Invest with Smart Moves II

1. Promotion Details

1. Definitions:
   1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
   2. “Promotion Period” means :
      
      • the period between 1 June 2026 and 30 June 2026 (both dates inclusive) for PRUVantage Assure II.
      • the period between 3 June 2026 and 30 June 2026 (both dates inclusive) for PRUVantage Wealth III.
   3. “Eligible Customer” means policyholder whose proposal for any Eligible Insurance Plan is submitted to and incepted by Prudential during the Promotion Period having satisfied the eligibility criteria below.
   4. “Eligible Insurance Plan” means any of the products meeting the criteria as stated in the Promotion Table A and B below.
   5. “Campaign Period” means the duration of Promotion Bonus Units allocation to the Eligible Insurance Plan in the Promotion Table A and B below. For this promotion, the Promotion Bonus Units will be allocated within the Campaign Period of one (1) year during the first policy year, as long as due premiums are paid.
   6. “Promotion Bonus Units” means a percentage of the premium received for the basic policy that will be utilised to purchase additional units to be added to the Growth and/or Flex Account (where applicable) of the Eligible Insurance Plan for the first policy year, as stated in the Promotion Table A and B.
      For PRUVantage Wealth III, only premium allocated to PRUPrime CIO Funds shall qualify for Promotion Bonus Units, where such funds are available for selection at policy inception, as set out in Promotion Table B. Premium allocated to other funds under the Eligible Insurance Plan (“Other Funds”) shall not qualify for Promotion Bonus Units.
      For the avoidance of doubt, “Promotion Bonus Units” shall bear the same meaning as described under Section 3 below.
   7. “PRUPrime CIO Funds” means the investment funds under the PRUPrime CIO Fund Series offered under the Eligible Insurance Plan, namely the PRUPrime CIO Conservative Fund (Accumulation), PRUPrime CIO Balanced Fund (Accumulation), and PRUPrime CIO Growth Fund (Accumulation).
   8. “Promotion Table” means the Promotion Table A and B below.
      
      

      Promotion Table A

      Eligible Insurance Plan	Premium Term	Minimum Annualised Premium1 (SGD)	Promotion Bonus Units2 (Expressed as a percentage of premiums received in the first policy year)
      			Growth Account	Flex Account
      PRUVantage Assure II	5 years	40,000	5.0%	1.5%
      		100,000	8.0%	2.0%
      	10 years	8,000	5.0%	2.0%
      		15,000	8.0%	4.0%
      		25,000	15.0%	6.5%
      	15 years	5,000	10.0%	2.0%
      		10,000	15.0%	5.0%
      		15,000	25.0%	10.0%
      	20 and 25 years	5,000	4.0%	-
      		10,000	5.5%	-
      		15,000	7.0%	-

      
      

      Promotion Table B

      Eligible Insurance Plan	Premium Term	Minimum Annualised Premium1 (SGD)	Promotion Bonus Units2 Exclusive to PRUPrime CIO Funds (Expressed as a percentage of premiums received during the first policy year)
      PRUVantage Wealth III	3 years	60,000	4.0%
      		100,000	6.0%
      	5 years	36,000	5.0%
      		60,000	7.0%
      	10 years	24,000	5.0%
      		50,000	7.0%
      		100,000	10.0%
      	15 years	18,000	6.0%
      		36,000	9.0%
      		80,000	12.0%
      	20 years	15,000	6.0%
      		30,000	9.0%
      		50,000	12.0%

2. Eligibility
   

   To be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements in order to receive the Promotion Bonus Units (as defined in Promotion Table A and B):

   1. The Eligible Customer’s proposal for an Eligible Insurance Plan is submitted to and incepted by Prudential during the Promotion Period.
   2. This Promotion is valid for all premium payment modes (monthly, quarterly, half-yearly, and annually) as applicable to the Eligible Insurance Plan.
   3. The Promotion Bonus Units are not applicable should the Eligible Insurance Plan be Not Taken Up and subsequently reopened, or the Eligible Insurance Plan has lapsed and subsequently been reinstated.
   4. If the Eligible Customer's proposal for any Eligible Insurance Plan fulfils the criteria of other promotions carried out by Prudential, the promotion with the higher value will be granted to the Eligible Customer (unless otherwise stated).
3. Promotion Bonus Units Allocation
   
   1. An Eligible Customer is entitled to receive the Promotion Bonus Units in accordance with Promotion Table A and B above. 
   2. The Promotion Bonus Units in this Promotion will not be applicable if:
      
