Wealth Accumulation

PRUActive Saver III is a flexible insurance savings plan designed to help you grow your wealth while protecting your capital. Whether you're saving for retirement, your child’s education, or a major life milestone, this plan lets you tailor your savings journey to suit your needs.

• Customise Your Plan’s Premium Payment
  Choose between a single premium or regular premium payment term from 5 to 30 years. You can also use your Supplementary Retirement Scheme (SRS) funds to purchase single premium plans.
• Flexible Policy Term
  Select a policy term from 10 to 30 years, allowing you to decide when you want to receive your maturity payout.
• Lump Sum Payout at Maturity¹
  Receive a lump sum maturity benefit at the end of your policy term, including bonuses (if any), giving you peace of mind with capital guaranteed at maturity.
• Financial Protection Against Death²
  In the event of death, your loved ones will receive a lump sum payout, ensuring they are financially supported.
• Hassle-Free Application³
  No medical examination required—making it easy to start your savings journey.

Footnotes
¹On the maturity date, we pay a maturity benefit in a lump sum. The maturity benefit is a percentage of the face value plus all the bonuses added to the policy, less any amounts owing to us. Bonuses are not guaranteed and depend on the future performance of the participating fund.
²The death benefit payable will be the higher of:
105% of total premiums paid (excluding premiums for supplementary benefits, if any), less any bonus surrendered; or
101% of the surrender value, less any amounts owing to us.
³Medical 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 exceed S$5 million (or equivalent). Selected plans will be reviewed and determined by Prudential from time to time.

An insurance savings plan with yearly cash benefits that gives you the flexibility to meet your current financial needs, while providing the structure to help you save for future milestones. With customizable premium and policy terms, you can personalize your savings journey to suit your lifestyle and goals.

• Flexible Premium and Policy Term
  Choose a premium payment term of 5, 10, 15, 20, or 25 years, and a policy term between 15 to 25 years—tailored to your financial comfort and timeline.
• Yearly Cash Benefit¹
  Receive a guaranteed yearly cash benefit of 3% of the policy’s Face Value starting from the 2nd policy anniversary. You can choose to receive these payouts annually or accumulate them for potentially higher returns.
• Maturity Benefit²
  At the end of your chosen policy term, receive a Maturity Benefit that includes:
  The final yearly cash benefit instalment
  A guaranteed maturity value
  Non-guaranteed bonuses (if any)
  Less any amount owing
• Financial Protection Against Death
  Ensure your loved ones are financially supported in the event of death.
• Hassle-Free Application
  No medical examination required—making it easy to start your savings journey.

Footnotes
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.
²The 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.

An investment linked insurance plan that is designed to protect returns in life’s uncertainties. It helps you grow your wealth while offering the flexibility to access it when needed—so you can pursue aspirations across all stages of life. 

Choose a premium payment term of 5, 10, 15, 20, or 25 years, with a policy term of 99 years.

• Wealth Assured Feature
  Secure maximum coverage with the first-in-market Wealth Assure feature which locks in your coverage¹ in the event of death or accidental disability² at the peak of your policy value³.
• Incremental coverage
  Death and accidental disability² starts at 103% of your total premiums paid and increases by 3% each year⁴.
• Growth Account
  Focus on wealth growth at a faster pace by reaping the rewards of a higher Welcome Bonus, and the option to enable dividend payouts⁵ from year 11⁶.
• Secure Your Wealth
  Pass down your legacy during your lifetime with Wealth Share⁷ feature which allows you to divide your policy into multiple new policies, and assign to your loved ones, facilitating seamless wealth transfer while continuing to grow wealth in new policies.
• Leave your legacy to those you love
  Option to change Life Assured⁸ as many times as you need
• Financial Protection Against Death
  Ensure your loved ones are financially supported in the event of death.
• Hassle-Free Application
  No medical examination required—making it easy to start your savings journey.

Footnotes
¹We pay the highest of: (a) the Sum Assured; (b) the Wealth Assure Value; or (c) the account value from Growth and/or Flex Account, plus the account value from Additional Investment Account, less any outstanding amount payable and withdrawals. Wealth Assure Value is subject to a maximum of S$20m or 3 times of lifetime premium per policy, whichever is higher. 
²Coverage ends on the policy anniversary before the Life Assured turns 70.
³Refers to the total account value of Growth and/or Flex Account, adjusted for changes in the benefits or partial withdrawals, if any.
⁴Sum Assured increase does not apply to top-ups made and supplementary benefits. 3% yearly increase is based on simple interest and will stop at 160% of the total premiums paid, adjusted for changes in benefits and partial withdrawals, if any.
⁵Any dividends distributed in the Growth Account will
automatically be reinvested in the first 10 years. Not guaranteed and is based on distribution rate and frequency of the chosen PRULink Funds.
⁶5 years of paid premiums need to be received for 5 years premium term and 10 years of paid premiums need to be received for all other premium terms.
⁷Only applicable for 130 years from first premium due date of original policy. 
⁸Only allowed after two years from policy inception

PRUWealth Plus (SGD) gives you the confidence to keep pace with your family’s evolving goals. It helps you grow your wealth while offering the flexibility to access it when needed—so you can pursue aspirations across all stages of life.

