Intelligent investment made simple
PruLife Vantage is a unique whole-of-life coverage plan that requires an investment of only one contribution, starting from $100,0001. It is a standalone policy that offers lifelong financial protection against Death and Terminal Illness2.
Gain immediate coverage several times the amount you invest
With PruLife Vantage, your sum assured is a multiple of the amount invested3. The protection value continues to grow each year as bonuses4 kick in. Designed to deliver with guaranteed cash values PruLife Vantage starts to accumulate guaranteed cash values immediately from the time you invest and these will potentially increase with bonuses4. You have a choice of cashing in the bonuses4 accumulated. You may also borrow up to 70% of the policy’s cash values5 in the event of a financial emergency.
Singapore-dollar denominated plan
Denominated in Singapore dollars, you do not have to worry about exposure to fluctuating exchange rates of foreign currencies.
High entry age
You can enjoy insurance coverage and other privileges of PruLife Vantage even if you are already 80 years old6.
Enhance your coverage
To enjoy coverage against Total and Permanent Disability, you can choose to add the Accelerated Disability Benefit8 to your PruLife Vantage plan. Supplement your PruLife Vantage plan with PruDecreasing Term Vantage7, which offers you additional protection against Death and Terminal Illness at an affordable cost. The plan starts with high coverage at a time when you need it most and the sum assured decreases over time to meet your changing needs as your liabilities decrease. PruDecreasing Term Vantage7 is a single premium decreasing term assurance plan that provides death coverage up to 100 age next birthday.
Features that
meet your needs
Leave more than just
your name behind
Today’s investment. Tomorrow’s legacy.
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
About Prudential Assurance Company
Singapore (Pte) Ltd
Prudential Singapore is one of the top insurance companies in Singapore and is a wholly owned
subsidiary of UK-based Prudential plc. As one of the market leaders in investment-linked plans,
Prudential Singapore has over S$5.2 billion funds under management as at 31 December 2008.
Under the dedicated team of approximately 3,500 financial consultants and over 500 employees,
Prudential Singapore has been serving the needs of half a million policy holders with over a
million policies for almost 80 years in Singapore.
A14723 167981 prulife Vantage 8/9/09 9:53 AM Page 1
Composite
Intelligent investment made simple
PruLife Vantage is a unique whole-of-life coverage plan that requires an investment of only one contribution, starting from $100,0001. It is a standalone policy that offers lifelong financial protection against Death and Terminal Illness2.
Gain immediate coverage several times the amount you invest
With PruLife Vantage, your sum assured is a multiple of the amount invested3. The protection value continues to grow each year as bonuses4 kick in. Designed to deliver with guaranteed cash values PruLife Vantage starts to accumulate guaranteed cash values immediately from the time you invest and these will potentially increase with bonuses4. You have a choice of cashing in the bonuses4 accumulated. You may also borrow up to 70% of the policy’s cash values5 in the event of a financial emergency.
Singapore-dollar denominated plan
Denominated in Singapore dollars, you do not have to worry about exposure to fluctuating exchange rates of foreign currencies.
High entry age
You can enjoy insurance coverage and other privileges of PruLife Vantage even if you are already 80 years old6.
Enhance your coverage
To enjoy coverage against Total and Permanent Disability, you can choose to add the Accelerated Disability Benefit8 to your PruLife Vantage plan. Supplement your PruLife Vantage plan with PruDecreasing Term Vantage7, which offers you additional protection against Death and Terminal Illness at an affordable cost. The plan starts with high coverage at a time when you need it most and the sum assured decreases over time to meet your changing needs as your liabilities decrease. PruDecreasing Term Vantage7 is a single premium decreasing term assurance plan that provides death coverage up to 100 age next birthday.
Features that
meet your needs
Leave more than just
your name behind
Today’s investment. Tomorrow’s legacy.
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
About Prudential Assurance Company
Singapore (Pte) Ltd
Prudential Singapore is one of the top insurance companies in Singapore and is a wholly owned
subsidiary of UK-based Prudential plc. As one of the market leaders in investment-linked plans,
Prudential Singapore has over S$5.2 billion funds under management as at 31 December 2008.
