PRUActive LinkGuard
What is PRUActive LinkGuard?
Strike the balance between protection and growing your wealth with PRUActive LinkGuard. This customisable investment-linked whole life insurance plan provides double coverage against unexpected events, while empowering you to grow your savings through investment in our suite of PRULink funds.
The plan is designed to be flexible so you can adjust coverage and investment based on your changing priorities as you progress through life.
With PRUActive LinkGuard, enjoy the assurance of double protection, while powering the financial freedom to chase your dreams at every stage in life.
Key Benefits
Double coverage with Multiplier Benefit
Flexibility to keep up with changing needs
Affordable protection
10 years guaranteed coverage4
Supplementary Benefits
Early Crisis Care and Crisis Care
- Protects against 35 early-stage critical illness and protects against 56 critical illness
- Receive payout on illness or accident that affects major organs under Crisis Care Accelerator Benefit5
- Provides an accelerated lump sum payout from death coverage upon diagnosis of early critical illness or critical illness
- Additional coverage for 4 special benefits7, such as benign tumor requiring surgical excision and 11 Juvenile benefits, such as ADHD, Autism and Dyslexia
Early Crisis Protect and Crisis Protect
- Protects against 35 early-stage critical illness and 56 critical illness
- Receive payout on illness or accident that affects major organs under Crisis Protect Accelerator Benefit5
- Payout does not affect death coverage
- Provides an additional lump sum payout upon diagnosis of early critical illness or critical illness6
- Additional coverage for 4 special benefits7, such as benign tumor requiring surgical excision and 11 Juvenile benefits, such as ADHD, Autism and Dyslexia.
Useful tools and Information
Important Information
About PRULink funds
PRUActive LinkGuard allows you to have access to our suite of expert-managed PRULink funds.
Choose funds aligned to your risk appetite and preferences, and make unlimited fund switches as your risk profile or financial goals change.
To find out more about PRULink funds, click here.
Footnotes
1Optional to retain the Multiplier Benefit throughout the policy term.
2Applicable only if 25 months of regular premiums have been fully paid. Subject to the requirement on minimum withdrawal amount and minimum policy account balance.
3For male or female non-smoker life assured, ages from 1 to 15, with S$200K Multiplier Benefit for death, terminal illness and total permanent disability.
4This No Lapse Period (“NLP”) will be applicable in the first 10 years from the start date of the policy if the policyowner has paid all regular premiums and made no withdrawal from the policy.
5Any condition must be first considered or claimed against the 56 critical illnesses before being considered under this benefit. The life assured must undergo 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 3 consecutive days or more. Excluding surgery due to organ donation. Subject to cap of S$100,000 per life assured.
6The life assured must survive at least 7 days from the date of diagnosis.
7Special Benefits coverage includes diabetic complications, osteoporosis with fractures, severe rheumatoid arthritis, benign tumour requiring surgical excision.
Terms and conditions apply. Please refer to Product Summary for more information.
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.
PRUActive LinkGuard is an Investment-Linked Plan (ILP) which invests in ILP sub-fund(s). Investment products are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units and the income accruing to the units (if any) may fall or rise. Past performance is not necessarily indicative of future performance.
A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your Prudential Financial Consultant. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s).
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.
The information contain 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 contain on this website is for distribution 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 web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as of 10 May 2022.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
