PRUActive Retirement II
Wealth Accumulation | Retirement

PRUActive Retirement II

A highly customisable retirement insurance plan to suit your changing needs, PRUActive Retirement II lets you take charge of your retirement years today.

What is PRUActive Retirement II?

A first-of-its-kind highly customisable retirement insurance plan designed to weather market volatility, providing you with a steady cumulative retirement income. Safeguard your wealth in the retirement years and retire the way you envision.

You can choose to use your Supplementary Retirement Scheme (SRS) funds for Single Premium Payment Option.

Supplementary benefits6



Crisis Waiver III
  • Waiver of premiums7 upon diagnosis of any one of the 35 critical illnesses listed

Early Stage Crisis Waiver
  • Waiver of premiums for 5 years upon diagnosis of early stage medical conditions8 and allows a claim for a second time9
  • Waiver of premiums for 10 years10 upon diagnosis of intermediate stage medical conditions

Payer Security Plus
  • Waive the premiums of your spouse’s or child’s policy in the event of your death, total and permanent disability or critical illness
  • This benefit covers you up to the end of the premium term or when you turn 85, whichever is earlier

Important Information


1Subject to the performance of the participating fund. The step-up income is at least the same or more than the previous year.

2Choice of payout age from age 50 to 90.

3Policyowner can change the payout period any time until 2 months before the start of the payout period. The choice of Payout Period is: 10, 15, 20, 25 or 30 years.

4PRUActive Retirement II provides coverage against total and permanent disability of the life assured because of an accident during the term of the policy, or before the policy anniversary prior to the life assured attaining age 70, whichever is earlier.

5Effective only if main life assured passes on after premium payment ends, applicable for joint ownership between husband and wife.

6 For single premium policy, no add-ons of additional benefit will be allowed.

7Crisis Waiver III waives the future premiums of the covered benefits up to age 85.

8After the end of the Early Stage Premium Waiver Period, premium payment for the covered benefits will resume, but the premiums for the Early Stage Crisis Waiver will continue to be waived.

9The second claim will waive the premium for another 5 years. This is provided the second claim is not for the same medical condition as the first claim, and it does not fall within the same category of the first early stage medical condition.

10If there was a successful claim under early stage medical conditions, the Intermediate Stage Medical Conditions Benefit only waives 5 years of future premiums.

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

The information contained 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.

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.

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 of 1 October 2021.

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

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