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PRUGolden Retirement

Maintaining your relationships and well-being is important. Ensure you protect both and make retirement your best years.

What is PRUGolden Retirement?

  • A regular premium retirement plan that provides a regular stream of retirement income and a lump sum upon maturity3
  • Offers choices of premium payment term
  • Provides additional income and premium waiver4 should unforeseen circumstances happen to you
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Key Benefits

Add these extras to enhance your coverage

We strive to make a difference to your life by providing you with suitable insurance plans.



1PRUGolden Retirement provides a stream of Monthly Income which comprises a guaranteed portion (“Guaranteed Monthly Income”) and a non-guaranteed portion. The Monthly Income starts from the Policy Anniversary immediately before the life assured attains the selected retirement age of 60 or 65 years old for a period of 10, 15 or 20 years.

2Medical check-ups or answering health-related questions may be required if the Main Life Assured or policyowner(s) add(s) an optional supplementary benefit; 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 Prudential from time to time.

3At maturity, the lump sum consists of the last Monthly Income and the Maturity Bonus. The Maturity Bonus is a percentage of the Guaranteed Monthly Income and is not guaranteed. The actual benefit payable will vary according to the future performance of the participating fund.

4PRUGolden Retirement provides coverage for disability due to an Accident before the Policy Anniversary before the life assured attains age 70 years old.

5You have the option to appoint your spouse as a Successor Life Assured under the Surviving Spouse Benefit. The Surviving Spouse Benefit is available on a policy that has a husband and wife as joint owners of the policy. This would mean one of the policy owners is the Main Life Assured, and the other policy owner can be appointed as the “Successor Life Assured”. Appointment of Successor Life Assured is subject to acceptance by Prudential.

6Crisis Waiver III waives the future premiums of the covered benefits up to age 85.

7The waiver of premiums will be until the policy anniversary before the stated age

Additional 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 supplementary benefits are not guaranteed and may be adjusted based on future claims experience.

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 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 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 22 August 2019.

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

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