There’s joy in looking ahead, and rewards to enjoy along the way. As you build towards the milestones and long-term goals that matter to you, enjoy PRUPoints rewards today, with something bigger to look forward to tomorrow.

Promotion Period: 1 November to 31 December 2026

 

Terms and conditions apply.

For more information, speak to your Prudential Financial Representative or leave your contact details below.

  1. Promotion Details

    1. Definitions:
    1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
    2. “Promotion Period” means the period between 1 November and 31 December 2026 (both dates inclusive).
    3. “Eligible Customer” means a policyholder whose proposal for any Eligible Insurance Plan/Eligible Single Premium Insurance Plan is submitted to Prudential during the Promotion Period, and whose policy start date (also known as the risk commencement date) falls within the same Promotion Period, having satisfied the eligibility criteria below. 
    4. “Eligible Insurance Plan/Eligible Single Premium Insurance Plan” means any of the products meeting the criteria as stated in Promotion Tables A and B below. For the avoidance of doubt, Eligible Insurance Plans in Promotion Table A refer to plans purchased on a regular premium basis, where premiums are payable periodically over the Premium Term.
    5. “PRUPoints” means reward points awarded to Eligible Customers that can be accumulated for redemption on Prudential’s online rewards platform for perks ranging from daily essential e-vouchers to goods and services from participating merchants.
    6. “Reward” means the PRUPoints awarded to an Eligible Customer in accordance with the Promotion Table.
    7. “Promotion Table” means the Promotion Table A and B below.

      Promotion Table A
      Eligible Insurance PlansPremium TermMinimum Annualised Premium1
      (SGD/USD      3)      		 PRUPoints2
      (Expressed as a percentage of First Year Premium)
      PRUActive Cash
      PRUWealth Plus (SGD)
      PRUActive Retirement II
      PRUWealth (USD)
      PRUWealth Income II (USD)
      PRUApex MultiGen Wealth       		3 to 5 years50,0002.0%
      6 to 10 years25,0005.0%
      Above 10 years10,00010.0%


      Promotion Table B
      Eligible Single Premium Insurance PlansMinimum Single Premium4
      (SGD)      		 PRUPoints2
      (Expressed as a percentage of Single Premium)
      PRUWealth Plus (SGD) – SRS
      PRUActive Retirement II (SRS)       		35,0001.0%
      70,0001.5%
      100,0002.0%
      PRUActive Saver III (SRS)15,3001.0%
      30,0001.3%
      60,0001.5%

    2. Eligibility

    To be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements in order to receive the Reward (as defined in Promotion Tables A and B): 

    1. The Eligible Customer’s proposal for an Eligible Insurance Plan/ Eligible Single Premium Insurance Plan is submitted to Prudential during the Promotion Period and the policy start date falls within the Promotion Period.  
    2. This Promotion is valid for all premium payment modes (monthly, quarterly, half-yearly, annually) and Premium Terms as applicable to the Eligible Insurance Plan in Promotion Table A, except for the Eligible Single Premium Insurance Plans in Promotion Table B, which are valid for single premium mode paid using Supplementary Retirement Scheme (SRS) funds only.
    3. The Reward is not applicable should the Eligible Insurance Plan/ Eligible Single Premium Insurance Plan be Not Taken Up and subsequently reopened, or the Eligible Insurance Plan/ Eligible Single Premium Insurance Plan has lapsed and subsequently reinstated. 
    4. If the Eligible Customer's proposal for any Eligible Insurance Plan / Eligible Single Premium 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. Reward (PRUPoints)

    1. An Eligible Customer is entitled to receive the Reward in accordance with Promotion Tables A and B above. 
    2. The Reward shall be on a ‘per-policy’ basis, subject to the Terms and Conditions of this Promotion.
    3. The Reward will be credited as PRUPoints to the Eligible Customer’s account on Prudential’s online rewards platform within eight (8) weeks after the end of the fourteen (14) day free-look period, provided that the Eligible Insurance Plan remains in force and all premiums due have been received by Prudential.
    4. The Reward is not applicable should the Eligible Insurance Plan/ Eligible Single Premium Insurance Plan be cancelled within the fourteen (14) day free-look period. If the Eligible Insurance Plan/ Eligible Single Premium Insurance Plan is surrendered, terminated or lapses within twelve (12) months from the policy start date, Prudential reserves the right to forfeit any PRUPoints not yet credited and/or reclaim the value of any PRUPoints already credited.
    5. Once credited, PRUPoints are subject to the terms and conditions of Prudential’s online rewards platform, including any validity period.


  2. General Terms and Conditions

    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 Reward, or, if already awarded, reclaim the Reward 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 Reward.
    6. Rewards are subject to availability while stocks last. Prudential reserves the right to replace any Reward 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 Reward 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 Reward at the time of Reward allocation. 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 Reward is not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Reward is non-extendable. Prudential will be under no obligation to replace or pay to Eligible Customers the value of any Reward that is not utilised by the Eligible Customers before the end of the validity period of the Reward as may be stipulated by Prudential and/or relevant merchants.
    10. The 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 redemption of the Reward. 
    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 Reward 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 Reward.  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 Reward. 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 Reward, 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 Reward, 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.

1 The Minimum Annualised Premium is defined as the total premium due in a year for the basic policy and supplementary benefit(s) (if any), including the additional premium payable due to substandard loadings (where applicable).

2 PRUPoints are calculated by (1) multiplying eligible insurance plan premium (first year or single premium) by the percentage shown in the table; (2) rounding the result up to the nearest $1; (3) multiplying by 100. For example, if you buy a plan in Table A with a 5-year premium term and a first-year premium of S$50,525, you get 2.0% × S$50,525 = S$1,010.50, which rounds up to S$1,011. You will earn 1,011 × 100 = 101,100 PRUPoints. All PRUPoints have an expiry of one year from date of issuance and 100 PRUPoints are equivalent to one Singapore dollar (S$1). This conversion may be subject to change without prior notice at Prudential’s absolute discretion. 

3 For Eligible Insurance Plans denominated in USD, the Minimum Annualised Premium is in USD. The PRUPoints Reward will be computed in SGD.

4 The Minimum Single Premium is defined as a single up-front premium payment, paid using Supplementary Retirement Scheme (SRS) funds, to fully pay for the basic policy.

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Representative for a financial analysis before purchasing an insurance policy suitable to meet your needs. 

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. 

The information contained herein is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details, and exclusions applicable to these insurance products in the policy documents that can be obtained from your Prudential Financial Representative.

The information contained herein is for distribution in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore. 

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

The information presented cannot be reproduced, amended or circulated in whole or in part to any other person without our prior written consent.

Information is correct as of 13 November 2026.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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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


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