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We can choose to just go through life,
or grow through each milestone.

As fathers, mothers, husbands, wives and children ourselves, we understand what it means to take care of our loved ones, and like you, we are always looking for better ways to live and create meaningful moments. From getting your first job to getting married, to starting a family and beyond, your needs are constantly growing, and we know a typical protection plan is not enough. That’s why we are constantly innovating our products to evolve and adapt to your ever-changing lifestyle, no matter which stage you’re at.

These are the same foundations that we trust to protect our families with, and we want to extend our protection as we walk with you through every milestone – so you and your loved ones can do life to the fullest.

Be rewarded when you plan for your future

Promotion period: 1 October to 31 December 2019

Eligible Protection Plan Minimum Annualised Premium1 (S$) First-year premium discount2
PRUMan 600 10%
PRULady 800 10%
PRUTriple Protect 1,800 10%
PRUActive Term with Crisis Care II 2,5003 10%
PRULife Multiplier Flex 4,000 5%
PRUActive Life (New) 4,000 5%

 

Eligible Retirement Plan4 Minimum Annualised Premium1 (S$) First-year premium discount2
PRUActive Retirement 12,000 5%
PRUGolden Retirement 24,0003 5%
PRUGolden Retirement 5-pay 30,000 5%
PRUGolden Retirement Reward II 30,000 5%

 

Exclusive for Opus and Ascend by Prudential customers

Receive an additional 10%5 off your first-year premium when you purchase any eligible protection plans and qualify for the minimum annualised premium.

Stack-up Reward for Enterprise Business Solution Customers

Get up to $200 worth of gift vouchers on top of the first-year premium discount when you sign up for any eligible plans at WorkPLAYce by Prudential events and qualify for the minimum annualised premium. Refer to Term and Conditions for more details.

 

I’m Interested. Contact me

For more information, speak to your Prudential Financial Consultant. Call us at 1800 333 0333 today.

1The Minimum Annualised Premium is defined as the total premium due in a year for the basic policy and supplementary benefit(s).
2First-year premium discount will be applied on the premium for the basic policy and supplementary benefit(s).
3Applicable for purchases made through Prudential Financial Consultants only.
4Applicable for purchases made between 1 November and 31 December 2019 only.
510% discount is applicable for first-year premium paid on an annual basis only and will be applied on the discounted premium for the basic policy and supplementary benefit(s).

 

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Terms and Conditions of DO Life Promotion (“Promotion”)

A. Promotion Details

  1. Definitions:
    1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
    2. “Promotion Period” means the period between 1 October 2019 and 31 December 2019 (both dates inclusive).
    3. “Eligible Customer” means customers whose proposal for any Eligible Insurance Plan is submitted to and accepted by Prudential during the Promotion Period by satisfying the eligibility criteria below.
    4. “Enterprise Business Solution customers” means Eligible Customer who attended WorkPLAYce by Prudential events and purchase Eligible Insurance Plan.
    5. “Eligible Insurance Plan” means any of the products meeting the criteria as stated in the Promotion Table below.
    6. “Discount” means the percentage discount given to the Eligible Customer based on the Minimum Annualised Premium for Eligible Insurance Plan, as stated in the Promotion Table below.
    7. “Stack-up Reward” means gift vouchers amounting to S$100 or S$200 as stated in the Promotion Table below. The Stack-up Reward is available in the form of gift vouchers from participating merchants such as NTUC FairPrice, Al-Futtaim, Lazada, Redmart, Zalora, Decathlon, Klook & SISTIC. Please note that these merchants are subject to change.
    8. “Promotion Table” means the table below.

      Promotion Table:

      Eligible Insurance Plan Minimum Annualised Premium1 (S$) First-year premium discount2 First-year premium discount for Opus & Ascend by Prudential customers paying annual premiums3 Stack-up Reward4 for
      Enterprise Business Solution customers
      Protection Plan
      PRUMan 600 10% Additional 10% S$100
      PRULady 800 10%
      PRUTriple Protect 1,800 10%
      PRUActive Term with Crisis Care II 2,5005 10%
      PRULife Multiplier Flex 4,000 5% S$200
      PRUActive Life (New)
      Retirement Plan6
      PRUActive Retirement 12,000 5% Not applicable S$100
      PRUGolden Retirement 24,0005
      PRUGolden Retirement 5-pay 30,000
      PRUGolden Retirement Reward II 30,000

