Anda di halaman 1dari 8

We understand you need exibility in coverage for different stages of life.

PRUlink

PROTECT

protection plus account

Claudia Yip Photographer, 2011

Claudia Yip Proud Mother, 2021

PRUlink protection plus account is a plan designed to provide you with comprehensive life protection with the exibility to adjust protection needs as your priorities and nancial goals change with every new life stage education, employment, marriage, parenthood and retirement yet gives you full control of your investments which potentially help you to reap investment returns. With changing medical needs, you may also require more comprehensive critical illness coverage. PRUlink protection plus account also offers you the option of comprehensive critical illness coverage against early stages of cancers through Early Crisis Cover Provider1 and critical illness under Crisis Cover Provider III2. Protection against the unforeseen Offering coverage against Death, Terminal Illness3, Total and Permanent Disability3 and Critical Illness1,2, you can ensure that your loved ones will be looked after, should the unexpected happen. Coverage that you can adjust to changing needs Your PRUlink protection plus account policy is designed to give you as much freedom and reassurance as you need by providing coverage of up to 150 times 4 the annual premium and the choice to vary your sum assured5 at any point. Towards the retirement years of your life, when investment opportunities become a priority, you can redirect your premiums to investments by reducing your Death, Terminal Illness3, Total and Permanent Disability3 coverage to zero6, while maintaining and continuing the coverage for Critical Illness1,2.

One premium multiple coverage Use your unit allocation to better enhance your coverage with Early Crisis Cover Provider1 and Crisis Cover Provider III2. You can add on the Early Crisis Cover Provider1 supplementary benet which offers coverage for a comprehensive suite of early stage cancers and critical illnesses. Once a successful claim is made - future assurance charges for this supplementary benet will be waived7. In addition, it is the rst policy of its kind to cover selected diabetic complications 8.

More ways to reach nancial goals We understand your desire to reach nancial goals, and PRUlink protection plus account gives you the option of maximising your units allocation for investments so you can potentially reach your nancial goals sooner. 1. By paying for your premiums annually 2. Increasing your premium contribution 3. Enjoy a full allocation of your premiums paid to purchase units from the 4th year of your policy 4. Furthermore get up to 107% unit allocation from the 10th policy year9

How PRUlink protection plus account can help you

Your money works even harder than you do Your PRUlink protection plus account allows you to play a more active role in managing your funds in these ways: 1. You can have the exibility of managing and switching your funds at no extra charge10 according to your changing investment needs. Choose from a range of professionally managed funds. 2. Enjoy potentially higher investment growth with the optional Enhanced Accumulator Option (EAO) 11,12. EAO gives you the option to channel 100%13 of your premiums to unit allocation by a one-time lump sum top up11 to your account or through a regular premium contribution12.

Protect yourself today!

Call your Prudential Financial Consultant or our PruCustomer line at 1800 333 0333.

www.prudential.com.sg

Footnotes: 1 The full list of benets covered under Early Crisis Cover Provider and their denitions can be found in the product summary that can be obtained from your Prudential Financial Consultant. The maximum claimable benet combined under the 50% Severity and 100% Severity cannot exceed 100% of the sum assured. For certain medical conditions, there is a waiting period of 90 days from the date issue or reinstatement, whichever is later. The assurance charges for Early Crisis Cover Provider are not guaranteed. 2 For Crisis Cover Provider III, the sum assured will only be paid in a lump sum to the life assured upon diagnosis of any of the 30 critical illnesses listed in the product summary. The full list of the 30 critical illnesses can be found in the product summary that can be obtained from your Prudential Financial Consultant. The assurance charges for Crisis Cover Provider III are not guaranteed. 3 PRUlink protection plus account provides coverage against Terminal Illness and Total and Permanent Disability during the term of the policy, and before the anniversary of the policy on which the life assured will attain the age of 65. The life assured cannot claim for both Terminal Illness and Total and Permanent Disability. 4 Applicable for age 30, male non-smoker and annual premium amount of $1,200. 5 Subject to underwriting and the life assured must be under age 60. Subject to the minimum or maximum sum assured permitted at the time of change. 6 To exercise the option to reduce your sum assured to zero, the life assured must have reached age 55 or 10 years from the Cover Start Date of the policy or 10 years from the last increase in regular premiums, whichever is later. 7 Once a successful claim is made under 50% Severity Payout benet, future assurance charges for the supplementary benet will be waived.

8 There is a waiting period of 90 days from the Cover Start Date or date of reinstatement, whichever is later. No benet will be payable for events occurring before or within this waiting period or the survival period of 30 days from the date of diagnosis. For special benet, we will only pay provided the policy is not terminated or fully claimed. 9 We reserve the right to change the premium allocation rates of your basic regular premium for policy year 10 and onwards. 10 We reserve the right to levy an administration charge but will not do so before giving you 30 days written notice. 11 For EAO (Lump sum), there is a net sales charge. The non-guaranteed administration charge is currently zero. 12 For EAO (Regular), there is a non-guaranteed administration charge. The non-guaranteed administration charge is currently $50. 13 We reserve the right to change the premium allocation rates relating to such new premiums.

Note: Buying a life insurance policy is a long-term commitment. An early


termination of the policy usually involves high cost and the surrender value (if any) payable may be less than the total premiums paid. Investments are subject to investment risks including the possible loss of the principal amount invested. You are recommended to seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs. This information contained in this brochure is for reference only and not a contract of insurance. The exact terms and conditions, specific details and exclusions applicable to this insurance product are stated in the policy documents that can be obtained from a Prudential Financial Consultant. This information contained in this brochure is not required to be reviewed or endorsed by the Monetary Authority of Singapore. Information correct as at 16 August 2012.

Prudential Assurance Company Singapore (Pte) Limited. (Reg. No. 199002477Z) 30 Cecil Street #30-01 Prudential Tower Singapore 049712 Tel: 1800 333 0 333 Fax: 6734 6953 Part of Prudential plc