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DIRECT - PRUProtect Term

Introducing DIRECT - PRUProtect Term1 – designed to protect your family based on your protection needs should the unforeseen happen to you.

English Brochure

Chinese Brochure



Premium payment terms to choose from

lump sum payout 

Upon death, Terminal Illness or Total and Permanent Disability2

$50,000 to $400,000 

Sum Assured allowed

Product Details

Product Type


Payment Term

Regular Premium:

  • 20 years or to age 653
Policy Term

Death & Terminal Illness:

  • 20 years term: 20 years
  • Up to age 65: 5 - 46 years

Total & Permanent Disability:

  • 20 years term: 20 years or up to 65 Age Next Birthday, whichever earlier
  • Up to age 65: up to 65 Age Next Birthday
Issuance Age

20 year term:

  • 19 to 65 Age Next Birthday

Up to age 65:

  • 19 to 60 Age Next Birthday 

Minimum Sum Assured:

  • $50,000

Maximum Sum Assured:

  • $400,000
Maturity Benefit

Not Applicable

Death Benefit

100% of sum assured shown on the Certificate of Life Assurance in a lump sum

Total & Permanent Disability Benefit

100% of sum assured for Accelerated Disability Benefit2, 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 Cover4

  • 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 Term1 policy it is attached to
  • DIRECT - Crisis Cover4 terminates once 100% of the sum assured has been paid out
  • DIRECT - PRUProtect Term1 is a regular premium term plan that is available for a term of 20 years or until the age of 653.
  • Provides financial protection against Death, Terminal Illness, and Total and Permanent Disability2
  • Choice to add DIRECT - Crisis Coverfor protection against 30 Critical Illnesses4
  • Offers a payout in the event of Death, Terminal Illness, Total and Permanent Disabilityor Critical Illness4

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 Term1, 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


  1. You may choose to cover from a minimum sum assured of $50,000 and up to $400,000. The minimum entry age is age 19 next birthday.
  2. The plan provides coverage against Total and Permanent Disability provided the condition occurs before its cover expiry date or before the policy anniversary prior to the life assured attaining age 65, whichever is earlier.
  3. For policy term up to age 65 next birthday, premium payment term means the premium is payable up to the last premium due immediately before the policy anniversary prior to the life assured attaining age 65.
  4. DIRECT - Crisis Cover will pay a benefit upon occurrence of any of the 30 Critical Illnesses covered, and before its cover expiry date, or before the policy anniversary prior to the life assured attaining age 65, whichever is earlier. Premium for DIRECT - Crisis Cover benefit is not guaranteed.



As this product has 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.

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 5 November 2020.

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

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Or give us a call: 1800 333 0333