Eligible Insurance Plan shall not qualify for Promotion Bonus Units.
   For the avoidance of doubt, “Promotion Bonus Units” shall bear the same meaning as described under Section 5 below.
   
   
9. “PRUPrime CIO Funds” means the investment funds under the PRUPrime CIO Fund Series offered under the Eligible Insurance Plan, namely the PRUPrime CIO Conservative Fund (Accumulation), PRUPrime CIO Balanced Fund (Accumulation), and PRUPrime CIO Growth Fund (Accumulation).
   
   
10. “PRULink StrategicInvest Income Fund” means the investment fund under the PRULink StrategicInvest Income Fund Series offered under the Eligible Insurance Plan, namely the PRULink StrategicInvest Income Fund (Distribution).
    
    
11. “Promotion Table” means the Promotion Table A, B and C below.
    
    Promotion Table A
    

    Eligible Insurance Plan	Perpetual Premium Discount1
    Protection
    PRUActive Term (Base plan only)	10%

    
    
    Promotion Table B
    

    Eligible Insurance Plans	Minimum Annualised Premium2 (SGD)	First-Year Premium Discount3,4	Early Bird Reward
    Protection
    PRUActive Protect II	No minimum premium requirement	15%	Not applicable
    PRUActive Life V*	3,000	5%	Not applicable
    PRUActive Family Care	3,000	15%	Complimentary TCM package for one (1)

    ^* Also applicable for purchase of PRUActive Life V bundled under PRUFirst Promise.

    
    
    Promotion Table C
    

    Eligible Insurance Plans	Premium Term	Minimum Annualised Premium5 (SGD)	Promotion Bonus Units6 (Expressed as a percentage of premiums received during the first policy year)
    			Exclusive to PRUPrime CIO Funds7	Exclusive to PRULink StrategicInvest Income Fund7
    Investments
    PRUVantage Assure II	5 years	20,000	2.00%	1.00%
    		40,000	3.50%	1.75%
    		100,000	5.50%	2.75%
    		150,000	10.00%	5.00%
    		300,000	15.00%	7.50%
    		500,000	20.00%	10.00%
    	10 years	8,000	6.00%	3.00%
    		15,000	8.50%	4.25%
    		25,000	12.00%	6.00%
    		150,000	25.00%	12.50%
    		200,000	35.00%	17.50%
    		300,000	45.00%	22.50%
    	15 years	5,000	10.00%	5.00%
    		10,000	15.00%	7.50%
    		15,000	25.00%	12.50%
    		150,000	30.00%	15.00%
    		200,000	40.00%	20.00%
    		300,000	50.00%	25.00%
    PRUVantage Wealth III (SGD)	3 years	75,000	2.00%	1.00%
    		100,000	4.00%	2.00%
    		150,000	6.00%	3.00%
    		300,000	9.00%	4.50%
    		500,000	12.00%	6.00%
    	5 years	48,000	4.00%	2.00%
    		60,000	7.00%	3.50%
    		150,000	10.00%	5.00%
    		300,000	15.00%	7.50%
    		500,000	20.00%	10.00%
    	10 years	36,000	15.00%	7.50%
    		50,000	18.00%	9.00%
    		150,000	25.00%	12.50%
    		200,000	35.00%	17.50%
    		300,000	45.00%	22.50%

    
    

To be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements in order to receive the Discount/ Early Bird Reward/ Promotion Bonus Units (as defined in Promotion Table A, B and C): 

1. The Eligible Customer’s proposal for an Eligible Insurance Plan is submitted to Prudential during the applicable Promotion Period, and whose policy start date falls within the same applicable Promotion Period.
   
   
2. This Promotion is valid for all premium payment modes (monthly, quarterly, half-yearly, and annually) as applicable to the Eligible Insurance Plan.
   
   
3. Ascend or Opus by Prudential customers and/or their family members will enjoy an additional 10% first-year premium discount for PRUActive Protect II, PRUActive Life V and PRUActive Family Care in Promotion Table B provided that the first-year premium of the Eligible Insurance Plan is paid on an annual basis. For the avoidance of doubt, Eligible Customers who are Ascend or Opus by Prudential customers (including eligible family members) will not be entitled to any additional premium discount for PRUActive Term.
   
   
4. The Discount/ Early Bird Reward/ Promotion Bonus Units shall not apply if the Eligible Insurance Plan is Not Taken Up and subsequently reopened, or is lapsed and subsequently reinstated.
   
   
5. If the Eligible Customer's proposal for any Eligible Insurance Plan fulfils the criteria of other promotions carried out by Prudential, the promotion with the higher value will be granted to the Eligible Customer (unless otherwise stated). 

