Savour Life, Secure its Joy

1. Promotion Details

1. Definitions:
   1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
   2. “Promotion Period” means:
      
      • the period between 1 October 2025 and 30 November 2025 (both dates inclusive) for PRUActive Protect and PRUVantage Assure II.
      • the period between 1 October 2025 and 31 December 2025 (both dates inclusive) for PRUIndex Lifetime Income.
   3. “Inception Period/Issuance Period” means as applicable to each Eligible Insurance Plan:
      
      • For PRUActive Protect, the period between 1 October 2025 and 31 January 2026 (both dates inclusive) (referred to as the “Inception Period”).
      • For PRUVantage Assure II, the period between 1 October 2025 and 30 November 2025 (both dates inclusive) (referred to as the “Inception Period”).
      • for PRUIndex Lifetime Income, the period between 1 October 2025 and 31 December 2025 (both dates inclusive) (referred to as the “Issuance Period”).
   4. “Eligible Customer” means policyholder whose proposal for any Eligible Insurance Plan is submitted to Prudential during the Promotion Period and incepted/issued by Prudential during the Inception Period/Issuance Period having satisfied the eligibility criteria below.
   5. “Eligible Insurance Plan” means any of the products meeting the criteria as stated in the Promotion Table A, B and C below.
   6. “Discount” means the percentage discount given to the Eligible Customer as stated in the Promotion Table A below.
   7. “Campaign Period” means the duration of Promotion Bonus Units allocation to the Eligible Insurance Plan in Promotion Table 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.
   8. “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 Account of the Eligible Insurance Plan for the first policy year as stated in the Promotion Table B and will denote the same meaning as described under Section 4 below.
   9. “Promotional Participation Rate” means the non-guaranteed Index participation rate awarded to eligible policies for segment(s) created in the month between November 2025 and January 2026 (as applicable).
   10. “Segment” means the segment(s) created for the Eligible Insurance Plan. In this Promotion, depending on when the policies are issued, the Promotional Participation Rate will be applied for up to three (3) segments created (as applicable) between November 2025 and January 2026. These segments will mature between November 2026 and January 2027 and the non-guaranteed Monthly Cash Benefit payable during these periods will be based on the Promotional Participation Rate or the prevailing participation rate, whichever is higher.
   11. “Promotion Table” means Promotion Table A, B and C below.

   Promotion Table A

   Eligible Insurance Plan	First-year Premium Discount1
   Protection
   PRUActive Protect	15%

   
   

   Note: Ascend and Opus by Prudential customers and their families will be eligible for an additional 10%² off first-year premium on purchase of PRUActive Protect if they pay premiums on annual mode.

   Promotion Table B

   Eligible Insurance Plan	Premium Term	Minimum Annualised Premium3 (SGD)	Promotion Bonus Units4 (Expressed as a percentage of premium received in the first policy year to Growth Account)
   Investments
   PRUVantage Assure II	10 years	8,000	3.5%
   		15,000	6.5%
   		25,000	10.0%
   	15, 20, 25 years	5,000	10.0%
   		10,000	15.0%
   		15,000	20.0%

   
   
   

   Promotion Table C

   Eligible Insurance Plan	Plan Currency	Index Options	Promotional Participation Rate5
   Insurance Savings
   PRUIndex Lifetime Income	SGD	UBS Multi Asset Strategy Tactical Rotation SGD Hedged Index	80.00%
   		S&P 500®FC TCA 0.50% Decrement Index (SGD) ER	40.00%
   		Shiller Barclays CAPE® Allocator 6 Dynamic Risk Control (SGD) Index	71.00%
   	USD	UBS Multi Asset Strategy Tactical Rotation Index	92.00%
   		S&P 500®FC TCA 0.50% Decrement Index (USD) ER	46.00%
   		Shiller Barclays CAPE® Allocator 6 Dynamic Risk Control Index	83.00%

   
   
2. Eligibility
   

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

   1. The Eligible Customer’s proposal for an Eligible Insurance Plan is submitted to Prudential during the Promotion Period and incepted/issued by Prudential during the Inception Period/Issuance Period.
   2. This Promotion is valid for all premium terms (monthly, quarterly, half-yearly, and annually) as applicable to the Eligible Insurance Plan.
   3. Ascend and Opus by Prudential customers and their family will enjoy an additional 10% off first-year premium for PRUActive Protect in Promotion Table A. To enjoy the discount, the first-year premium of the Eligible Insurance Plan must be paid on an annual basis.
   4. The Discount/Promotion Bonus Units/Promotional Participation Rate is/are not applicable should the Eligible Insurance Plan be Not Taken Up and subsequently reopened, or the Eligible Insurance Plan has lapsed and subsequently reinstated.
   5. 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. Discount
   