• Tailor and Grow Your Savings
  Maximise your potential returns¹ with coverage up to age 130². Choose between single or regular premium options of 5, 10, 15, or 20 years. For single premium plans, you can pay using cash or Supplementary Retirement Scheme (SRS) funds.
• Feel Secure No Matter the Circumstance
  Enjoy capital guarantee³ after the 10th year, regardless of market conditions. In times of need:
  • Defer premium payments⁴ for up to 2 years.
  • Receive a retrenchment benefit payout⁵ of up to 50% of your annual premium.
  • Waiver of premiums⁶ for up to 1 year if a loved one passes away.
• Financial Flexibility
  Make withdrawals⁷ to fund life milestones or let your savings grow uninterrupted over time.
• Protect Your Family’s Future
  Your loved ones are protected in the event of death or accidental death. With options such as:
  • Secondary life assured⁸
  • Joint ownership and change of life assured⁹

  You can ensure your savings continue to grow uninterrupted¹⁰ and are transferable to future generations.

• Hassle-Free Application¹¹
  No medical examination required—making it easy to get started.

Footnotes
¹Bonuses are not guaranteed and will vary based on the future performance of the participating fund.
²Policy matures on the policy anniversary just before the original primary life assured turns 130 years old.
³Capital guarantee is after the 10th year for single premium payment term. For regular premium terms:
5 years: after 15th year
10 years: after 18th year
15 years: after 19th year
This applies only if there have been no policy alterations such as partial surrender since inception.
⁴If the surrender value is at least 100% of two years’ current installment premiums, you may defer premium payments for up to 2 years or until the end of the premium payment term, whichever is shorter.
⁵Retrenchment benefit payout is 10% of single premium or 50% of annualised premiums for regular premium terms, subject to a maximum of S$100,000 across all policies owned by the policyholder.
⁶If an immediate family member of the life assured dies before the end of the premium payment term, premiums (including supplementary benefits) are waived for up to 1 year.
⁷Any withdrawal from a PRUWealth Plus (SGD) policy is a partial surrender and must be requested by the customer. Any partial surrender will reduce the long-term value of the policy. If surrendered, the surrender value payable (if any) may be less than the total premiums paid.
⁸Not applicable for single premium policies paid via SRS funds. Appointment of secondary life assured is restricted to immediate family members and subject to acceptance.
⁹Not applicable for single premium policies paid via SRS funds. Change of life assured is subject to insurable interest. For regular premium policies, change is allowed after the premium payment term. For single premium policies paid with cash, change is allowed after 2 years from the cover start date.
¹⁰Upon death of the primary life assured, the policy continues with the secondary life assured. No death benefit is payable. Supplementary benefits terminate. Premium payment and policy term remain unchanged. Not applicable for single premium policies paid via SRS funds.
¹¹Medical check-ups or health-related questions may be required if optional supplementary benefits are added, or if total premiums for selected plans per life assured issued in the past 24 months exceed S$15 million (or equivalent). Selected plans are determined by Prudential.

An insurance savings plan designed to generate additional income streams to have participation with uncapped Index growth1, while being protected from negative returns with a floor rate of 0.0%, and enjoying capital guarantee at maturity in fifteen years.

• Enjoy early income from the 1st month¹ and a potential maturity bonus
  Receive guaranteed Monthly Cash Benefits at 2.3% p.a. from 1st to the 12th month. Plus, a non-guaranteed maturity bonus² at the end of the policy term.
• Flexibility that fits your lifestyle
  Choose between a 5- or 10-year premium payment term and enjoy the option to accumulate your income with an interest rate and switch Indices from the 4th policy year, onwards.
• Financial Protection Against Death
  Ensure your loved ones are financially supported in the event of death.
• Hassle-Free Application
  No medical examination required—making it easy to start your savings journey.

Footnotes
¹Subject to participation rate. The participation rate is not guaranteed, varies across different Indices, and is subject to the performance of the Par Fund. The Monthly Cash Benefit from the 13th month is not guaranteed. 
²Capital is guaranteed upon maturity only if there is no policy alteration made throughout the policy term.

Product terms and conditions apply. Please refer to Product Summary for more information.