3. Discount

1. An Eligible Customer is entitled to receive the Discount in accordance with Promotion Table A and B.
   
   
2. The First-Year Premium Discount for PRUActive Protect II, PRUActive Life V and PRUActive Family Care will be applied to the total premiums payable for the base plan and supplementary benefit(s), if any, including the additional premiums payable due to substandard loadings, for the first policy year only.
   
   
3. The Perpetual Premium Discount for PRUActive Term will be applied to the premium payable for the base plan, including any applicable substandard loading, up to the Last Premium Due Date. The Discount does not apply to premiums payable for any supplementary benefit(s) and/or any additional premium arising from an increase in Sum Assured, including the Incremental Sum Assured Benefit.
   
   
4. The Discount in this Promotion shall be on a ‘per-policy’ basis, subject to the Terms and Conditions of this Promotion.
   
   
5. The Discount under this Promotion will not apply if the Eligible Insurance Plan is cancelled within the fourteen (14) day free-look period. The premium amount refunded will be based on the premium amount paid by the Eligible Customer.
   
   
6. The Discount will be applied automatically at policy issuance upon meeting the eligibility criteria.

4. Early Bird Reward and Redemption

1. An Eligible Customer who qualifies for the Early Bird Reward in respect of PRUActive Family Care is entitled to receive the Early Bird Reward stated in Promotion Table B.
   
   
2. If the Eligible Insurance Plan is cancelled within the fourteen (14) day free-look period after the Early Bird Reward has been awarded or utilised, Prudential reserves the right, at its sole discretion, to recover from the Eligible Customer an amount equivalent to the retail value of the Early Bird Reward.  This may include reducing any premium amount refundable to the Eligible Customer.
   
   
3. Each Eligible Customer may receive one (1) Early Bird Reward for each Eligible Insurance Plan purchased for each Life Assured. If more than one policy of the same Eligible Insurance Plan is purchased for the same Life Assured, only one (1) Reward will be awarded.
   
   
4. The Eligible Customers who qualify for the Reward will receive one (1) complimentary Traditional Chinese Medicine (TCM) package by Guo Tai TCM Rehab & Wellness Centre for one (1) person stated in Promotion Table B. The package comprises:: 
   • One (1) 60-minute 95 Imperial Herbal Diaphoretic Therapy
   • One (1) TCM Physician Consultation
      
5. Prudential will issue a SMS or Email (“Redemption Notification”) to each Eligible Customer within three (3) months after the policy start date provided that the Eligible Customer’s Eligible Insurance Plan purchased during the Promotion Period is in force as at the date of the Redemption Notification. 
   
   
6. Eligible Customers shall be solely responsible for ensuring that they provide Prudential with a valid mobile phone number or email address for the purpose of redemption. The Eligible Customer agrees and accepts that Prudential will not be responsible for any consequences arising from his/her failure to provide Prudential with a true, complete, and accurate mobile phone number or email address and/or notify Prudential of any change(s) to his/her mobile phone number and email address. 
   
   
7. To redeem the awarded Early Bird Reward, Eligible Customers are required to login to their account with a valid email address to access PRURewards via Prudential corporate website. Details to set up the account for first-time users can be found in the Redemption Notification.
   
   
8. The Early Bird Reward is valid for one year from issuance. If an Eligible Customer fails to utilise his/her Early Bird Reward within the validity period as set out in PRURewards, his/her Early Bird Reward will be forfeited, and the Eligible Customer shall not have any claim against Prudential for such forfeiture. 
   
   
9. Further details of the redemption procedures will be set out in the Redemption Notification. 
   
   
10. The terms and conditions on PRURewards will be applicable during the Early Bird Reward redemption. 

5. Promotion Bonus Units Allocation

1. An Eligible Customer is entitled to receive the Promotion Bonus Units in accordance with Promotion Table C above.
   
   
2. The Promotion Bonus Units in this Promotion will not be applicable if:
   
   1. the Eligible Insurance Plan is cancelled within the fourteen (14) day free-look period;
   2. the Eligible Insurance Plan is surrendered or partially withdrawn during the Campaign Period;
   3. a death claim is made under the Eligible Insurance Plan due to pre-existing conditions within twelve (12) months from the cover start date; or
   4. premium payments are not maintained throughout the full premium term.
      
      
   In such cases, the Promotion Bonus Units shall be withheld and shall not be paid to the Eligible Customer.
   
   
3. The Promotion Bonus Units will be added to the Growth and/or Flex Account (where applicable) automatically at policy issuance and upon receipt of the first policy year premiums by Prudential. The allocation to the Growth and/or Flex Account (where applicable) will be in the same account allocation chosen by the Eligible Customer, subject to the eligibility criteria set out in Clause 5(d), where applicable.
   
