Wealth Accumulation | Investment

PRULink FlexGrowth

A single premium investment-linked plan that secures your wealth growth and safeguards it.
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What is PRULink FlexGrowth?


Achieving your dreams gives you purpose and motivation to lead a fulfilling life. Whether your dream is small or big, you must be courageous and take the chance to pursue them even with no promised outcome.

While you hope to stick close to your plans, uncertainties could throw you curveballs that take you off course and impact you and your loved ones’ future. It’s time you proactively plan for your future and secure your finances with a plan you can fall back on while going through life’s ups and downs.

Introducing PRULink FlexGrowth, a single premium investment-linked plan that grows your wealth by locking in 90% of your investment gains1 and protects your wealth from market downside risk with capital guarantee at maturity2. You can now safeguard your hard-earned money and DO life on your terms with confidence and assurance.

Be braver to pursue your dreams when you have PRULink FlexGrowth to be your safety net.

Key Benefits

Lock in 90% of your gains
The Growth Assure feature allows you to benefit from market upside by locking in 90% of your highest investment gains1 daily, at maturity or if death were to occur.
Feel assured when you have the safety net
Capital guaranteed when you hold your policy until maturity2, and death coverage3 throughout the policy term.
Options to accelerate wealth growth
Choice of investing via cash or Supplementary Retirement Scheme (SRS) for a period of either 12 or 15 years4.
Invest exclusively in PRULink FlexGrowth Fund (SGD)
PRULink FlexGrowth will only invest in PRULink FlexGrowth Fund (SGD)5 that aims to achieve capital growth in the mid to long term.

Useful tools and Information

Check out these quick links
PRULink Funds
PRULink Funds
Needs Analysis Calculator
Needs Analysis Calculator
FAQs
FAQs

Important Information

About PRULink funds

PRULink FlexGrowth will only invest exclusively in PRULink FlexGrowth Fund (SGD).

To find out more about PRULink FlexGrowth Fund (SGD), click here.

Footnotes

1

Not applicable to surrender prior to maturity. The Growth Assure Value at the cover start date is equal to the Single Premium paid. After that, it will be worked out daily to be the higher of: (a) the Growth Assure Value amount as of the previous day, or (b) the sum of the Single Premium paid and 90% of the Account Value gain. The investment gain (also known as Account Value gain) is determined by taking the Account Value less the Single Premium paid. This is assuming no partial withdrawal made. When you make a withdrawal, the Growth Assure Value and Sum Assured will be revised and it will also reduce the death benefit.

2

Capital is guaranteed upon maturity only if there is no partial withdrawal made throughout the policy term.

3

Upon death, we pay the highest of: (a) the Sum Assured (101% of the Single Premium paid), or (b) the Growth Assure Value, or (c) the Account Value at the date of death, less any amounts you owe us.

4

The following charges will apply when you purchase PRULink FlexGrowth:

  • Policy administration charge of 2.5%p.a. for 12 year and 2.0%p.a. for 15 year policy term
  • Fund Continuing Investment Charge of 0.5% p.a.
  • Index management fee of 0.42% p.a. (refer to Fund Information Booklet for more details)
  • Fund Total Expense Ratio of between 0.5% - 2.0% p.a.

5

Refer to PRULink FlexGrowth Fund (SGD) Fund Information Booklet for more information about the fund. The fund inherently relies upon leveraging (up to 300%) to control the volatility of the investment strategy.

Important Notes: If the PRULink FlexGrowth Fund (SGD) is terminated under unforeseen circumstances, we will accord the Growth Assure Value accrued up to the point of fund termination, at maturity or upon death. Please refer to the “Termination of the PRULink FlexGrowth Fund (SGD)” clause in the Policy Document for more information.

Important 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.

PRULink FlexGrowth 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 Consultant. 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 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.

In case of discrepancy between the English and Mandarin versions of the product 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 websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as of 12 July 2023.

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

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