Under the dedicated team of approximately 3,500 financial consultants and over 500 employees,
Prudential Singapore has been serving the needs of half a million policy holders with over a
million policies for almost 80 years in Singapore.
PruLife Vantage explained
Creating an immediate legacy for your loved ones
Mr Tan (male, non-smoker), age 40 next birthday, wishes to ensure his daughter’s well-being when he passes on. He takes up a PruLife Vantage plan with Accelerated Disability Benefit with a single premium of $200,000 and gets covered against Death, Terminal Illness2 and Total and Permanent Disability8 for a sum assured of $530,926.
For more coverage, Mr Tan can add on PruDecreasing Term Vantage7 with Accelerated Disability Benefit, 40-year term9, with a single premium of $153,315. With PruLife Vantage and PruDecreasing Term Vantage7, he enjoys a total sum assured of as high as 5 times the total premium invested.
James can look forward to cash values of up to $120,060 when he reaches age 35 next birthday to start-up a business or plan for future investments, or up to $556,859 when he starts planning for his retirement at age 65 next birthday. Depending on his needs and preferences, James may choose to continue the policy and leave an inheritance for his next generation.
Extended exclusively to you
With PruLife Vantage, you can:
• Preserve your wealth for future generations
• Cater to the need for large insurance coverage
• Enjoy comprehensive lifetime protection against Death, Terminal Illness2 or Total and Permanent Disability8 with a one-time premium payment
• Enjoy increasing protection/coverage from growing bonuses4
• Ensure guaranteed cash values
• Add on PruDecreasing Term Vantage7 to increase coverage at an affordable cost
Should something unexpected happen to Mr Tan, his daughter will receive the total protection value inclusive of all bonuses4 in a lump sum.
Providing a gift for your immediate family members
Mrs Lim decides to purchase a basic whole life insurance plan as a gift for her son, James (male, non-smoker), age 10 next birthday. She purchases a PruLife Vantage plan with Accelerated Disability Benefit insuring James with a single premium of $50,000. With this single amount invested by Mrs Lim, James enjoys lifetime insurance coverage against Death, Terminal Illness2 and Total and Permanent Disability8 for a sum assured of $314,703 without having to worry about future premium payment.
7
Caring for your future generations
As you continue to attain success, it is essential to safeguard your wealth and its transition for future generations, so your loved ones will not be thrown into a difficult situation, should any unfortunate event arise.
Preserve your wealth
Without prudent and intelligent planning, your wealth could do more harm than good to your family in the unfortunate event of your passing. Wealth preservation is essential and critical to the elimination of unnecessary hardship for your loved ones. PruLife Vantage can help you achieve these goals so you can embrace your golden years with total peace of mind.
All it takes is a one-time contribution.
You have arrived at a place where few
ever reach. After the long journey to
success, you want to enjoy the lifestyle
you’ve strived so hard for, yet ensure that
your loved ones are well taken care of.
This is where the PruVantage Portfolio of
products comes in.
The PruVantage Portfolio is a suite of wealth management products catered specifically to address the special needs of affluent and successful individuals, like you.
We are pleased to bring you PruLife Vantage, one of the products under the PruVantage Portfolio, a tool that could help you preserve a legacy for many generations to come. It provides lifetime coverage with a one-time investment of capital.
Contact your Prudential Financial Consultant today! Call our PruCustomer Line at 1800-333 0 333 or email us at customer.service@prudential.com.sg. Alternatively, you can visit our website at www.prudential.com.sg
PruLife Vantage is a plan offered by Prudential Assurance Company Singapore (Pte) Ltd (“Prudential Singapore”) under the 6th series.
1 This is a standalone, single premium whole of life plan with a minimum premium amount of S$100,000 for a life assured of age 18 to 80 next birthday. Where the life assured is age 1 to 17 next birthday, the minimum single premium is $35,000, subject to a maximum sum assured limit of $500,000 per life and financial underwriting. 2 Policy provides coverage against Terminal Illness (“TI”) during the term of the policy, and before the anniversary
of the policy on which the life assured will attain the age 65 next birthday.