   
4. Promotion Bonus Units shall only be applicable to premium allocated to PRUPrime CIO Funds and/or PRULink StrategicInvest Income Fund, provided that such funds are available for selection under the relevant Eligible Insurance Plan and Account at policy inception. For the purpose of this promotion, at policy inception, 
   
   1. PRUPrime CIO Funds are available for selection: 
      - under the Growth Account for 5-year, 10-year and 15-year premium terms for PRUVantage Assure II; and
      - under the Growth Account for 10-year premium term and the Flex Account for 3-year and 5-year premium terms for PRUVantage Wealth III (SGD).
      
   2. PRULink StrategicInvest Income Fund is available for selection:
      - under the Growth and Flex Account for 5-year, 10-year and 15-year premium terms for PRUVantage Assure II; and
      - under the Growth Account for 10-year premium term and the Flex Account for 3-year, 5-year and 10-year premium terms for PRUVantage Wealth III (SGD).
   Any subsequent fund switch from Other Funds to PRUPrime CIO Funds and/or PRULink StrategicInvest Income Fund shall not entitle the Eligible Customer to any Promotion Bonus Units.
   
   
5. Once credited, the Promotion Bonus Units under this Promotion will be added to the Growth and/or Flex Account, where applicable. Thereafter, the Promotion Bonus Units shall form part of the Eligible Insurance Plan and shall be subject to the terms and conditions of the policy contract issued in respect of such Eligible Insurance Plan, in addition to these Terms and Conditions.
   
   
6. The Promotion Bonus Unit value refers to the dollar value used to compute the Promotion Bonus Units. It is expressed as a percentage of the premium received by Prudential for the base plan in the first policy year, excluding any premiums paid for supplementary benefits or top-ups via the Investment Booster (Lump Sum), if applicable, rounded to two decimal points.
   
   
7. The Promotion Bonus Unit value is used to compute the number of Promotion Bonus Units based on the fund selection(s) / premium direction and the next working day’s fund unit price(s) (T + 1) from the policy inception date (T). 
   
   
8. If there is a subsequent request for fund switch or premium re-direction, the Promotion Bonus Units will be computed based on the next working day’s fund unit price (T + 1) following the fund switch (T) or upon receipt of premium following premium re-direction (T).
   
   
9. Where a fund switch from PRUPrime CIO Funds and/or PRULink StrategicInvest Income Fund to Other Funds is made on or before Day 180 from policy inception, a clawback penalty may apply. The clawback penalty will be based on the dollar value of the Promotion Bonus Units already awarded to the Eligible Customer and will be deducted from the fund switch amount before the balance is used to carry out the fund switch. Promotion Bonus Units not yet awarded shall not be subject to any clawback.
   
   
10. Prudential shall not be liable to give effect to any clawback where operational, administrative or system limitations prevent such clawback from being implemented, and the absence or delay of any such clawback shall not constitute a waiver of Prudential’s rights under these Terms and Conditions.
    
    
11. Prudential’s determination as to whether any clawback applies, the value of any Promotion Bonus Units subject to clawback, and the extent of any such clawback, shall be final and binding on the Eligible Customer.
    
    
12. The Promotion Bonus Units shall be on a ‘per-policy’ basis subject to the Terms and Conditions of this Promotion.
    
    
13. Eligible Customers will be notified via the Statement of Account on the successful crediting of the Promotion Bonus Units to their fund holdings.
    
    
14. Please refer to the detailed Terms and Conditions of the Promotion Bonus Units available on https://www.prudential.com.sg/TnCs/promobonusunits
     

1. By participating in the Promotion, each Eligible Customer is deemed to have accepted and agreed to be bound by these Terms and Conditions contained herein and any other instructions, terms and conditions that Prudential may issue from time to time.
   
   
2. Prudential assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, garbled or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the Promotion.
   
   
3. Prudential has the sole and absolute discretion to exclude any Eligible Customer from participating in the Promotion without any obligation to furnish notice and/or reason.
   
   
4. Prudential reserves the right to disqualify or disregard any Eligible Customer who does not comply with the Terms and Conditions
   
   
5. Prudential may at its discretion forfeit the Discount/ Early Bird Reward/ Promotion Bonus Units, or, if already awarded, reclaim the Discount/ Early Bird Reward/ Promotion Bonus Units at the expense of the Eligible Customer without payment, compensation, or having to give any reason whatsoever in the event Prudential subsequently discovers that the Eligible Customer is not eligible to participate in the Promotion and/or to receive the Discount/ Early Bird Reward/ Promotion Bonus Units.
   
