As of 19th July 2021, we have updated our Privacy Notice which is available at our corporate website -

IMPORTANT NOTICE: From 1 June 2021, our Customer Service Centre at Marina One no longer accepts cash payments and is available for walk-in by appointment only. You can also chat with us over a video call by booking a slot. To make payments, please visit

New LIA Guidelines :Our Singapore-dollar (SGD) denominated Participating policies from 1 July 2021 will show updated illustrated investment rates of return, in accordance with the changes in LIA Guidelines on Policy Illustrations 2021. This change does not affect existing customers with policies submitted before 1 July 2021. For more information, please click here.

IMPORTANT NOTICE: Our Customer Service Centre at Marina One, is currently available by appointment only. Starting 1 Jun 2021, we will no longer accept cash payments. Enrol for payments via DBS/POSB GIRO or Credit Card at For more payment options, click click here.

IMPORTANT NOTICE : For more information on COVID-19 related reliefs please click here.

PRUACCESS: In accordance with PDPC's Advisory Guidelines on the PDPA for NRIC and other National Identification numbers, we will no longer be using NRIC/passport numbers/FIN for login purposes from 1 Aug 2019. If you have yet to create a user ID, please click here.

DIRECT - PRUProtect Life II

We understand you want to provide lifelong protection for you and your family

Introducing DIRECT - PRUProtect Life II1, a participating2 whole life insurance plan that provides financial protection in the event of Death, Terminal Illness, and Total and Permanent Disability3.

English Brochure



whole of life 

Policy term

age 70 or 85 

Choice of Premium Payment term4

lump sum payout 

Upon death, Terminal Illness or Total and Permanent Disability3

Product Details

Product Type

Whole Life

Payment Term

Regular Premium:

  • To 70 Age Next Birthday or 85 Age Next Birthday

Total & Permanent Disability:

  • Up to 65 Age Next Birthday
Policy Term

Death & Terminal Illness:

  • Whole Life

Total & Permanent Disability:

  • Up to 65 Age Next Birthday
Issuance Age

Premium Term Age 70:

  • 19 to 60 Age Next Birthday

Premium Term Age 85:

  • DIRECT-PruProtect Life II & Terminal Illness:
    • 19 to 65 Age Next Birthday
  • Total & Permanent Disability:
    • 19 to 64 Age Next Birthday

Minimum Sum Assured:

  • $50,000

Maximum Sum Assured:

  • $200,000
Maturity Benefit

Not Applicable

Death Benefit

100% of sum assured for death shown on the Certificate of Life Assurance + all bonuses5, less any amounts owing to us.

Total & Permanent Disability Benefit

Before policy anniversary prior to the life assured attaining age 65, 100% of sum assured for Accelerated Disability Benefit + all bonuses5, less any amounts owing to us, in a lump sum up to S$2,000,000.

Cash Benefit

Not Applicable

Critical Illness Benefit

Not Applicable

Accidental Death Benefit

Not Applicable

Enhance Your Coverage

DIRECT - Crisis Cover6

  • 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 Cover6 terminates once 100% of the sum assured has been paid out
  • Provides lifetime financial protection against Death, Terminal Illness, and Total and Permanent Disability3, and premium is guaranteed

  • Choice to add DIRECT - Crisis Cover6 for protection against over 30 Critical Illnesses6
  • Offers a lump sum payout plus accumulated bonuses5 in the event of Death, Terminal Illness, Total and Permanent Disability3 or Critical Illness6
  • Choice of premium payment term of up to age 70 or 85 next birthday4 

Download Direct Purchase Insurance Factsheet & Checklist 

Download Direct Purchase Insurance FAQ


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 II1, 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
View Direct Purchase Insurance Video

*Terms and conditions apply

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 will pay a benefit upon occurrence of any of the 30 Critical Illnesses covered. The premium for DIRECT - Crisis Cover is non-guaranteed.

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.

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 these insurance products in the policy documents that can be obtained from 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 e-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 ( or or

Information is correct as at 1 July 2021.

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

Riders Attachable

DIRECT - Crisis Cover

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Or give us a call: 1800 333 0333