      1The Minimum Annualised Premium is defined as the total premium due in a year for the basic policy and supplementary benefit(s).
      2First-year premium discount will be applied on the premium for the basic policy and supplementary benefit(s).
      3Additional 10% discount is applicable for first-year premium paid on an annual basis only and will be applied on the discounted premium for the basic policy and supplementary benefit(s).
      4Stack-up Reward is on top of the first-year premium discount and the additional 10% discount for Opus & Ascend by Prudential customers, if applicable.
      5Applicable for purchases made through Prudential Financial Consultants only.
      6Applicable for purchases made between 1 November and 31 December 2019 only.

  2. Eligibility
    In order to be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements during the Promotion Period in order to receive the Discount (as defined in the Promotion Table);
    1. If the Eligible Customer’s proposal for any Eligible Insurance Plan is submitted to Prudential and accepted by Prudential during the Promotion Period.
    2. This Promotion is valid for all premium payment modes (monthly, quarterly, bi-annual and annual).
    3. Ascend by Prudential and Opus by Prudential customers enjoy an additional 10% off first-year premium for any Eligible Insurance Plan submitted and accepted by Prudential during the Promotion Period. To enjoy the discount, first-year premium of the Eligible Insurance Protection Plan must be paid on an annual basis.

  3. Discount
    1. An Eligible Customer is entitled to receive a Discount in accordance with the Promotion table above.
    2. The Discount in this promotion shall be on a ‘per-policy’ basis (subject to the terms and conditions of this Promotion), there shall be no restrictions on the number of Eligible Insurance Plans an Eligible Customer can purchase.
    3. This Promotion is not applicable should the Eligible Insurance Plan be cancelled within the fourteen (14) day free-look period. The premium amount refunded will be based on the premium amount paid by the Eligible Customer.

  4. Promotion Mechanism
    The Discount will be applied automatically upon policy submission and meeting the eligibility criteria above.

  5. Stack-up Reward
    1. An Enterprise Business Solution customer is entitled to receive a Stack-up Reward in accordance with the Promotion table above.
    2. Each Enterprise Business Solution customer will be entitled to a maximum of one (1) Stack-up Reward per life assured per Eligible Insurance Plan.

  6. Stack-up Reward Redemption
    Prudential will issue a SMS, Email or Mail (“Redemption Notification”) to each Eligible Customer three (3) months after the policy is incepted provided that the Eligible Customer’s Eligible Insurance Plans purchased during the Promotion Period are in force as at the date of the Redemption Notification. Eligible Customers shall be solely responsible for ensuring that they provide Prudential with a valid phone number or email address for the purpose of redemption. The Eligible Customer agrees and accepts that Prudential will not be responsible for any consequences arising from his/her failure to provide Prudential with a true, complete and accurate phone number or email address and/or notify Prudential of any change(s) to his/her phone number and email address. Redemption of Reward will commence three (3) months after the policy is incepted. Reward must be redeemed within two (2) months from the date of Redemption Notification. If an Eligible Customer fails to claim his/her Reward within the stipulated redemption period in the Redemption Notification, his/her Reward will be forfeited, and the Eligible Customer shall not have any claim against Prudential for such forfeiture. Further details of the redemption procedures will be set out in the Redemption Notification.


B. General Terms and Conditions

  1. By participating in the Promotion, each Eligible Customer is deemed to have accepted and agreed to be bound by these terms and conditions contained herein and any other instructions, terms and conditions that Prudential may issue from time to time.

  2. Prudential assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, garbled or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the Promotion.

  3. Prudential has the sole and absolute discretion to exclude any Eligible Customer from participating in the Promotion without any obligation to furnish notice and/or reason.

  4. Prudential reserves the right to disqualify or disregard any Eligible Customer who does not comply with the terms and conditions contained herein.

  5. Prudential may at its discretion forfeit the Discount and/or Stack-up Reward, or, if already awarded, reclaim the Discount and/or Stack-up Reward at the expense of the Eligible Customer without payment, compensation, or having to give any reason whatsoever in the event Prudential subsequently discovers that the Eligible Customer is not eligible to participate in the Promotion and/or to receive the Discount and/or Stack-up Reward.

