Wealth Accumulation | Savings

PRUActive Cash

An insurance savings plan with a yearly cash benefit, PRUActive Cash gives you the flexibility and structure to meet today’s needs, with tomorrow’s dreams in mind.

What is PRUActive Cash?

Managing your finances while saving to fund your future milestones can be hard. However, with the right savings strategy to keep you financially disciplined, you can stay on track.

PRUActive Cash, an insurance savings plan with yearly cash benefit, gives you both flexibility and structure to help you bridge the gap between balancing your anticipated annual financial commitments and achieving your future financial goals. With customisable premium and policy terms, you can personalise your plan to best suit your individual financial needs. It’s time to live up to the standards you’ve set for today, with tomorrow’s dreams in mind.

Supplementary benefits



Crisis Waiver III
  • Waiver of premiums4 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 conditions5 and allows a claim for a second time6.
  • Waiver of premiums for 10 years7 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 disability8 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


1The Yearly Cash Benefit is 3% of the PRUActive Cash policy’s face value. The face value is a notional value used to determine the Yearly Cash Benefit, Bonuses (non-guaranteed), and the Maturity Benefit. It is not the sum assured of the policy.

2 The Maturity Benefit consists of the last instalment of the Yearly Cash Benefit, guaranteed Maturity Value and non-guaranteed Maturity Bonuses (if any), less any amount owing to us.

3The Death Benefit will be the higher of:

  • 105% of total premiums paid up to the time of death (but not premiums for supplementary benefits [if any]) less any bonus surrendered (if any); or
  • 101% of the surrender value,

plus any cash benefit that you have left with us to accumulate with interest, less any amounts owing to us.

4Crisis Waiver III waives the future premiums of the covered benefits up to the end of premium term or age 85, whichever is earlier.

5After 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.

6The 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.

7If there was a successful claim under early stage medical conditions, the Intermediate Stage Medical Conditions Benefit only waives 5 years of future premiums.

8Total and permanent disability coverage is up to the policy anniversary on which the person covered under Payer Security Plus turns 65 years old.

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 the supplementary benefit 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.

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 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 (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as of 1 October 2021.

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

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