1Medical check-ups or answering health-related questions may be required if an optional supplementary benefit is added; or if the total committed premiums for selected plans per life assured issued in the past 24 months exceeds S$5 million (or equivalent). Selected plans will be reviewed and determined by Prudential from time to time.
2On the maturity date we pay a maturity benefit in a lump sum. The maturity benefit is the Face Value plus all the bonuses that we have added to the policy, less any amounts owing to us in connection with your policy. The bonuses are not guaranteed.
3The Death benefit payable will be the higher of:
(1) 105% of the total premiums paid up to time of death (but not premiums for supplementary benefits [if any]) less any bonus surrendered; or
(2) 101% of the surrender value.
less any amounts owing to us.
4Crisis Waiver III waives the future premiums of the covered benefits up to age 85.
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.
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.
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 this brochure, the English version shall prevail.
Information is correct as at 6 September 2018.
This advertisement has not been reviewed by the Monetary Authority of Singapore.