PRUIndex Lifetime Income
Lock in up to 3 months* of Promotional Participation Rate to maximise your potential Monthly Cash Benefits!
*based on policies issued in October 2025.
Terms and conditions apply.
*based on policies issued in October 2025.
Terms and conditions apply.
What is PRUIndex Lifetime Income?
Living longer means more time to enjoy life with your loved ones, create lasting memories — and more financial demands. At the peak of your life, you are not just aiming for the best for yourself but also striving to protect and secure your family's future.
Financial planning in your prime years does not have to slow down or come to a halt. It is the time to evolve – to adapt to changing market conditions and seize income growth opportunities that you can count on. PRUIndex Lifetime Income is a first-in-market, index-linked whole life participating plan designed to generate lifelong guaranteed income stream with potential for higher payout linked to an Index growth, while protecting your savings from market downside, with the flexibility to support your family across generations.PRUIndex Lifetime Income is built to last and made to share, because you and your family deserves more.
Key Benefits
Grow your income
From the 13th month onwards, your Monthly Cash Benefits rides on uncapped Index growth2 to deliver higher potential payouts.
Choose from 3 Index options in SGD or USD3.
Protect your savings
Tailor to your needs and beyond
Choose a premium term that suits you – from 5, 7, 10, or 15 years.
Switch Index from the 4th policy year3,4 to suit your growth strategy.
Support your family across generations – with income that lasts up to 380 years with options like Wealth Share, appoint Secondary Life Assured5, and change of Life Assured6.
Protect your loved ones’ future
Supplementary benefits
SimpleTerm
- Enhance your protection coverage and receive a lump-sum sum assured payout in the event of death, terminal illness or total and permanent disability due to accidents in the first year, and due to any cause from the second year onwards.
- No medical underwriting required.
Crisis Waiver III
- Waiver of premiums7 upon diagnosis of any one of the 35 critical illnesses listed.
Payer Security Plus
- Waive the premiums of your spouse’s or child’s policy in the event of your death, total and permanent disability8 or critical illness.
- This benefit covers you up to the end of the premium term or when you turn 85, whichever is earlier.
Crisis Waiver (USD)
- Waiver of premiums9 upon diagnosis of any one of the 35 critical illnesses listed.
Payer Security (USD)
- Waive the premiums of your child’s policy in the event of your death, total and permanent disability or critical illness10.
Seize Market Opportunities with Dynamic Participation Rate
Learn how the dynamic participation rate approach helps you seize market opportunities while safeguarding your investments - just like smart grocery shopping!
Useful tools and Information
Important Information
Footnotes
1Applied to the face value and the applicable factor to derive the actual guaranteed Monthly Cash Benefit payable.
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 linked to the index growth from the 13th month is not guaranteed.
3Customer can only select one Index at any point, with 100% allocation. Indexes in SGD are for the SGD plan and Indexes in USD are for the USD plan.
4Index Redirection is allowed from 4th policy year onwards, provided policy is in-force and premiums are paid to date. It will only take effect from the segment creation of the following month, upon completion of Index Redirection application.
5Appointment of secondary life assured is restricted to the policy owner’s immediate family members and is subject to acceptance by Prudential.
6Change of life assured is subject to insurable interest with current policy owner. You can choose to change the life assured to another life assured only after the premium payment term of the policy.
7Crisis Waiver III waives the future premiums of the covered benefits up to the end of premium term or age 85, whichever is earlier.
8Total and permanent disability coverage is up to the policy anniversary on which the person covered under Payer Security Plus turns 65 years old.
9Crisis Waiver (USD) waives all future premiums up to the end of the premium payment term.
10The death, total and permanent disability and critical illness waiver coverage will expire before the policy anniversary before the person covered under Payer Security (USD) turns 60 years old, or the life assured turns 25 years old, or to the end of the premium payment term of the main policy, whichever event happens first. The waiver of premiums will be until the policy anniversary before the stated age.
Additional Notes
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.
Premiums for some of the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.
The information contained on the 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 Representative.
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 brochure, the English version shall prevail.
These policies are under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policies 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 web-sites (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 at 1 October 2025.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
