Life Protection | Term Life Insurance

PRUActive Term

A unique and flexible protection term insurance plan which lets you take charge of your changing needs.

What is PRUActive Term?


PRUActive Term is a non-participating protection term insurance plan that helps you keep pace with your growth and achievements. It gives you the flexibility of increasing your basic coverage amount annually to keep up with your changing lifestyle.

Supplementary benefits

 

Extra-Features

Crisis Care III
  • Non-Guaranteed premium rates5
  • Customisable premium payment term6 and policy term6
  • Incremental sum assured benefit4
  • Wide coverage of up to 36 critical illness conditions
  • Coverage of up to S$250,000 against selected diabetic complications7

Early Stage Crisis Cover
  • Special benefit8 applies to Angioplasty and Other Invasive Treatment for Coronary Artery and Diabetic Complications.
  • Premium waiver9 benefit on 50% Severity Payout benefit is approved.

Early Stage Crisis Waiver
  • Waives your premiums of the covered benefits for 5 years upon diagnosis of Early Stage Medical Conditions10 and allows a claim for a second time11.
  • Waives your premiums for 10 years12 upon the diagnosis of Intermediate Stage Medical Conditions.

Crisis Waiver III
  • Waiver of premiums upon diagnosis of any one of the 35 Critical Illness listed13

Important information

Footnotes

1Incremental Sum Assured benefit is only applicable to the Death Benefit and starts from the 2nd Policy Year onwards. The sum assured for Death Benefit will automatically increase every year at the rate that was chosen. The premium will also increase annually with each Incremental Sum Assured based on the attained age of the Life Assured.

2The PRUActive Term plan has a minimum sum assured of S$100,000 against death, terminal illness and total and permanent disability. The minimum and maximum entry age for PRUActive Term is age 18 and 75 next birthday respectively.

3PRUActive Term provides coverage against death, terminal illness and total and permanent disability during the policy term. The life assured can only claim either death, terminal illness or total and permanent disability and not all. The total and permanent disability benefit ends on the policy anniversary before the life assured attains age 70.

4Based on age at next birthday.

5The premium for Crisis Care III (PRUActive Term) is not guaranteed during the premium payment period.

6Choice of premium payment term from 10 to 82 years. Choice of benefit duration from 10 to 82 years. Customers can customise Crisis Care III (PAT)’s policy term and premium term. The premium term of Crisis Care III (PAT) can be longer or shorter than PAT’s premium term. However, Crisis Care III (PAT)'s premium term and policy term cannot be longer than PAT’s policy term.

7Please refer to the policy documents for the exact terms and conditions and specific details applicable to this benefit.

8Special Benefit is only payable it the coverage has not been terminated or fully claimed.

9Upon approval of a claim under the 50% Severity Payout benefit, all future premium payments for the Early Stage Crisis Cover Benefit will be waived from the next premium due date following the date of diagnosis of the medical condition. Coverage will continue until the benefit terminates.

10After the end of the Early Stage Premium Waiver Period, premium payment for the covered benefits will resume, but the premiums for the Early Stage Crisis Waiver will continue to be waived.

11The second claim will waive the premium for another 5 years. This is provided the second claim is not for the same Medical Condition as the first claim, and it does not fall within the same category of the first Early Stage Medical Condition.

12If there was a successful claim under Early Stage Medical Conditions, the Intermediate Stage Medical Conditions Benefit only waives 5 years of future premiums.

13After the end of the Early Stage Premium waiver period, premium payment for the covered benefits will resume, but the premiums for the Early Stage Crisis Waiver will continue to be waived.

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.

Premium for Crisis Care III are not guaranteed and will be subjected to repricing.

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.

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 (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as of 1 October 2021.

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

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