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PRUadvance saver

We understand you want 7 years of savings and enjoy payout in 12 years.

You can now get closer to reaching your savings goals with our PRUadvance saver plan. Designed to help you save in a disciplined manner, PRUadvance saver allows you to pay your premiums in the first 7 years and harvest potentially higher returnsin a 12-year term.

PRUadvance saver also covers you against Death and Terminal Illness2, whilst helping you to attain your savings goals. You can now have peace of mind knowing that your family is protected, should the unforeseen happen to you even while you save.


English Brochure

Chinese Brochure


Automatic Premium Benefit 

Automatically funds for the last 5 premium years

Protection Coverage 

Death & Terminal Illness2

Hassle Free Application 

Answer 3 medical questions

Product Details

Product Type


Payment Term

Payable by customer:

  • 7 years
  • Remaining 5 years are payable by Automatic Premium Benefit3
Policy Term

12 years

Issuance Age

1 to 65 Age Next Birthday


Minimum Sum Assured:

  • $30,000

Maximum Sum Assured:

  • $450,000

Minimum Annual Premium:

  • $6000
Maturity Benefit

Sum Assured of the Death Benefit plus all the bonuses4 (if any), less any amounts owing to us

Death Benefit

100% sum assured of the Death Benefit plus all bonuses4 (if any), less any amounts owing to us.

Total & Permanent Disability Benefit

Not Applicable

Cash Benefit

Not Applicable

Critical Illness Benefit

Not Applicable

Accidental Death Benefit

Not Applicable

Enhance Your Coverage

Early Stage Crisis Waiver, Crisis Waiver III, Early Payer Security, Payer Security III/ Payer Security Plus

How PRUadvance saver works:

Mr. Tan (aged 35 on his next birthday, non-smoker) is planning for his future and would like to start saving for important milestones in life, such as sending his son for further education. He is able to set aside $7,8435 per annum for the first 7 years with a sum assured of $50,000, so that he can receive the maturity proceeds in a lump sum for his son’s education at the end of 12 years.

PRUadvance saver infographic


  1. The maturity benefit, comprising sum assured plus bonuses (if any), less any amounts owing, is payable in lump sum upon maturity. Bonuses are not guaranteed and will vary according to the future performance of the participating fund.
  2. Policy provides coverage against Accelerated Terminal Illness during the term of the policy, and before the anniversary of the policy on which the Life Assured attains the age of 65. We will pay for either Death or the Accelerated Terminal Illness benefit, but not both.
  3. The Automatic Premium Benefit will only take effect when the full 7 years’ premiums have been paid by the policyholder. This Benefit is guaranteed and will not be paid out to policyholder.
  4. Bonuses, if any, are not guaranteed and will vary according to the future performance of the participating fund.
  5. Premium quoted is based on an annual basis for a non-smoking male, age 35 next birthday with an annual premium of $7,843 (rounded up to the nearest dollar) payable for 7 years.
  6. The illustrated values use bonus rates assuming a projected investment rate of 4.75% p.a. for the participating fund. Bonuses are not guaranteed and will vary according to the future performance of the participating fund.



You are recommended to read the product summary and seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a 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.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for some of the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.

The information on this website 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 Consultant.

The information contained on this website is intended to be valid 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.

In case of discrepancy between the English and Mandarin versions of the e-Brochures, the English version shall prevail.

Information is correct as at 10 December 2018.

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

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