Life Protection | Term Life Insurance

DIRECT - PRUProtect Term 5

Designed to protect your family’s needs should anything unforeseen happen, DIRECT - PRUProtect Term 5 is a flexible plan you can renew every 5 years.

What is DIRECT - PRUProtect Term 5?

DIRECT - PRUProtect Term 51 is a regular premium term plan that provides financial protection in the event of death, terminal illness, and total and permanent disability2.

Supplementary benefits



DIRECT - Crisis Cover4
  • Protection against 30 critical illnesses
  • Pays out the sum assured upon diagnosis of a covered critical illness
  • A critical illness payout will reduce the sum assured of the DIRECT - PRUProtect Term 51 policy it is attached to
  • DIRECT - Crisis Cover4 terminates once 100% of the sum assured has been paid out

Important information


1 You may choose to cover from a minimum sum assured of $50,000 and up to $400,000. The minimum entry age is age 19 next birthday.

2The plan provides coverage against total and permanent disability provided the condition occurs before its cover expiry date or before the policy anniversary prior to the life assured attaining age 65, whichever is earlier.

3The DIRECT-PruProtect Term 5 policy will be automatically renewed for another term of 5 years without evidence of good health. This automatic renewal is only effected if the life assured is below 80 years old. For the Accelerated Disability Benefit within the policy, its automatic renewal is only effected if the life assured’s age is below 60 years old.

4DIRECT - Crisis Cover will pay a benefit upon occurrence of any of the 30 critical illnesses covered, and before its cover expiry date, or before the policy anniversary prior to the life assured attaining age 65, whichever is earlier. Premium for DIRECT - Crisis Cover benefit is not guaranteed

Important Information about DIRECT PRODUCTS & How to Purchase

If you purchase Direct Purchase Insurance (DPI) products, you have:

  • Chosen not to seek any financial advice, therefore there would not be any costs associated with the provision of financial advice.
  • Understood that post-purchase servicing of the DPI policy would be handled by a Prudential Customer Service Officer and would not be provided by a Prudential Financial Consultant.
  • Assessed your product suitability, income affordability and the insurance coverage that you need.
  • Read and understood the Fact Sheet and Checklist, Policy Illustration, Product Summary, Policy Contract and Product Brochure before committing to the purchase.

If you decide not to purchase a DPI product, you may seek advice from a qualified Prudential Financial Consultant for other products suitable for you.

To purchase or enquire about DIRECT - PRUProtect Term 5, please call our PruCustomer Line at 1800 333 0 333, click here to make an appointment with our Customer Service Officer or visit our Customer Service Centre.

For more information on Direct Purchase Insurance, visit the MoneySENSE website at

Additional Notes

This is only product information provided by us. You should seek advice from a qualified advisor if in doubt.

As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

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 Prudential’s Customer Service Officer. Premiums for the supplementary benefit is not guaranteed and may be adjusted based on future claims experience.

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 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 1st October 2021.

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

We’re here to help

Start your financial planning journey with us today. Our financial consultant will be in touch to assist you.

* All fields are mandatory

Are you a EU resident individual?
By submitting this form, I confirm that I have read, understood and given my consent

Or give us a call: 1800 333 0333