      1. the Eligible Insurance Plan is cancelled within the fourteen (14) day free-look period;
      2. the Eligible Insurance Plan is surrendered or partially withdrawn during the Campaign Period;
      3. a death claim is made under the Eligible Insurance Plan due to suicide or pre-existing conditions within twelve (12) months from the cover start date; or
      4. premium payments are not maintained throughout the full premium term.
      In such cases, the Promotion Bonus Units shall be withheld and shall not be paid to the Eligible Customer.
   3. The Promotion Bonus Units will be added to the Growth and/or Flex Account (where applicable) automatically at policy issuance and upon receipt of the first policy year premiums by Prudential. The allocation to the Growth and/or Flex Account (where applicable) will be in the same account allocation chosen by the Eligible Customer, subject to the eligibility criteria set out in Clause 3(d), where applicable.
   4. For PRUVantage Wealth III, only premium allocated to PRUPrime CIO Funds shall qualify for Promotion Bonus Units, where such funds are available for selection at policy inception. For the avoidance of doubt, at policy inception, PRUPrime CIO Funds are available for selection under the Growth Account for all premium terms, and under the Flex Account for 3-year and 5-year premium terms only. Any subsequent fund switch from Other Funds to PRUPrime CIO Funds shall not entitle the Eligible Customer to any Promotion Bonus Units.
   5. Once credited, the Promotion Bonus Units under this Promotion will be added into the Growth and/or Flex Account value (where applicable). Thereafter, the Promotion Bonus Units shall form part of the Eligible Insurance Plan and shall be subject to the terms and conditions of the policy contract issued in respect of such Eligible Insurance Plan, in addition to these Terms and Conditions.
   6. The Promotion Bonus Unit value refers to the dollar value used to compute the Promotion Bonus Units. It is expressed as a percentage of the premium received by Prudential for the basic policy in the first policy year, excluding any premiums paid for supplementary benefits or top-ups via the Investment Booster (Lump Sum), if applicable, rounded to two decimal points.
   7. The Promotion Bonus Unit value is used to compute the number of Promotion Bonus Units based on the fund selection(s) / premium direction and the next working day’s fund unit price(s) (T + 1) from the policy inception date (T). 
   8. If there is a subsequent request for fund switch or premium re-direction, the Promotion Bonus Units will be computed based on the next working day’s fund unit price (T + 1) following the fund switch (T) or upon receipt of premium following premium re-direction (T).
   9. For PRUVantage Wealth III only, where a fund switch from PRUPrime CIO Funds to Other Funds is made on or before Day 180 from policy inception, a clawback penalty may apply only to the extent that such fund switch results in the utilisation of the Promotion Bonus Units referred to in Clause 3(d), and any such clawback shall be determined by reference to the amount switched from PRUPrime CIO Funds to Other Funds, to the extent attributable to such utilised Promotion Bonus Units.
   10. Prudential shall not be liable to give effect to any clawback where operational, administrative or system limitations prevent such clawback from being implemented, and the absence or delay of any such clawback shall not constitute a waiver of Prudential’s rights under these Terms and Conditions.
   11. Prudential’s determination in relation to whether, and to the extent that, any Promotion Bonus Units have been utilised for the purpose of any clawback, and the extent of any such clawback, shall be final and binding on the Eligible Customer, in the absence of manifest error.
   12. For the avoidance of doubt, no clawback penalty shall apply:
       1. where the fund switch does not result in the utilisation of any Promotion Bonus Units referred to in Clause 3(d);
       2. to any fund switch from PRUPrime CIO Funds to Other Funds made from Day 181 onwards; or
       3. at any time, to fund switches between PRUPrime CIO Funds, between Other Funds, or from Other Funds to PRUPrime CIO Funds.
   13. The Promotion Bonus Units shall be on a ‘per-policy’ basis subject to the Terms and Conditions of this Promotion.
   14. Eligible Customers will be notified via the Statement of Account on the successful crediting of the Promotion Bonus Units to their fund holdings.
   15. Please refer to the detailed Terms and Conditions of the Promotion Bonus Units available on https://www.prudential.com.sg/TnCs/promobonusunits



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.
5. Prudential may at its discretion forfeit the Promotion Bonus Units, or, if already awarded, reclaim the Promotion Bonus Units 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 Promotion Bonus Units.
6. Prudential reserves the right to replace any Promotion Bonus Units with items of similar value at any time without prior notice.
7. 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 Promotion Bonus Units. 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.
8. The Promotion Bonus Units are not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Promotion Bonus Units is non-extendable.
9. The Promotion is not valid in conjunction with other promotions carried out by Prudential.
10. 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 the Promotion Bonus Units.
11. 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.

12. 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.
13. 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.
14. 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 Promotion Bonus Units 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 Promotion Bonus Units. 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 Promotion Bonus Units. Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.
15. 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 Promotion Bonus Units, and/or any breach or purported breach of these terms and conditions and/or any applicable law.
16. In the event of any inconsistency or discrepancy between the Terms and Conditions and the contents of any brochure, marketing and/or promotional materials relating to the Promotion, these Terms and Conditions shall prevail.
17. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Promotion Bonus Units, are the property of their respective owners. Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.
18. Failure by Prudential to exercise any of its right or remedy under these Terms and Conditions does not constitute a waiver of that right or remedy.
19. The Terms and Conditions shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore.
20. 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.

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Representative for a financial analysis before purchasing an insurance 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.

PRUVantage Assure II and PRUVantage Wealth III are Investment-Linked Plans (ILP) which invest in ILP sub-fund(s). Investment products are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units and the income accruing to the units (if any) may fall or rise. Past performance is not necessarily indicative of future performance.

A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your Prudential Financial Representative. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s).

The information contained herein 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 your Prudential Financial Representative.

The information contained herein 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 policy 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 websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

The information presented cannot be reproduced, amended or circulated in whole or in part to any other person without our prior written consent.

Information is correct as of 2 June 2026.

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