PROTECT

We understand
you want to enjoy lifelong protection
but with a shorter premium term
PRUlife

limited pay

Being able to enjoy lifelong financial protection is becoming

increasingly important as our life expectancy rises. You can
now have peace of mind knowing that your future will be
protected even when you pay off your premiums earlier.
PRUlife limited pay is a whole of life plan designed to provide
you with the protection you need, and also gives you the
option of paying off your premiums sooner to ease your
financial commitments later in life. Your loved ones will be
provided for in the event of Death, Terminal Illness1, and
Total and Permanent Disability1.
Pay off your premiums earlier
You can choose to pay your premiums within 10, 15 or
25 years, whichever best suits your financial commitments
whether you are looking at increasing your existing coverage
or kick-starting your childs protection plan.
Comprehensive whole of life coverage
PRUlife limited pay covers you against Death, Terminal
Illness1, and Total and Permanent Disability1 during the
policy period with a lump sum payout of the sum assured
plus any accumulated bonuses2. This helps provide you
and your loved ones with peace of mind in the event of
unforeseen life circumstances.

Keep up with lifes changing needs

With changing life stages and priorities, you can now buy
a new plan3 without the need for medical examination at
the most significant events in your life such as marriage,
becoming a parent or adopting a child through legal means.
Enhance your plan for greater coverage
Whilst PRUlife limited pay covers for whole of life protection,
you can ensure that you can get added peace of mind by
including these supplementary benefits:
Comprehensive Personal Accident III, which provides
an additional lump sum in the event of Accidental Death
and Dismemberment. This supplementary benefit also
gives you the option4 to be reimbursed for your medical
expenses incurred as a result of an accident, or receive a
weekly income when you are unable to work in all duties
of your usual occupation due to an accident.
Early Stage Crisis Waiver, which waives the premium
payments for a fixed period5 upon diagnosis of early
or intermediate stage medical conditions, so you can
concentrate on your treatment.
Crisis Waiver III, which waives the remaining premium
payments 6 upon diagnosis of any one of the 35 listed
Critical Illnesses and ensures that your financial plan
remains in place.
Payer Security III safeguards your childs policy in the
event that Death, Critical Illness or Total and Permanent
Disability strikes you. This supplementary benefit covers
the remaining premiums of your childs policy till he or
she turns 25, or till the end of the premium payment
term, whichever is earlier.

How PRUlife limited pay works:

Mr Lee (male, non-smoker), age 35 next birthday, decides
to make premium payments of S$245* per month for 15
years only for his whole of life plan, i.e. he stops paying
premiums by age 50. For the next 15 years, Mr Lee pays
about S$44,115 for a sum assured of S$100,000. His life
coverage will continue even after he stops his premium
payment at age 50 next birthday, and he can look forward
to a cash value of up to S$87,6457 when he reaches age 65
next birthday.
Death Benefit 7
End of
Total
Policy Premiums
NonYear
Paid*
Guaranteed
Total
Guaranteed

Surrender Value 7

Guaranteed

NonGuaranteed

Total

15/
Age 50

S$44,115

S$100,000

S$24,059

S$129,059

S$33,693

S$6,300

S$39,993

20/
Age 55

S$44,115

S$100,000

S$45,100

S$145,100

S$39,240

S$19,290

S$58,530

30/
Age 65

S$44,115

S$100,000

S$69,842

S$169,842

S$51,486

S$36,159

S$87,645

* Premium quoted is based on a non-smoking male, age 35 next birthday

with PRUlife limited pay with premium term of 15 years and a sum assured of
S$100,000, based on annual mode.

Call your Prudential Financial Consultant or our

PruCustomer Line at 1800 333 0333 today, or visit

www.prudential.com.sg

Footnotes:
1. Policy 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.
2. Bonuses are not guaranteed and will vary according to the future
experience of the participating fund.
3. Sum assured of the new policy for each life event can only be up
to a maximum of 25% of the original sum assured or S$150,000,
whichever is lower. The option to purchase a new policy can
only be exercised twice in a lifetime of the Life Assured. And the
maximum additional cover for these two life events can only be up
to a maximum of 50% of the original sum assured of S$300,000,
whichever is lower.
4. Optional benefits of Medical Reimbursement III and Weekly Income III
can be added to Comprehensive Personal Accident III.
5. Upon diagnosis of early or intermediate medical conditions, the
future premiums will be waived for 5 years or 10 years respectively,
or the remaining premium payment term, whichever is shorter. The
maximum premium waiver period under the Early Stage Crisis
Waiver Benefit is 10 years, after which the benefit terminates and
premium payment for the covered benefits will resume.
6. Future premiums are waived up to age 85 or until the end of the
premium payment term, whichever is earlier.
7. The illustrated values use a bonus rate assuming a projected
investment rate of return of 4.75% per annum. As the bonus rates
are not guaranteed, the actual benefits payable will vary according
to the future performance of the participating fund.

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 (if any) may be 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. 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 brochure 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.
In case of discrepancy between the English and Mandarin versions of
this brochure, the English version shall prevail.
Information is correct as at 2 January 2015.

PROTECT
Prudential Assurance Company Singapore (Pte) Limited.
(Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower
Singapore 049712
Tel: 1800 333 0333 Fax: 6734 6953
Part of Prudential plc