PRUActive Life II
What is PRUActive Life II?
- A whole life insurance plan that gives you multiplied assurance1 when you need it most
- Comprehensive protection against death, terminal illness and total and permanent disability
- Optimises your coverage while accumulating cash value over time
Key Benefits
Flexible premium payment term
Multiply your coverage1
Financial support in times of need
Kinship Booster Benefit
Supplementary benefits
Early Crisis Care (PRUActive Life II)
- Enjoy 2x, 3x, 4x or 5x multiplied coverage. Multiplier Benefit is applicable only if you chose to have this benefit when you purchase the plan
- Coverage for an extensive number of early and intermediate stage medical conditions5 and receive up to $350,000 in claim
- Receive additional coverage for special benefits such as Benign Tumour Benefit6
- Cover your child against a multitude of juvenile medical conditions such as ADHD, dyslexia and autism
- Can be added as a supplementary benefit only if Crisis Care (PRUActive Life II) is added.
Crisis Care (PRUActive Life II)
- Enjoy 2x, 3x, 4x or 5x multiplied coverage. Multiplier Benefit is applicable only if you chose to have this benefit when you purchase the plan.
- Coverage for an extensive number of late stage medical conditions7
- Comes with Crisis Care Accelerator Benefit which covers serious illnesses or accidents that affect major organs resulting in admission to intensive care unit (ICU)8.
Useful tools and Information
Important Information
Footnotes
1Multiplier Benefit is applicable only if you chose to have this benefit when you purchase the plan. It comes with choices of 2x, 3x, 4x or 5x and Expiry Age choices of 65, 70, 75 or 80. Multiplier Benefit and the Multiplier Benefit Expiry Age will apply to PRUActive Life II and its attached Early Crisis Care and Crisis Care supplementary benefit.
2Total Permanent Disability Benefit expires on the policy anniversary before life assured turns 70 years old.
3This interest-free loan amount needs to be paid back at the end of the premium deferment period, if not, interest on the loan amount starting from the end of the premium deferment period will be charged.
4At the month after immediate family member purchases a PRUActive Life II policy. Kinship Booster benefit is only applicable to the basic sum assured (excluding multiplier benefit), does not accumulate any cash value and can only be applied to the policy on or before age next birthday 55. Subject to cap of S$100,000 per life assured. If the existing life assured has already made claims from the policy, the Kinship Booster Benefit no longer applies.
5Early stage and intermediate stage benefits payout under Early Crisis Cover (PRUActive Life II) will reduce the PRUActive Life II policy sum assured. If the sum assured of both PRUActive Life II and Early Crisis Cover (PRUActive Life II) is the same and a benefit payout for 100% of the sum assured from Early Crisis Cover (PRUActive Life II) is made, the PRUActive Life II policy and the Early Crisis Cover (PRUActive Life II) benefit will terminate. A claim under the Crisis Cover (PRUActive Life II) benefit within the PRUActive Life II policy could result in either a reduction of sum assured or termination of Early Crisis Cover (PRUActive Life II).
6Refers to benign tumour requiring surgical excision.
7Late stage medical conditions benefits payout under Crisis Cover (PRUActive Life II) will reduce the PRUActive Life II policy sum assured. If the sum assured of both PRUActive Life II and Crisis Cover (PRUActive Life II) is the same and a benefit payout for 100% of the sum assured from Crisis Cover (PRUActive Life II) is made, the PRUActive Life II policy and the Crisis Cover (PRUActive Life II) benefit will terminate. A claim under the Crisis Cover (PRUActive Life II) benefit within the PRUActive Life policy could result in either a reduction of sum assured or termination of Crisis Cover (PRUActive Life II).
8Applicable only when insured undergoes surgery of any of the vital organs (heart, lung, brain, kidney, liver) as a result of illness or accident and as a result of the surgery, the insured is admitted to ICU for at least 3 consecutive days. Excluding surgery due to organ donation. Subject to cap of S$100,000 per life assured. Only one claim is payable per policy.
Important Notes
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 product brochures, the English version shall prevail.
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).
Information is correct as of 1 October 2021.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