3 Sum assured will be a multiple of the single premium invested depending on age next birthday at entry, gender, smoking status and nationality/country of residence of the life assured.
4 Bonuses are not guaranteed and will vary according to the future experience of the participating fund. 5 For Policy Loan, a non-guaranteed interest rate currently at 6.0% p.a. will be charged. This facility is available
upon payment of premium.
6 The minimum and maximum entry age for PruLife Vantage is age 1 to 80 next birthday respectively. The minimum and maximum entry age for Terminal Illness coverage under PruLife Vantage is age 1 to 64 next birthday respectively.
7 This is a single premium decreasing term supplementary benefit to PruLife Vantage. The sum assured reduces annually. For this supplementary benefit, the minimum single premium is $2,000. The minimum and maximum entry age for PruDecreasing Term Vantage is age 1 to 75 next birthday respectively. The minimum and maximum entry age for Terminal Illness and Total and Permanent Disability coverage under PruDecreasing Term Vantage with Accelerated Disability Benefit is age 1 to 64 next birthday respectively.
8 The minimum and maximum entry age for Accelerated Disability Benefit is age 1 to 64 next birthday respectively. The life assured cannot claim for both TI & Total and Permanent Disability. Accelerated Disability Benefit provides coverage against Total and Permanent Disability during the term of the policy, and before the anniversary of the policy with the life assured will attain age 65 next birthday.
9 The policy term for the PruDecreasing Term Vantage is subject to the maximum expiry age of 100 next birthday. Please refer to the Policy Document for exact terms and conditions of this plan.
10 The illustrated values use bonus rates assuming a projected investment rate of return of 5.25% p.a.. As the bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating funds.
11 Sum assured multiple is calculated by dividing sum assured over single premium. Note:
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
This brochure is for reference only, and is not a contract of insurance. Please refer to the exact terms and conditions and specific details applicable to this insurance in the Product Summary and Policy Document that can be obtained from your Financial Consultant.
In case of discrepancy between the English and Mandarin version of this brochure, the English version shall prevail. Information is correct as at 17 August 2009.
10 10
11
10 10
A14723 167981 prulife Vantage 8/9/09 9:53 AM Page 2
Composite
PruLife Vantage explained
Creating an immediate legacy for your loved ones
Mr Tan (male, non-smoker), age 40 next birthday, wishes to ensure his daughter’s well-being when he passes on. He takes up a PruLife Vantage plan with Accelerated Disability Benefit with a single premium of $200,000 and gets covered against Death, Terminal Illness2 and Total and Permanent Disability8 for a sum assured of $530,926.
For more coverage, Mr Tan can add on PruDecreasing Term Vantage7 with Accelerated Disability Benefit, 40-year term9, with a single premium of $153,315. With PruLife Vantage and PruDecreasing Term Vantage7, he enjoys a total sum assured of as high as 5 times the total premium invested.
James can look forward to cash values of up to $120,060 when he reaches age 35 next birthday to start-up a business or plan for future investments, or up to $556,859 when he starts planning for his retirement at age 65 next birthday. Depending on his needs and preferences, James may choose to continue the policy and leave an inheritance for his next generation.
Extended exclusively to you
With PruLife Vantage, you can:
• Preserve your wealth for future generations
• Cater to the need for large insurance coverage
• Enjoy comprehensive lifetime protection against Death, Terminal Illness2 or Total and Permanent Disability8 with a one-time premium payment
• Enjoy increasing protection/coverage from growing bonuses4
• Ensure guaranteed cash values
• Add on PruDecreasing Term Vantage7 to increase coverage at an affordable cost
Should something unexpected happen to Mr Tan, his daughter will receive the total protection value inclusive of all bonuses4 in a lump sum.
