PRUAssure Income (USD)

1. Promotion Details
   
   1. Definitions:
   
   1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
      
      
   2. “Promotion Period” means:
      • Eligible Insurance Plan submitted between 14 July 2026 and 31 December 2026 (both dates inclusive).
      • PRUAssure Income (USD) submitted between 15 September 2026 and 31 December 2026 (both dates inclusive ), or when tranche size is met, whichever is earlier.
         
   3. “Policy Start Date” means:
      • PRUApex MultiGen Wealth with a policy start date between 14 July 2026 and 31 January 2027 (both dates inclusive).
        
      • PRUApex Legacy Index II and PRULife Vantage Achiever Prime II (USD) with a policy start date between 14 July 2026 and 31 March 2027 (both dates inclusive).
      • PRUAssure Income (USD) with a policy start date between 15 September 2026 and 15 January 2027 (both dates inclusive).
         
   4. “Eligible Customer” means a policyholder whose proposals for PRUAssure Income (USD) and an Eligible Insurance Plan are submitted to Prudential during the Promotion, and whose policy start dates fall within the applicable period specified under Policy Start Date, having satisfied the eligibility criteria set out below. 
      
      
   5. “Eligible Insurance Plan” means any of the insurance plans set out in the Promotion Table below that may be purchased together with a PRUAssure Income (USD) policy under the Promotion.
      
      
   6. “Enhanced First-Year Guaranteed Yearly Cash Benefit” means the promotional enhanced cash benefit rate of 6.0% p.a. instead of the standard rate of 5.0% p.a., payable during the first policy year of the PRUAssure Income (USD).
      
      
   7. “Promotion” means the promotion under which the Eligible Customer needs to submit a PRUAssure Income (USD) policy and an Eligible Insurance Plan within the Promotion Period, and whose policy start dates fall within the applicable period specified under Policy Start Date to receive the Enhanced First-Year Guaranteed Yearly Cash Benefit on PRUAssure Income (USD) policy as stated in the Promotion Table.
      
      
   8. “Promotion Table” means the Promotion Table below.
      Promotion Table
      

      	PRUAssure Income (USD)
      Eligible Insurance Plan	Enhanced First-Year Guaranteed Yearly Cash Benefit
      PRUApex Legacy Index II PRUApex MultiGen Wealth PRULife Vantage Achiever Prime II (USD)	6.0% p.a.

      
      
   2. Eligibility
   

   To be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements in order to receive the Enhanced First-Year Guaranteed Yearly Cash Benefit (as defined in the Promotion Table):

   1. The Eligible Customer’s proposals for a PRUAssure Income (USD) policy and an Eligible Insurance Plan are submitted to Prudential during the Promotion Period, and whose policy start dates fall within the applicable period specified under Policy Start Date
      
      
   2. This Promotion is valid for single premium payment mode for PRUAssure Income (USD) and all premium payment modes (single premium, quarterly, half-yearly, and annually) as applicable to the Eligible Insurance Plan.
      
      
   3. The PRUAssure Income (USD) policy and the Eligible Insurance Plan must have the same Life Assured.
      
      
   4. The Promotion shall be assessed at the Life Assured level. Each Life Assured may only hold one (1) PRUAssure Income (USD) policy and shall be eligible for only one (1) Promotion.
      
      
   5. Prudential reserves the right to cancel the PRUAssure Income (USD) policy where the Eligible Insurance Plan is Not Taken Up, cancelled, lapsed or terminated.
      
      For the avoidance of doubt, where the PRUAssure Income (USD) policy is cancelled as a result of the Eligible Insurance Plan being Not Taken Up, cancelled, lapsed or terminated, the PRUAssure Income (USD) policy will not be reinstated notwithstanding any subsequent reopening, reinstatement or reissuance of the Eligible Insurance Plan. A new application for PRUAssure Income (USD) will need to be submitted.
       