   1. An Eligible Customer is entitled to receive the Discount in accordance with Promotion Table A.
   2. The Discount will be applied on the total premiums payable for the basic policy and supplementary benefit(s) (if any), including the additional premiums payable due to substandard loadings for the first policy year only.
   3. The Discount in this Promotion shall be on a ‘per-policy’ basis subject to the Terms and Conditions of this Promotion.
   4. The Discount in 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.
   5. The Discount will be applied automatically at policy issuance upon meeting the eligibility criteria.
4. Promotion Bonus Units Allocation
   
   1. An Eligible Customer is entitled to receive the Promotion Bonus Units in accordance with Promotion Table B above. 
   2. The Promotion Bonus Units in this promotion will not be applicable if: (i) the Eligible Insurance Plan is cancelled within the fourteen (14) day free-look period; (ii) the Eligible Insurance Plan is surrendered or partially withdrawn during the Campaign Period; (iii) 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 (iv) premium payments are not maintained throughout the full premium term. In such cases, the Promotion Bonus Units will be withheld and not paid to the Eligible Customer.
   3. The Promotion Bonus Units will be credited to the Growth Account automatically at policy issuance and upon receipt of the first policy year premiums by Prudential. The allocation to the Growth Account will be in the same account allocation chosen by the Eligible Customer.
   4. Once credited, the Promotion Bonus Units under this Promotion will be added into the Growth account value and will be subject to the terms and conditions of this promotion.
   5. 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), rounded to two decimal points.
   6. 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). 
   7. If there is a subsequent request for fund switch/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).
   8. The Promotion Bonus Units shall be on a ‘per-policy’ basis subject to the Terms and Conditions of this Promotion.
   9. Eligible Customers will be notified via the Statement of Account on the successful crediting of the Promotion Bonus Units to their fund holdings.
   10. Please refer to the detailed Terms and Conditions of the Promotion Bonus Units available on https://www.prudential.com.sg/TnCs/promobonusunits.
5. Promotional Participation Rate
   
   1. The Promotional Participation Rate is the non-guaranteed Index participation rate awarded to eligible policies for the segment(s) created in the month of November 2025 to January 2026 (as applicable).
   2. An Eligible Customer is entitled to receive the Promotional Participation Rate for up to three (3) months/segments in accordance with the Promotion Table above.
   3. The Promotional Participation Rate will be used to compute the potential Monthly Cash Benefits payable on the segment maturity month(s) between November 2026 and January 2027.
   4. The first segment creation date takes place on the 15th of the following month after the policy is issued. The Promotional Participation Rate will serve as the minimum applicable rate from November 2025 and January 2026.
   5. In the event that the prevailing participation rate exceeds the Promotional Participation Rate during this period (November 2025 to January 2026), the higher prevailing participation rate will apply to the relevant months/segments.
   6. The number of months/segments an Eligible Customer will receive the Promotional Participation Rate depends on the month the policy is issued. An eligible policy that is issued in the month of October 2025 will enjoy the Promotional Participation Rate for three (3) months/segments, that is, for segments created in November 2025 to January 2026. Similarly, an eligible policy issued in November 2025 will be awarded the Promotional Participation Rate for two (2) months (December 2025 to January 2026).
   7. Notification of the monthly segment participation rate will be updated on PRUaccess.
   8. The Eligible Customer is entitled to receive the Promotional Participation Rate for every Eligible Insurance Plan so long as it fulfils the criteria set out in the Promotion.
   9. All other product terms will continue to apply for the Eligible Insurance Plan.

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 Discount/Promotion Bonus Units/Promotional Participation Rate, or, if already awarded, reclaim the Discount/Promotion Bonus Units and/or revert to the prevailing participation rate 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/Promotion Bonus Units/Promotional Participation Rate.
6. Prudential reserves the right to replace any Discount/Promotion Bonus Units/Promotional Participation Rate 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 Discount/Promotion Bonus Units/Promotional Participation Rate. 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 Discount/Promotion Bonus Units/Promotional Participation Rate is/are not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Discount/Promotion Bonus Units/Promotional Participation Rate 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 Discount/Promotion Bonus Units/Promotional Participation Rate.
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 Discount/Promotion Bonus Units/Promotional Participation Rate 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/Promotion Bonus Units/Promotional Participation Rate. 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/Promotion Bonus Units/Promotional Participation Rate. 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 Discount/Promotion Bonus Units/Promotional Participation Rate, 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 Discount/Promotion Bonus Units/Promotional Participation Rate, 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.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Before replacing an existing accident and health policy with a new one, you should consider whether the switch is detrimental, as there may be potential disadvantages with switching and the new policy may cost more or have fewer benefits at the same cost.

Premiums are not guaranteed and may be adjusted based on future claims experience.

As PRUActive Protect has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.

PRUVantage Assure II is an Investment-Linked Plan (ILP) which invests 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 1 October 2025.

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