Providing a gift for your immediate family members
Mrs Lim decides to purchase a basic whole life insurance plan as a gift for her son, James (male, non-smoker), age 10 next birthday. She purchases a PruLife Vantage plan with Accelerated Disability Benefit insuring James with a single premium of $50,000. With this single amount invested by Mrs Lim, James enjoys lifetime insurance coverage against Death, Terminal Illness2 and Total and Permanent Disability8 for a sum assured of $314,703 without having to worry about future premium payment.
7
Caring for your future generations
As you continue to attain success, it is essential to safeguard your wealth and its transition for future generations, so your loved ones will not be thrown into a difficult situation, should any unfortunate event arise.
Preserve your wealth
Without prudent and intelligent planning, your wealth could do more harm than good to your family in the unfortunate event of your passing. Wealth preservation is essential and critical to the elimination of unnecessary hardship for your loved ones. PruLife Vantage can help you achieve these goals so you can embrace your golden years with total peace of mind.
All it takes is a one-time contribution.
You have arrived at a place where few
ever reach. After the long journey to
success, you want to enjoy the lifestyle
you’ve strived so hard for, yet ensure that
your loved ones are well taken care of.
This is where the PruVantage Portfolio of
products comes in.
The PruVantage Portfolio is a suite of wealth management products catered specifically to address the special needs of affluent and successful individuals, like you.
We are pleased to bring you PruLife Vantage, one of the products under the PruVantage Portfolio, a tool that could help you preserve a legacy for many generations to come. It provides lifetime coverage with a one-time investment of capital.
Contact your Prudential Financial Consultant today! Call our PruCustomer Line at 1800-333 0 333 or email us at customer.service@prudential.com.sg. Alternatively, you can visit our website at www.prudential.com.sg
PruLife Vantage is a plan offered by Prudential Assurance Company Singapore (Pte) Ltd (“Prudential Singapore”) under the 6th series.
1 This is a standalone, single premium whole of life plan with a minimum premium amount of S$100,000 for a life assured of age 18 to 80 next birthday. Where the life assured is age 1 to 17 next birthday, the minimum single premium is $35,000, subject to a maximum sum assured limit of $500,000 per life and financial underwriting. 2 Policy provides coverage against Terminal Illness (“TI”) during the term of the policy, and before the anniversary
of the policy on which the life assured will attain the age 65 next birthday.
3 Sum assured will be a multiple of the single premium invested depending on age next birthday at entry, gender, smoking status and nationality/country of residence of the life assured.
4 Bonuses are not guaranteed and will vary according to the future experience of the participating fund. 5 For Policy Loan, a non-guaranteed interest rate currently at 6.0% p.a. will be charged. This facility is available
upon payment of premium.
6 The minimum and maximum entry age for PruLife Vantage is age 1 to 80 next birthday respectively. The minimum and maximum entry age for Terminal Illness coverage under PruLife Vantage is age 1 to 64 next birthday respectively.
7 This is a single premium decreasing term supplementary benefit to PruLife Vantage. The sum assured reduces annually. For this supplementary benefit, the minimum single premium is $2,000. The minimum and maximum entry age for PruDecreasing Term Vantage is age 1 to 75 next birthday respectively. The minimum and maximum entry age for Terminal Illness and Total and Permanent Disability coverage under PruDecreasing Term Vantage with Accelerated Disability Benefit is age 1 to 64 next birthday respectively.
8 The minimum and maximum entry age for Accelerated Disability Benefit is age 1 to 64 next birthday respectively. The life assured cannot claim for both TI & Total and Permanent Disability. Accelerated Disability Benefit provides coverage against Total and Permanent Disability during the term of the policy, and before the anniversary of the policy with the life assured will attain age 65 next birthday.
9 The policy term for the PruDecreasing Term Vantage is subject to the maximum expiry age of 100 next birthday. Please refer to the Policy Document for exact terms and conditions of this plan.
10 The illustrated values use bonus rates assuming a projected investment rate of return of 5.25% p.a.. As the bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating funds.