  6. Stack-up Rewards are subject to availability while stocks last. Prudential reserves the right to replace any Discount and/or Stack-up Reward with items of similar value at any time without prior notice.

  7. Prudential shall not be liable for any loss of, damage to, defects, delay, mis-delivery or non-delivery of the Discount and/or Stack-up Reward.

  8. Prudential reserves the right to deal with any unclaimed Stack-up Reward in any manner it deems fit. Prudential reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customer’s claim to the Discount and/or Stack-up Reward.  Prudential is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point of time.

  9. The Discount and/or Stack-up Reward is not exchangeable for cash, credit or any other items of equivalent value.  The validity period of the Discount and/or Stack-up Reward is non-extendable.  Prudential will be under no obligation to replace or pay to Eligible Customers the value of any Discount and/or Stack-up Reward that are not utilised by the Eligible Customers before the end of the validity period of the Stack-up Reward as may be stipulated by Prudential and/or relevant merchants.

  10. The Promotion is not valid in conjunction with other promotions carried out by Prudential.

  11. By participating in this Promotion, each Eligible Customer agrees and consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of any and all personal data of the Eligible Customer by/to Prudential, advertising and promotional agencies of the Promotion and such other third party, in Prudential’s absolute discretion, consider appropriate or necessary in connection with the Promotion and redemption of Discount and/or Stack-up Reward.

  12. If an Eligible Customer provides Prudential with personal data of any third party, that Eligible Customer hereby:
    1. Agrees on behalf of that third party to be bound by the terms and conditions contained herein; and
    2. Consents on behalf of that third party, to Prudential’s collection, use, disclosure and processing of his/her personal data in accordance with the terms and conditions contained herein.

    The Eligible Customer warrants that he/she has obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by Prudential and that the personal data that the Eligible Customer provides to Prudential is true, accurate and complete.

  13. Prudential shall not be liable for any third party’s misuse of the Eligible Customer’s submitted information and photograph as a result of the Eligible Customer taking part in the Promotion.

  14. Unless prohibited by law, participation in the Promotion constitutes permission for Prudential, its advertising and promotional agencies to use any of the Eligible Customer’s names, and/or likeness for advertising and promotional purposes.  Each Eligible Customer further agrees and acknowledges that the copyright and all other intellectual property rights in and to all photographs or audio-video or other recordings of the Eligible Customer taken or made in connection with the Promotion shall vest solely and absolutely in Prudential without any compensation to the Eligible Customer.

  15. Prudential may at any time at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person, (i) suspend, cancel or terminate the Promotion, or (ii) delete, vary, supplement, amend, modify any one or more of the terms and conditions of the Promotion.  Prudential’s determination of all matters in connection with the Promotion and the Reward shall be final, binding and conclusive.  Prudential is not obliged to give any reason or prior notice on any matter concerning the Promotion or the Discount and/or Stack-up Reward.  No appeal, correspondence or claims will be entertained.  Prudential has the right and discretion to determine whether a party has met the requirements of the Promotion and/or to receive the Discount and/or Stack-up Reward. Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.

  16. By participating in the Promotion, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold Prudential, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by Prudential’s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and client or otherwise on a full indemnity basis whether or not incurred in respect  of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Promotion, acceptance or usage of any Discount and/or Stack-up Reward, and/or any breach or purported breach of these terms and conditions and/or any applicable law.

  17. Prudential makes no warranty or representation as to the quality, merchantability or fitness for purpose of the merchants’ goods and services in respect of the Stack-up Reward.  Any dispute about the same must be resolved directly with the merchant.  Merchant terms and conditions apply.

  18. In the event of any inconsistency or discrepancy between the terms and conditions contained herein and the contents of any brochure, marketing and/or promotional materials relating to the Promotion, the terms and conditions contained herein shall prevail.

  19. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Reward, are the property of their respective owners.  Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.

  20. Failure by Prudential to exercise any of its right or remedy under the terms and conditions contained herein does not constitute a waiver of that right or remedy.

  21. The terms and conditions contained herein shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore.

  22. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Right of Third Parties) Act (Cap 53B) to enforce any of these terms and conditions.
Important 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.

As some of the products have 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. Premiums for some of the products 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 this insurance product in the policy documents that can be obtained from your Prudential Financial Consultant.

The information contained on this website is for distribution 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.

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 at 1 November 2019.

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