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PRULifetime Income Premier (USD)

How do you save for your children, and your grandchildren?

You work hard to provide the best for your children today. But what about their future? What about yours? Everyone needs protection against the uncertainties of tomorrow. Now you can support your children’s needs, plan a comfortable retirement, and leave a lasting legacy. PRULifetime Income Premier (USD) is a single premium insurance savings plan that helps you meet your retirement goals and enables you to transfer your wealth across generations.


English Brochure

Chinese Brochure



Start as early as the 2nd policy anniversary


Enjoy Yearly Cash Benefit1 for as long as the life assured lives


Benefits up to 3 generations


No medical underwriting^^

Product Details

Product Type

Whole life

Payment Term

Single Premium

Policy Term

Whole of Life

Accidental Disability:

  • Up to 70 Age Next Birthday
Issuance Age

1 to 70 Age Next Birthday

Accidental Disability:

  • 1 to 64 Age Next Birthday

Minimum Single Premium:

  • US$250,000
Maturity Benefit

Not Applicable

Death Benefit

Upon Death of the Life Assured, we pay the higher of:

  1. 105% of Single Premium; or
  2. 101% of the surrender value as at the time of death;

plus any accumulated Cash Benefit , less any amounts owing to us.

Total & Permanent Disability Benefit

Accidental Disability

If the life assured becomes Disabled because of an Accident before age 70, we pay the higher of:

  1. 105% of Single Premium; or
  2. 101% of the surrender value as at the date the life assured was certified to be Disabled due to an Accident;

plus any accumulated Cash Benefit, less any amounts owing to us.

Cash Benefit

The Yearly Cash Benefit1 is made up of guaranteed and non-guaranteed portion. It is a percentage of the Single Premium.

Critical Illness Benefit

Not Applicable

Accidental Death Benefit

Not Applicable

Enhance Your Coverage

Not Applicable


1  The Cash Benefit is made up of a guaranteed and non-guaranteed portion which will be paid out from the 5th and 2nd policy anniversary, respectively. The non-guaranteed Cash Benefit is illustrated investment rate of return 5.25% p.a. for the participating fund. It is not guaranteed and the actual benefits payable will vary according to the future performance of the participating fund.

2  The Death Benefit will be the higher of 105% of the single premium or 101% of the Surrender value as at the time of death, plus any cash benefit left with Prudential, less any amounts owed to Prudential.

* At 3.75% p.a. illustrated investment rate of return, the cash benefit at age 52, 55, and 71 are US$9,000, US$26,500 and US$31,500 respectively. David will receive a total Cash Benefit of US$923,500 during his lifetime and his family will receive an inheritance of US$1,090,800 when he passes on at age 85. The total benefits received is US$2,014,300.

^ At 3.75% p.a. illustrated investment rate of return, the cash benefit at age 42 and 45 are US$9,000 and US$26,500 respectively. At age 61, David transfers the policy to his child, Brian, before his 21st birthday. Brian receives a yearly Cash Benefit of US$31,500 for life. David will receive a total Cash Benefit of US$451,000 while Brian will receive a total Cash Benefit of US$2,016,000. David’s grandchild will receive an inheritance of US$2,646,200 when Brian passes on at age 85. The total benefits received is US$5,113,200.

^^ Medical check-ups or answering health-related questions may be required if an optional supplementary benefit is added, or if the total premiums for selected plans per life assured issued in the past 24 months exceed S$5 million (or equivalent). Selected plans will be reviewed and determined by us from time to time.



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.

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 this insurance product in the policy documents that can be obtained from your Prudential Financial Consultant. Foreign currency policies (e.g. USD) are subject to foreign exchange risk.

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.

This 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 ( or or

Information is correct as at 22 August 2019.

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

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