11 Sum assured multiple is calculated by dividing sum assured over single premium. Note:
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
This brochure is for reference only, and is not a contract of insurance. Please refer to the exact terms and conditions and specific details applicable to this insurance in the Product Summary and Policy Document that can be obtained from your Financial Consultant.
In case of discrepancy between the English and Mandarin version of this brochure, the English version shall prevail. Information is correct as at 17 August 2009.
10 10
11
10 10
PruLife Vantage explained
Creating an immediate legacy for your loved ones
Mr Tan (male, non-smoker), age 40 next birthday, wishes to ensure his daughter’s well-being when he passes on. He takes up a PruLife Vantage plan with Accelerated Disability Benefit with a single premium of $200,000 and gets covered against Death, Terminal Illness2 and Total and Permanent Disability8 for a sum assured of $530,926.
For more coverage, Mr Tan can add on PruDecreasing Term Vantage7 with Accelerated Disability Benefit, 40-year term9, with a single premium of $153,315. With PruLife Vantage and PruDecreasing Term Vantage7, he enjoys a total sum assured of as high as 5 times the total premium invested.
James can look forward to cash values of up to $120,060 when he reaches age 35 next birthday to start-up a business or plan for future investments, or up to $556,859 when he starts planning for his retirement at age 65 next birthday. Depending on his needs and preferences, James may choose to continue the policy and leave an inheritance for his next generation.
Extended exclusively to you
With PruLife Vantage, you can:
• Preserve your wealth for future generations
• Cater to the need for large insurance coverage
• Enjoy comprehensive lifetime protection against Death, Terminal Illness2 or Total and Permanent Disability8 with a one-time premium payment
• Enjoy increasing protection/coverage from growing bonuses4
• Ensure guaranteed cash values
• Add on PruDecreasing Term Vantage7 to increase coverage at an affordable cost
Should something unexpected happen to Mr Tan, his daughter will receive the total protection value inclusive of all bonuses4 in a lump sum.
Providing a gift for your immediate family members
Mrs Lim decides to purchase a basic whole life insurance plan as a gift for her son, James (male, non-smoker), age 10 next birthday. She purchases a PruLife Vantage plan with Accelerated Disability Benefit insuring James with a single premium of $50,000. With this single amount invested by Mrs Lim, James enjoys lifetime insurance coverage against Death, Terminal Illness2 and Total and Permanent Disability8 for a sum assured of $314,703 without having to worry about future premium payment.
7
Caring for your future generations
As you continue to attain success, it is essential to safeguard your wealth and its transition for future generations, so your loved ones will not be thrown into a difficult situation, should any unfortunate event arise.
Preserve your wealth
Without prudent and intelligent planning, your wealth could do more harm than good to your family in the unfortunate event of your passing. Wealth preservation is essential and critical to the elimination of unnecessary hardship for your loved ones. PruLife Vantage can help you achieve these goals so you can embrace your golden years with total peace of mind.
All it takes is a one-time contribution.
You have arrived at a place where few
ever reach. After the long journey to
success, you want to enjoy the lifestyle
you’ve strived so hard for, yet ensure that
your loved ones are well taken care of.
This is where the PruVantage Portfolio of
products comes in.
The PruVantage Portfolio is a suite of wealth management products catered specifically to address the special needs of affluent and successful individuals, like you.
We are pleased to bring you PruLife Vantage, one of the products under the PruVantage Portfolio, a tool that could help you preserve a legacy for many generations to come. It provides lifetime coverage with a one-time investment of capital.
Contact your Prudential Financial Consultant today! Call our PruCustomer Line at 1800-333 0 333 or email us at customer.service@prudential.com.sg. Alternatively, you can visit our website at www.prudential.com.sg
PruLife Vantage is a plan offered by Prudential Assurance Company Singapore (Pte) Ltd (“Prudential Singapore”) under the 6th series.
1 This is a standalone, single premium whole of life plan with a minimum premium amount of S$100,000 for a life assured of age 18 to 80 next birthday. Where the life assured is age 1 to 17 next birthday, the minimum single premium is $35,000, subject to a maximum sum assured limit of $500,000 per life and financial underwriting. 2 Policy provides coverage against Terminal Illness (“TI”) during the term of the policy, and before the anniversary
of the policy on which the life assured will attain the age 65 next birthday.
