PRUMortgage Refund
Life Protection – Mortgage Insurance

PRUMortgage Refund

Your home is more than just a shelter. It is a place of security for you and your family. PRUMortgage Refund ensures that your family is well taken care of if something happens to you. 

What is PRUMortgage Refund?

PRUMortgage Refund is a non-participating, reducing term insurance plan that provides financial protection against death and terminal illness with a unique return-of-premium feature.

Important Information


1Terms available from 10 to 35 years or up to age 75 next birthday, whichever is earlier.

2For joint life PRUMortgage Refund policy, the benefits will be payable if either one of the two life assureds (first occurrence only) dies, becomes totally and permanently disabled or suffers terminal illness during the term of the policy. If both life assureds either die, become totally and permanently disabled or suffer terminal illness at the same time, we pay only for the first life assured (not both) named on the Certificate of Life Assurance. Please refer to the policy for specific details.

3Optional disability benefit provides coverage against total and permanent disability during the term of the policy and can only be added at the start of the policy.

Additional 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 the supplementary benefit 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 web-sites ( or or

Information is correct as of 1 October 2021.

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

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