   3. Enhanced First-Year Guaranteed Yearly Cash Benefit
   

   1. An Eligible Customer is entitled to receive the Enhanced First-Year Guaranteed Yearly Cash Benefit on PRUAssure Income (USD) for the first policy year when submitted with an Eligible Insurance Plan, in accordance with the Promotion Table.
      
      
   2. The Enhanced First-Year Guaranteed Yearly Cash Benefit on this Promotion is not applicable should the PRUAssure Income (USD) and/or Eligible Insurance Plan be 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.
      
      
   3. The Enhanced First-Year Guaranteed Yearly Cash Benefit will be credited and paid in accordance with the applicable policy terms of the PRUAssure Income (USD) policy.
      
       
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 Enhanced First-Year Guaranteed Yearly Cash Benefit, or, if already awarded, reclaim the Enhanced First-Year Guaranteed Yearly Cash Benefit 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 Enhanced First-Year Guaranteed Yearly Cash Benefit.  
      
      
   6. Prudential reserves the right to replace any Enhanced First-Year Guaranteed Yearly Cash Benefit with items of similar value at any time without prior notice.
      
      
   7. 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 Enhanced First-Year Guaranteed Yearly Cash Benefit. 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. 
      
      
   8. The Enhanced First-Year Guaranteed Yearly Cash Benefit is not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Enhanced First-Year Guaranteed Yearly Cash Benefit is non-extendable.
      
      
   9. 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 Enhanced First-Year Guaranteed Yearly Cash Benefit.
      
      
   10. 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.

   11. 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.
       
       
   12. 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.
       
       
   13. 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 Enhanced First-Year Guaranteed Yearly Cash Benefit 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 Enhanced First-Year Guaranteed Yearly Cash Benefit.  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 Enhanced First-Year Guaranteed Yearly Cash Benefit. Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.
       
       
   14. 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 Enhanced First-Year Guaranteed Yearly Cash Benefit, and/or any breach or purported breach of these terms and conditions and/or any applicable law. 
       
       
   15. 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.
       
       
   16. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Enhanced First-Year Guaranteed Yearly Cash Benefit, are the property of their respective owners. Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.  
       
       
   17. 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. 
       
       
   18. 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.
       
       
   19. 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.
   
   

Q1. What is this promotion about?
This promotion rewards customers who purchase PRUAssure Income (USD) and an Eligible Insurance Plan with a promotional Enhanced First-Year Guaranteed Yearly Cash Benefit of 6.0% p.a. instead of the standard rate of 5.0% p.a., payable during the first policy year of the PRUAssure Income (USD).

Q2. How can I qualify for the promotion?
Customers who purchase a PRUAssure Income (USD) policy and an Eligible Insurance Plan within the Promotion Period, and whose policy start dates fall within the applicable period specified under Policy Start Date will be eligible to receive the Enhanced First-Year Guaranteed Yearly Cash Benefit for PRUAssure Income (USD). Please refer to Terms and Conditions for more details.

Q3. Does the PRUAssure Income (USD) policy and Eligible Insurance Plan need to have the same Life Assured?
Yes. The Life Assured for the PRUAssure Income (USD) policy and the Eligible Insurance Plan must be the same to qualify for the Promotion.

Q4. Can I purchase more than one PRUAssure Income (USD) and Eligible Insurance Plan under this promotion?
Eligibility for the promotion will be assessed at the Life Assured level. Each Life Assured may only hold one (1) PRUAssure Income (USD) policy and is eligible for only one (1) promotion.

Q5. Will I qualify for the Enhanced First-Year Guaranteed Yearly Cash Benefit if the Eligible Insurance Plan is Not Taken Up, cancelled, lapsed or terminated?
No. Customer will not be eligible for the Enhanced First-Year Guaranteed Yearly Cash Benefit on PRUAssure Income (USD) if the Eligible Insurance Plan is Not Taken Up, cancelled, lapsed or terminated. Prudential reserves the right to cancel the PRUAssure Income (USD) policy if the Eligible Insurance Plan is Not Taken Up, cancelled, lapsed or terminated.