A unique protection term plan which lets you take charge of your changing needs
Life’s too short to make compromises on your lifestyle. The same holds true when it comes to protecting the ones you love. But as your needs change over time, a regular term plan just won’t do.
PRUActive Term gives you the flexibility of increasing your basic coverage amount annually to keep up with your changing lifestyle. It even provides you the option to pay your premiums in a shorter period, giving you and your family one less thing to worry about.
We strive to make a difference to your life by providing you with the suitable financial insurance plans.
Early Stage Crisis Waiver
Crisis Waiver III
Eligible Insurance Plan
Perpetual Premium Discount1 for All Customers
Additional First-Year Premium Discount exclusively for Ascend and Opus by Prudential Customers Paying Annual Premium2
1Premium discount will be applied on the premium for the basic policy and supplementary benefit(s) until the ‘Last Premium Due’ date. Discount is not applicable for the increased premium that comes with the Incremental Sum Assured Benefit.
2Additional 10% discount is applicable for first-year premium paid on an annual basis only and will be applied on the premium for the basic policy and supplementary benefit(s).
The Discount will be applied automatically upon policy issuance and meeting the eligibility criteria above.
1The PRUActive Term plan has a minimum sum assured of S$100,000 against death, terminal illness and total and permanent disability.
The minimum and maximum entry age for PRUActive Term is age 18 and 75 next birthday respectively.
2PRUActive Term provides coverage against death, terminal illness and total and permanent disability during the policy term. The life assured can only claim either death, terminal illness or total and permanent disability and not all. The total and permanent disability benefit ends on the policy anniversary before the life assured attains age 70.
3Based on age at next birthday.
4 Incremental Sum Assured benefit is only applicable to the Death Benefit and Critical illness Benefit. Incremental Sum Assured benefit starts from the 2nd Policy Year onwards. The sum assured for Death Benefit and Critical illness Benefit will automatically increase every year at the rate that was chosen. The premium will also increase annually with each Incremental Sum Assured based on the attained age of the Life Assured.
5Subject to a minimum sum assured of S$100,000 per application and at least 12 months after the policy cover start date or any reduction of sum assured (if any), with a minimum of six years.
6The premium for Crisis Care II (PRUActive Term) is guaranteed during the premium payment period.
7Choice of premium payment term from 5 to 82 years. Choice of benefit duration from 10 to 82 years. Customers can customise Crisis Care II (PAT)’s policy term and premium term. The premium term of Crisis Care II (PAT) can be longer or shorter than PAT’s premium term. However, Crisis Care II (PAT)'s premium term and policy term cannot be longer than PAT’s policy term.
8Please refer to the policy documents for the exact terms and conditions and specific details applicable to this benefit.
9Special Benefit is only payable it the coverage has not been terminated or fully claimed.
10Upon approval of a claim under the 50% Severity Payout benefit, all future premium payments for the Early Stage Crisis Cover Benefit will be waived from the next premium due date following the date of diagnosis of the medical condition. Coverage will continue until the benefit terminates.
11After the end of the Early Stage Premium Waiver Period, premium payment for the covered benefits will resume, but the premiums for the Early Stage Crisis Waiver will continue to be waived.
12The second claim will waive the premium for another 5 years. This is provided the second claim is not for the same Medical Condition as the first claim, and it does not fall within the same category of the first Early Stage Medical Condition.
13If there was a successful claim under Early Stage Medical Conditions, the Intermediate Stage Medical Conditions Benefit only waives 5 years of future premiums.
14After the end of the Early Stage Premium waiver period, premium payment for the covered benefits will resume, but the premiums for the Early Stage Crisis Waiver will continue to be waived.
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 some of the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.
The information contained 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 this insurance product 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 e-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 policies 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 at 8 October 2020.
This advertisement has not been reviewed by the Monetary Authority of Singapore.