What is DIRECT - PRUProtect Life II?
DIRECT - PRUProtect Life II is a whole life insurance plan that provides financial protection.
Provides lifetime financial protection against death, terminal illness, and total and permanent disability3.
DIRECT - Crisis Cover II6
- 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 Life II policy it is attached to
- DIRECT - Crisis Cover II6 terminates once 100% of the sum assured has been paid out
1You may choose to cover from a minimum sum assured of $50,000 and up to $200,000. The minimum entry age is 19 next birthday.
2Participating plan means an insurance plan where the fund from the purchase of the policy is invested in a range of assets according to the insurer’s investment strategy. In addition to the guaranteed benefits provided by the policy, non-guaranteed benefits in the form of bonuses will be added to your policy. For more details, please refer to Your Guide to Participating Policies.
3The plan provides coverage against total and permanent disability, provided the condition occurs before the policy anniversary prior to the life assured attaining age 65.
4Premium term up to age 70 next birthday means the premium is payable up to the last premium due immediately before the policy anniversary prior to the life assured attaining age 70. Premium term up to age 85 next birthday means the premium is payable up to the last premium due immediately before the policy anniversary prior to the life assured attaining age 85.
5Bonuses are not guaranteed and will vary according to the future performance of the participating fund.
6DIRECT - Crisis Cover II will pay a benefit upon occurrence of any of the 30 critical illnesses covered. The premium for DIRECT - Crisis Cover II is non-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 Life II, 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 http://www.moneysense.gov.sg/.
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’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 (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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