Compare among 3
Savings plans

 PRUWealth Plus (SGD)PRUWealth (USD)PRUActive Saver III
Payment termSingle (via cash or SRS) or regular premium of 5, 10, 15 and 20 yearsSingle premium or regular premium of 5 or 10 yearsSingle or regular premium between 5 to 30 years
Capital guaranteedAfter 10th year1After 10th year6Yes, upon maturity
Maturity benefitYesYesYes9
Cash benefitNoNoNo
Retrenchment payoutYes2NoNo
Medical underwriting neededNoNoNo
Flexibility to change the life assuredYes, secondary life assured3, joint ownership and change of life assured4Yes7, secondary life assured and joint ownershipNo
Flexibility to do withdrawalsYes, partial surrender5Yes, partial surrender5Yes, partial surrender5
Premium waiverOptional, with Crisis Waiver III, Early Stage Crisis Waiver or Payer Security PlusOptional, with Crisis Waiver USD or Payer Security (USD)Optional, with Crisis Waiver III, Early Stage Crisis Waiver or Payer Security Plus
Accidental Disability coverageOptional add-onNoOptional add-on
Death coverageYesYes8Yes10

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

1Capital guarantee is after 10th year only if you purchased a PRUWealth Plus (SGD) policy of single premium payment term. For a policy of 5 years and 10 years premium payment term on an annual premium payment mode, the capital guarantee is after the 15th year and the 18th year respectively. For a policy of 15 years and 20 years premium payment term on an annual premium payment mode, the capital guarantee is after the 19th year. This is also provided there has not been any policy alterations such as partial surrender since inception.

2The payout computation varies depending on the chosen premium term. For single premium term, the payout is 10% of single premium and for all regular premium terms, it is based on 50% of annualised premiums. The retrenchment benefit payment amount is subject to a maximum of S$100,000 for each policyowner, across all policies owned by them, that have a retrenchment benefit.

3Not applicable for single premium policy paid via SRS funds. Appointment of secondary life assured is restricted to the policy owner’s immediate family members and is subject to acceptance by us.

4Not applicable for single premium policy paid via SRS funds. Change of life assured is subject to insurable interest with original policy owner(s). For regular premium policy, you can choose to change the life assured to another life assured only after the premium payment term of the policy. For single premium policy paid using cash, you can only choose to change the life assured after 2 years from the cover start date of the policy. Other terms and conditions apply, please refer to product summary for more details.

5Any withdrawal is a partial surrender and must be requested by the customer. Any partial surrender will result in a reduction in the long-term value of the policy. If the policy is surrendered, the surrender value payable (if any) may be less than the total premiums paid.

6Capital guarantee is after 10th year only if you purchased a PRUWealth (USD) policy of single premium payment term. For a policy of 5 years and 10 years premium payment term on an annual premium payment mode, the capital guaranteed is after 20th year. This is also provided there has not been any policy alterations such as partial surrender since inception.

7Upon the death of the primary life assured, the policy continues with cover on the life of the appointed secondary life assured instead, and no death benefit will be payable. Any supplementary benefits attached will be terminated upon the death of the primary life assured. There will be no changes to the original premium payment term or policy term, and premium payment for the policy continues (if applicable). Appointment of secondary life assured is restricted to the policy owner’s immediate family members and is subject to acceptance by Prudential.

8Death Benefit will be the higher of:
(a) 105% of single premium paid/total premiums paid (excluding premiums paid for supplementary benefits (if any)) as at time of death, less any bonus surrendered;
(b) or 101% of the surrender value, less any amounts owing to us. Payout of Death Benefit only takes place if there is no appointment of a secondary life assured.

9On the maturity date we pay a maturity benefit in a lump sum. The maturity benefit is a percentage of the face value plus all the bonuses that we have added to the policy, less any amounts owing to us in connection with your policy. The bonuses are not guaranteed.

10Death benefit will be the higher of:
(a) 105% of the total premiums paid up to time of death (excluding premiums paid for supplementary benefits (if any)) less any bonus surrendered; or
(b) 101% of the surrender value, less any amounts owing to us.

11Maturity benefit is computed based on Face Value + bonuses (if any), less any outstanding amount payable. Face Value is a notional value used to determine the Reversionary Bonuses (non-guaranteed) and the maturity benefit. It is not the sum assured of the policy. Bonuses, if any, are not guaranteed and will vary according to the future performance of the participating funds.

12Death Benefit will be the higher of:
(a) 105% of the total premium paid (excluding premiums paid for supplementary benefits (if any)), or
(b) 101% of the surrender value, less any outstanding amounts payable.