   
6. Rewards are subject to availability while stocks last. Prudential reserves the right to replace any the Discount/ Early Bird Reward/ Promotion Bonus Units with items of similar value at any time without prior notice
   
   
7. Prudential shall not be liable for any loss of, damage to, defects, delay, mis-delivery or non-delivery of the reward. 
   
   
8. Prudential reserves the right to deal with any unclaimed Discount/ Early Bird Reward/ Promotion Bonus Units in any manner it deems fit. Prudential reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customer’s claim to the Discount/ Early Bird Reward/ Promotion Bonus Units. Prudential is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point of time. 
   
   
9. The Discount/ Early Bird Reward/ Promotion Bonus Units is/are not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Discount/ Early Bird Reward/ Promotion Bonus Units is non-extendable. Prudential will be under no obligation to replace or pay Eligible Customers the value of any Discount/ Early Bird Reward/ Promotion Bonus Units that are not utilised by the Eligible Customers before the end of the validity period of the Discount/ Early Bird Reward/ Promotion Bonus Units as may be stipulated by Prudential and/or relevant merchants. 
   
   
10. Promotion is not valid in conjunction with other promotions carried out by Prudential.
    
    
11. By participating in this Promotion, each Eligible Customer agrees and consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of any and all personal data of the Eligible Customer by/to Prudential, advertising and promotional agencies of the Promotion and such other third party, in Prudential’s absolute discretion, consider appropriate or necessary in connection with the Promotion and the Discount/ Early Bird Reward/ Promotion Bonus Units.
    
    
12. If an Eligible Customer provides Prudential with personal data of any third party, that Eligible Customer hereby:
    1. Agrees on behalf of that third party to be bound by the Terms and Conditions contained herein; and
    2. Consents on behalf of that third party, to Prudential’s collection, use, disclosure and processing of his/her personal data in accordance with the Terms and Conditions contained herein.

    The Eligible Customer warrants that he/she has obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by Prudential and that the personal data that the Eligible Customer provides to Prudential is true, accurate and complete.

13. Prudential shall not be liable for any third party’s misuse of the Eligible Customer’s submitted information and photograph as a result of the Eligible Customer taking part in the Promotion.
    
    
14. Unless prohibited by law, participation in the Promotion constitutes permission for Prudential, its advertising and promotional agencies to use any of the Eligible Customer’s names, and/or likeness for advertising and promotional purposes. Each Eligible Customer further agrees and acknowledges that the copyright and all other intellectual property rights in and to all photographs or audio-video or other recordings of the Eligible Customer taken or made in connection with the Promotion shall vest solely and absolutely in Prudential without any compensation to the Eligible Customer.
    
    
15. Prudential may at any time at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person, (i) suspend, cancel or terminate the Promotion, or (ii) delete, vary, supplement, amend, modify any one or more of the terms and conditions of the Promotion. Prudential’s determination of all matters in connection with the Promotion and the Discount/ Early Bird Reward/ Promotion Bonus Units shall be final, binding and conclusive. Prudential is not obliged to give any reason or prior notice on any matter concerning the Promotion or the Discount/ Early Bird Reward/ Promotion Bonus Units.  No appeal, correspondence or claims will be entertained. Prudential has the right and discretion to determine whether a party has met the requirements of the Promotion and/or to receive the Discount/ Early Bird Reward/ Promotion Bonus Units. Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination. 
    
    
16. By participating in the Promotion, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold Prudential, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by Prudential’s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and client or otherwise on a full indemnity basis whether or not incurred in respect of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Promotion, acceptance or usage of any Discount/ Early Bird Reward/ Promotion Bonus Units, and/or any breach or purported breach of these terms and conditions and/or any applicable law.
     
    
17. Prudential makes no warranty or representation as to the quality, merchantability or fitness for the purpose of the merchants’ goods and services in respect of the reward. Any dispute about the same must be resolved directly with the merchant. Merchant terms and conditions apply. 
    
    
18. In the event of any inconsistency or discrepancy between the Terms and Conditions and the contents of any brochure, marketing and/or promotional materials relating to the Promotion, these Terms and Conditions shall prevail.
    
    
19. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Discount/ Early Bird Reward/ Promotion Bonus Units, are the property of their respective owners. Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.   
    
    
20. Failure by Prudential to exercise any of its right or remedy under these Terms and Conditions does not constitute a waiver of that right or remedy.
    
    
21. The Terms and Conditions shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore. 
    
    
22. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Right of Third Parties) Act (Cap 53B) to enforce any of these terms and conditions.