Pruactive Life Iii

Listening. Understanding.
Delivering
PRUActive Life III

Grow your life with
multiplied assurance
We know that life is filled with exciting milestones. As you cross each one, the way you do life evolves and
so should your protection plans.
Designed for your growing needs, PRUActive Life III is a whole-of-life insurance plan that optimises your
coverage while accumulating cash value over time. Flexible and customisable, PRUActive Life III provides
comprehensive protection at every stage, so that you can do life to the fullest.
Key Benefits*
Flexible premium payment term Multiplier Benefit1
Choose your premium payment term Boost your coverage up to 5 times until
between 5 to 35 years to meet your the age of 80 years to cover against
unique needs. Death, Terminal Illness, Total and
Permanent Disability.
Crisis Care (PRUActive Life III)# and
Early Crisis Care (PRUActive Life III)# Family Waiver Benefit4
Optional coverage for Pre-Critical Ease your financial burden in difficult
Medical Conditions (such as Carcinoma times with a premium waiver for up to a
In Situ of any organs2) and Critical period of one year, when an immediate
Medical Conditions; and Crisis Care family member passes on.
Accelerator Benefit which covers
serious illnesses or accidents that affect
Kinship Booster Benefit6
major organs, resulting in admission to
intensive care unit (ICU)3. Additional 10% coverage when your
immediate family member purchases a
PRUActive Life III plan.
Financial support in times of need
Defer your premium payment, interest-
free5 for up to 2 years without disrupting
your coverage.
1
Multiplier Benefit is applicable only if you chose to have this benefit when you purchase the plan. It comes with choice
of 2x, 3x, 4x or 5x and Expiry Age choices of 65, 70, 75 or 80. Multiplier Benefit and the Multiplier Benefit Expiry Age will
apply to PRUActive Life III and its attached Early Crisis Care and Crisis Care supplementary benefit.
2
Subject to terms and conditions under PRUActive Life III and its attached Early Crisis Care supplementary benefit.
3
Applicable only when insured undergoes surgery of any of the vital organs (heart, lung, brain, kidney, liver) as a result of
illness or accident and as a result of the surgery, the insured is admitted to ICU for 3 or more consecutive days. Excluding
surgery due to organ donation. Subject to cap of S$100,000 per life assured. Only 1 claim is payable per policy.
4
Subject to a maximum of 1 claim per policy.
5
This interest-free loan amount needs to be paid back at the end of the premium deferment period, if not, interest on the
loan amount starting from the end of the premium deferment period will be charged.
6
At the month after immediate family member purchases PRUActive Life III policy. Kinship Booster benefit is only applicable
to the basic sum assured (excluding multiplier benefit), does not accumulate any cash value and can only be applied to
the policy on or before age next birthday 55. Subject to cap of S$100,000 per life assured. If the existing life assured has
already made claims from the policy, the Kinship Booster Benefit no longer applies.
#
Refer to Early Crisis Care (PRUActive Life III) and Crisis Care (PRUActive Life III) on our website for more details.
* Terms & Conditions apply. Refer to www.prudential.com.sg/PAL3 for more details.

How PRUActive Life III works
For peace of mind as she pursues a creative career, Suzie purchases a PRUActive Life III plan. She chooses
a 3x Multiplier Benefit until the age of 80, covering S$240,0001 for Death, Terminal Illness (TI), and Total
Permanent Disability (TPD). She supplements her coverage with Crisis Care (CC) covering S$120,0001
for Critical Medical Conditions and Early Crisis Care (ECC) covering S$60,0001 for Pre-Critical Medical
Conditions. She also opts for premium payment term of 20 years, paying an annual premium of S$3,142.
Suzie, 31
Female, Non-Smoker
Age Suzie starts her artistic career

31 She purchases PRUActive Life III that covers S$240,000 for
Death, TI, and TPD, S$120,000 for CC, and S$60,000 for ECC.
Suzie gets married

Her husband, Peter also purchases PRUActive Life III.
33
The Kinship Booster Benefit increases Suzie’s coverage
for Death and TI to S$248,000.
Suzie is diagnosed with a Benign Tumour

After an operation, she spends 2 months in recovery.
46
She receives a Benign Tumour benefit payout of
S$4,000 from Special benefits under ECC.
Suzie stops paying premiums

50
She continues to be protected by PRUActive Life III.
Suzie gets into an unfortunate accident

She punctures her lungs which requires surgery and was
72
admitted into the Intensive Care Unit for 3 days. She receives
a Crisis Care Accelerator Benefit payout of S$60,000 under CC.
Suzie’s Multiplier Benefit expires

She continues to be protected for life with PRUActive Life III,
80
covering S$68,000 for Death, TI and TPD, and S$20,000 for
CC and ECC.
1
Coverage amount is after applying 3x Multiplier Benefit.
For more information, speak to your Prudential Financial Consultant.
Call us at 1800 333 0 333 today.
Important 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, 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 benefits are not guaranteed and may be adjusted based on future claims experience.
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.
This brochure is for distribution 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 this brochure, 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 at 03 October 2023.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Prudential Assurance Company Singapore (Pte) Limited.

(Reg. No. 199002477Z)
7 Straits View
#06-01 Marina One East Tower
Singapore 018936
Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc
www.prudential.com.sg

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Listening. Understanding.

* Terms & Conditions apply. Refer to www.prudential.com.sg/PAL3 for more details.

Age Suzie starts her artistic career

Suzie gets married

Suzie is diagnosed with a Benign Tumour

Suzie stops paying premiums

Suzie gets into an unfortunate accident

Suzie’s Multiplier Benefit expires

Information is correct as at 03 October 2023.

Prudential Assurance Company Singapore (Pte) Limited.

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