Compare among 5
Savings plans

 PRUIndex Income BoostPRUIndex Lifetime IncomePRUWealth IncomePRULifetime Income PlusPRUActive Cash
Monthly/Yearly incomeReceive guaranteed monthly cash benefit payouts1 from month 1 in the 1st policy year, with potential higher Index-linked returns2 from the 2nd yearReceive guaranteed monthly cash benefit payouts5 starting from month 1 for life, with potential higher Index-linked returns2 from the 2nd yearStarting with 2nd policy year and payout increases from 4th policy year onwards6Starting with the 49th policy month onwards, and for as long as the life assured lives10Receive yearly cash benefit payouts12 from the 2nd year
Payment termRegular premium of 5 or 10 yearsRegular premium of 5, 7, 10 or 15 yearsSingle premium4 or 10 yearsRegular premium of 5, 10, 15, 20 or 25 years
CurrencySGDSGD or USDSGD or USDSGDSGD
Capital guaranteedUpon maturityIf breakeven year is reachedIf breakeven year is reachedIf breakeven year is reachedUpon maturity13
Maturity benefitYesNoNoNoYes14
Retrenchment payoutNoNoYes, one-time payout7Yes, one-time payout11No
Flexibility to change the life assuredNoYesYesYes, change life assured to a loved one for legacy planning, or an employee for a corporate-owned policyNo
Flexibility to do withdrawalsYes, partial surrender3Yes, partial surrender3Yes, partial surrender3Yes, partial surrender3Yes, partial surrender3
Accidental Disability coverageNoNoYes8YesOptional add-on
Death coverageYes4Yes4Yes9Yes4Yes15

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

1Calculated based on 2.3% p.a., apply the face value and the applicable factor to derive the actual guaranteed monthly cash benefit amount.

2Subject to participation rate. The participation rate is not guaranteed, varies across different Indices, and is subject to the performance of the Par Fund. The Monthly Cash Benefit from the 13th month is not guaranteed.

3Any withdrawal is a partial surrender and must be requested by the customer. Any partial surrender will result in a reduction in the long-term value of the policy. If the policy is surrendered, the surrender value payable (if any) may be less than the total premiums paid.

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.

5Calculated based on 0.5% p.a., apply the face value and the applicable factor to derive the actual guaranteed monthly cash benefit amount.

6Monthly cash benefit is computed based on a percentage of single premium paid.

7This benefit will be terminated after the retrenchment benefit is paid out. The retrenchment benefit payment amount is subject to a maximum of S$100,000 for each policyowner, across all policies owned by them, that have a retrenchment benefit. Waiting period of 90 days applies. Only applicable during the first 5 policy years when the policyowner is retrenched and remains unemployed for 30 continuous days from the date of retrenchment before turning 65 years old.

8If the life assured becomes disabled because of an accident before age 70, we pay the higher of:
(a) 105% of single premium, or
(b) 101% of the surrender value as at the date the life assured was certified to be disabled due to an accident, plus any cash benefit left with us, less any outstanding amount payable.

9Upon death of the life assured, we pay the higher of:
(a) 101% of single premium, or
(b) 101% of the surrender value as at the time of death, plus any cash benefit left with us, less any outstanding amount payable.

Upon accidental death of the life assured, we pay the higher of:
(a) 105% of single premium, or
(b) 101% of the surrender value as at the time of death, plus any cash benefit left with us, less any outstanding amount payable.

10When there is no change in life assured.

11This benefit will be terminated after the retrenchment benefit is paid out. The retrenchment benefit payment amount is subject to a maximum of S$100,000 for each policyowner, across all policies owned by them, that have a retrenchment benefit. Waiting period of 90 days applies. Only applicable during the premium payment term when the policyowner is retrenched and remains unemployed for 30 continuous days from the date of the date of retrenchment before turning 65 years old.

12The yearly cash benefit is 3% of the PRUActive Cash policy’s face value. The face value is a notional value used to determine the yearly cash benefit, bonuses (non-guaranteed), and the maturity benefit. It is not the sum assured of the policy.

13Only applicable for certain policy combinations.

14The Maturity Benefit consists of the last instalment of the yearly cash benefit, guaranteed maturity value and non-guaranteed maturity bonuses (if any), less any amount owing to us.

15Death Benefit will be the higher of:
(a) 105% of total premiums paid up to the time of death (excluding premiums paid for supplementary benefits (if any)) less any bonus surrendered (if any); or
(b) 101% of the surrender value, plus any cash benefit that you have left with us to accumulate with interest, less any amounts owing to us.

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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