3 Sum assured will be a multiple of the single premium invested depending on age next birthday at entry, gender, smoking status and nationality/country of residence of the life assured.
4 Bonuses are not guaranteed and will vary according to the future experience of the participating fund. 5 For Policy Loan, a non-guaranteed interest rate currently at 6.0% p.a. will be charged. This facility is available
upon payment of premium.
6 The minimum and maximum entry age for PruLife Vantage is age 1 to 80 next birthday respectively. The minimum and maximum entry age for Terminal Illness coverage under PruLife Vantage is age 1 to 64 next birthday respectively.
7 This is a single premium decreasing term supplementary benefit to PruLife Vantage. The sum assured reduces annually. For this supplementary benefit, the minimum single premium is $2,000. The minimum and maximum entry age for PruDecreasing Term Vantage is age 1 to 75 next birthday respectively. The minimum and maximum entry age for Terminal Illness and Total and Permanent Disability coverage under PruDecreasing Term Vantage with Accelerated Disability Benefit is age 1 to 64 next birthday respectively.
8 The minimum and maximum entry age for Accelerated Disability Benefit is age 1 to 64 next birthday respectively. The life assured cannot claim for both TI & Total and Permanent Disability. Accelerated Disability Benefit provides coverage against Total and Permanent Disability during the term of the policy, and before the anniversary of the policy with the life assured will attain age 65 next birthday.
9 The policy term for the PruDecreasing Term Vantage is subject to the maximum expiry age of 100 next birthday. Please refer to the Policy Document for exact terms and conditions of this plan.
10 The illustrated values use bonus rates assuming a projected investment rate of return of 5.25% p.a.. As the bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating funds.
11 Sum assured multiple is calculated by dividing sum assured over single premium. Note:
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
This brochure is for reference only, and is not a contract of insurance. Please refer to the exact terms and conditions and specific details applicable to this insurance in the Product Summary and Policy Document that can be obtained from your Financial Consultant.
In case of discrepancy between the English and Mandarin version of this brochure, the English version shall prevail. Information is correct as at 17 August 2009.
10 10
11
10 10
A14723 167981 prulife Vantage 8/9/09 9:53 AM Page 1
Composite
Intelligent investment made simple
PruLife Vantage is a unique whole-of-life coverage plan that requires an investment of only one contribution, starting from $100,0001. It is a standalone policy that offers lifelong financial protection against Death and Terminal Illness2.
Gain immediate coverage several times the amount you invest
With PruLife Vantage, your sum assured is a multiple of the amount invested3. The protection value continues to grow each year as bonuses4 kick in. Designed to deliver with guaranteed cash values PruLife Vantage starts to accumulate guaranteed cash values immediately from the time you invest and these will potentially increase with bonuses4. You have a choice of cashing in the bonuses4 accumulated. You may also borrow up to 70% of the policy’s cash values5 in the event of a financial emergency.
Singapore-dollar denominated plan
Denominated in Singapore dollars, you do not have to worry about exposure to fluctuating exchange rates of foreign currencies.
High entry age
You can enjoy insurance coverage and other privileges of PruLife Vantage even if you are already 80 years old6.
Enhance your coverage
To enjoy coverage against Total and Permanent Disability, you can choose to add the Accelerated Disability Benefit8 to your PruLife Vantage plan. Supplement your PruLife Vantage plan with PruDecreasing Term Vantage7, which offers you additional protection against Death and Terminal Illness at an affordable cost. The plan starts with high coverage at a time when you need it most and the sum assured decreases over time to meet your changing needs as your liabilities decrease. PruDecreasing Term Vantage7 is a single premium decreasing term assurance plan that provides death coverage up to 100 age next birthday.
Features that
meet your needs
Leave more than just
your name behind
Today’s investment. Tomorrow’s legacy.
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
