Making wealth protection rewarding. | Prudential Singapore

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Making wealth protection rewarding

Secure your wealth and safeguard the future.

Your wealth didn’t happen overnight. You have worked hard to be where you are today. You achieved your success through grit, resilience and a sharp business acumen. Now you enjoy the privilege of your position. But the future is unpredictable, and it is essential to take measures to safeguard your assets and enhance their value for generations to come.

By providing eﬀective wealth management solutions, we can help reduce the impact of market volatility while safeguarding your family’s quality of living. That’s why our life insurance solutions are crucial to your portfolio.

Start protecting your wealth today

Promotion period: 13 March to 30 June 2020

Promotion Table:

Eligible Single Premium Insurance Plan	Minimum Single Premium¹ (SGD/USD)	Single Premium Discount^{^3}
PRULife Vantage Achiever Prime	400,000 1,000,000 2,000,000	0.30% 0.50% 0.80%
PRUWealth II (SGD) and PRUWealth (USD)	350,000 700,000	0.30% 0.50%

Eligible Regular Premium Insurance Plan	Minimum Annualised Premium² (SGD/USD)	First Year Premium Discount^{^4}
PRULife Vantage Achiever Prime	30,000 50,000	2.50% 5.00%

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Terms and Conditions of Making Wealth Protection Rewarding Promotion (“Promotion”)

A. Promotion Details.

Definitions:
1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
2. “Submission Period” means the period between 13 March 2020 and 30 June 2020 (both dates inclusive).
3. “Inception Period” means the period between 13 March 2020 and 31 August 2020 (both dates inclusive).
4. “Eligible Customer” means customers whose proposal for any Eligible Single Premium Insurance Plan and/or Eligible Regular Premium Insurance Plan is submitted to and accepted by Prudential during the Promotion Period by satisfying the eligibility criteria below.
5. “Eligible Single Premium Insurance Plan” means any of the products meeting the criteria as stated in the Promotion Table below.
6. “Eligible Regular Premium Insurance Plan” means any of the products meeting the criteria as stated in the Promotion Table below.
7. “Single Premium Discount” means the percentage discount given to the Eligible Customer based on the Minimum Single Premium for Eligible Single Premium Insurance Plan, as stated in the Promotion Table below.
8. “First Year Premium Discount” means the percentage discount given to the Eligible Customer based on the Minimum Annualised Premium for Eligible Regular Premium Insurance Plan, as stated in the Promotion Table below.
9. “Promotion Table” means the table below.

Eligible Single Premium Insurance Plan	Minimum Single Premium¹ (SGD/USD)	Single Premium Discount^{^3}
PRULife Vantage Achiever Prime	400,000 1,000,000 2,000,000	0.30% 0.50% 0.80%
PRUWealth II (SGD) and PRUWealth (USD)	350,000 700,000	0.30% 0.50%

Eligible Regular Premium Insurance Plan	Minimum Annualised Premium² (SGD/USD)	First Year Premium Discount^{^4}
PRULife Vantage Achiever Prime	30,000 50,000	2.50% 5.00%

Eligibility

To be eligible for the Promotion, the Eligible Customer must 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 Single Premium Insurance Plan and/or Eligible Regular Premium 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, annual and single).
3. Ascend by Prudential and Opus by Prudential customers enjoy an additional 10% off first-year premium for any Eligible Regular Premium Insurance Plan submitted and accepted by Prudential during the Promotion Period. To enjoy the discount, first-year premium of the Eligible Regular Premium Insurance Plan must be paid on an annual basis.
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 Single Premium Insurance Plan and/or Eligible Regular Premium Insurance Plan an Eligible Customer can purchase.
3. This Promotion is not applicable should the Eligible Single Premium Insurance Plan and/or Eligible Regular Premium 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. This Promotion is not applicable should the Eligible Single Premium Insurance Plan and/or Eligible Regular Premium Insurance Plan be Not Taken Up and subsequently reopened.
Promotion Mechanism

The Discount will be applied automatically upon policy submission and meeting the eligibility criteria above.
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.
1. 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.
1. 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.
1. Prudential reserves the right to disqualify or disregard any Eligible Customer who does not comply with the terms and conditions contained herein.
1. Prudential may at its discretion forfeit the Discount, or, if already awarded, reclaim the Discount 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.
1. Prudential reserves the right to replace any Discount with items of similar value at any time without prior notice.
1. Prudential shall not be liable for any loss of, damage to, defects, delay, mis-delivery or non-delivery of the Discount.
1. 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. 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.
1. The Discount is not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Discount is non-extendable. Prudential will be under no obligation to replace or pay to Eligible Customers the value of any Discount.
1. The Promotion is not valid in conjunction with other promotions carried out by Prudential.
1. 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.
1. If an Eligible Customer provides Prudential with personal data of any third party, that Eligible Customer hereby:
a. Agrees on behalf of that third party to be bound by the terms and conditions contained herein; and

b. 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.
1. 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.
1. 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.
1. 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 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 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.
1. 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 Reward, and/or any breach or purported breach of these terms and conditions and/or any applicable law.
1. 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.
1. 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.
1. 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.
1. 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.
1. 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.

^{^} Discount is applicable to cases submitted from now till 30 June 2020 and incepted by 31 August 2020. Other terms and conditions apply.

¹The Minimum Single Premium is defined as a single up-front premium payment to fully pay for the basic policy and supplementary benefit(s).

² The Minimum Annualised Premium is defined as the total premium due in a year for the basic policy and supplementary benefit(s).

³Discount is applicable on Total Single Premium paid and will be applied on the premium for the basic policy and supplementary benefit(s).

⁴Discount is applicable for first-year premium paid and will be applied on the premium for the basic policy and supplementary benefit(s).

⁵Additional 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)

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.

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 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.

These policy is 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 web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 14 May 2020.

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