Compare among 4
Legacy Plans
Premium of 10 years
Growth potential linked to S&P 500 returns, subject to a cap rate of 9.0%2
Steady growth on Fixed Account with a First Year Crediting Rate of 4.2% p.a. and Guaranteed Minimum Crediting Rate of 2.0% p.a.3
Loyalty crediting rate of 0.35% p.a. on Fixed Account from year 11 onwards
Premium of 5 or 10 years
Growth potential linked to the uncapped returns of your chosen index5 for Index Account
Steady growth on Fixed Account with a First Year Crediting Rate of 4.2% p.a. and Guaranteed Minimum Crediting Rate of 2.0% p.a.3
Loyalty crediting rate of 0.35% p.a. on Fixed Account from year 11 onwards
Footnotes
Please refer to the Product Summary and Policy Document for details of the terms and conditions.
1Subject to Least Premium Required and Maximum Advance Premium.
2A Guaranteed Minimum Cap Rate of 3.0% applies. Cap Rate and Guaranteed Minimum Cap Rate (for future new monies only) may change at Prudential's discretion.
3Guaranteed crediting rate for future new monies may be changed at Prudential's discretion.
4Death Benefit will be the higher of:
(a) 101% of total premiums paid (excludes premiums paid for supplementary benefits (if any)); or
(b) 101% of the surrender value as at the time of death, plus any cash benefit left with us, less any amounts you owe us.
If death is due to an accident, the Accidental Death Benefit will be the higher of:
(a) 105% of total premiums paid (excluding premiums paid for supplementary benefits (if any)); or
(b) 101% of the surrender value as at the time of death, plus any cash benefit left with us, less any amounts you owe us.
5Subject to prevailing participation rates.
6Regular premium payment of 3 to 30 years apply to USD denominated policies. For SGD denominated policies, only a premium paying term of 5 years is applicable.
7On death or terminal illness of the life assured
(a) before Multiplier Benefit expiry age 85 or 100, we pay the higher of:
(i) The sum assured for death plus all non-guaranteed bonuses; or
(ii) The Multiplier Benefit, less any amounts owing to us.
(b) after Multiplier Benefit expiry age 85 or 100, we pay the sum assured for death plus all non-guaranteed bonuses, less any amounts owing to us.
(c) Multiplier Benefit expiry age 100 option is not applicable to PRULife Vantage Achiever Prime (USD) and PRULife Vantage Achiever Prime II (SGD) Regular Premium.
8Change of life assured is only allowed after two years from policy start date for single premium policy and after premium paying term for regular premium policy.
9The interest rate is not guaranteed and is subject to change.