PRUMortgage Refund Premier
Life Protection – Mortgage Insurance

PRUMortgage Refund Premier

Whether it’s one person or two people financing your home loans, PRUMortgage Refund Premier is a mortgage insurance plan that helps you stay covered against the unforeseen.

What is PRUMortgage Refund Premier?

PRUMortgage Refund Premier is a single premium non-participating, reducing term plan1 designed to help safeguard your family’s future. It protects you against mortgage liability in the event of the unforeseen.

Important Information


1Reducing term plan means the sum assured of the plan will reduce annually according to the interest rate and the policy term selected at the start of the policy. PRUMortgage Refund Premier is a non-participating reducing term plan.

2Terms available from 10 to 35 years or up to age 80 next birthday, whichever is earlier.

3For joint-life PRUMortgage Refund Premier 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 coverage period. 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 document for specific details.

4The policy provides coverage against total and permanent disability (“TPD”), provided the disability occurs before the cover expiry date of the policy, or before the policy anniversary prior to the life assured attaining age 65 next birthday, whichever is earlier.

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 some of the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.

The information contained 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 this insurance product 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.

This policy is protected 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 ( 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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