Legacy Planning

PRULife Vantage Achiever Prime Series

A legacy plan that secures the future for your loved ones, PRULife Vantage Achiever Prime Series lets you build lasting success for generations to come.

What is PRULife Vantage Achiever Prime Series?


PRULife Vantage Achiever Prime Series is a participating whole life plan that enables you to have financial security throughout your lifetime and build a legacy for your future generations. It empowers you to create a rich legacy for your loved ones with high coverage for life, while enjoying the life you desire1.

Corporates can also benefit through keyman insurance to ensure business continuity.

Within the product series, you have the choice of policy denominated in SGD or USD, single or regular premium payment term.

Key Benefits

Multiplier Benefit2  extending to age 100
Enjoy higher protection with multiplier benefit until age 85 or 100.
flexible premium and policy terms
Pay at your own pace
Tailor the premium payments to your needs, whether one-time or regular payments across 3 to 30 years. Once fully paid, you have lifelong coverage and your legacy is set3.
policy continuity
Option to change life assured4
Extend your legacy personally and professionally. Change allowed once for individual owned policy and unlimited times for corporate owned policy.
wealth assure
Capital guaranteed for single premium policy
After 20th year and 25th year from policy date for USD and SGD plan respectively.

Supplementary benefits

 

Extra-Features

Accelerated Disability Benefit (ADB)5
  • Should you suffer from total permanent disability (TPD) before age 70, we will pay higher of sum assured for ADB plus non-guaranteed bonuses or Multiplier Benefit, less any amounts owing to us

Crisis Waiver (USD)
  • Waiver of future premiums upon diagnosis of any of the 30 critical illnesses covered6

Crisis Waiver III
  • Waiver of future premiums upon diagnosis of any of the 35 critical illnesses covered7

Useful tools and Information

Check out these quick links
Needs Analysis Calculator
Needs Analysis Calculator
FAQs
FAQs

Important Information

Footnotes

1

Bonuses are not guaranteed and will vary according to the future performance of the participating fund.

2

On death or terminal illness of the life assured

  1. before Multiplier Benefit expiry age 85 or 100, we pay the higher of:

    1. The sum assured for death plus all non-guaranteed bonuses; or

    2. The Multiplier Benefit,

    less any amounts owing to us.

  2. after Multiplier Benefit expiry age 85 or 100, we pay the sum assured for death plus all non-guaranteed bonuses,

    3. less any amounts owing to us.

  3. Multiplier Benefit expiry age 100 option is not applicable to PRULife Vantage Achiever Prime (USD) and PRULife Vantage Achiever Prime II (SGD) Regular Premium.

3

Regular premium payment of 3 to 30 years apply to USD denominated policies. For SGD denominated policies, only a premium paying term of 5 years is applicable. You have the option to terminate early but your coverage would cease and any surrender value payable may be zero or less than the total premiums paid.

4

Change of life assured is only allowed after two years from policy start date for single premium policy and after premium paying term for regular premium policy.

5

Upon payout of Accelerated Disability Benefit, this benefit terminates. Sum assured for death and terminal illness will be reduced accordingly.

6

All future premiums of the basic plan will be waived for the regular premium USD policy.

7

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

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 7 May 2024.

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

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