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Whole Life Plans

Please refer to the Product Summary and Policy Document for details of the terms and conditions.

¹On death or terminal illness of the life assured
(a) before Multiplier Benefit expiry age 85 or 100, we pay the higher of:
     (i) The sum assured for death plus all non-guaranteed bonuses; or
     (ii) The Multiplier Benefit, less any amounts owing to us.
(b) after Multiplier Benefit expiry age 85 or 100, we pay the sum assured for death plus all non-guaranteed bonuses, less any amounts owing to us.
(c) Multiplier Benefit expiry age 100 option is not applicable to PRULife Vantage Achiever Prime (USD) and PRULife Vantage Achiever Prime II (SGD) Regular Premium.

²Crisis Care (PRUActive Life V) is an accelerated Critical Illness Benefit, which provides financial protection upon diagnosis of any one of the 64 Critical Illnesses. Early Crisis Care (PRUActive Life V) is an accelerated benefit which provides financial protection upon diagnosis against pre-critical medical conditions. Early Crisis Care (PRUActive Life V) can only be added to PRUActive Life V if Crisis Care (PRUActive Life V) is added to PRUActive Life V.

³Early Crisis Care and Crisis Care are unit-deducting supplementary benefits which provide lump-sum payouts accelerated from the death coverage upon diagnosis of any one of the covered medical conditions, together offering financial protection against these medical conditions from early stages to the intermediate and critical stages. Early Crisis Care can only be added to PRUActive LinkGuard if Crisis Care is added to PRUActive LinkGuard. Early Crisis Protect and Crisis Protect are unit-deducting supplementary benefits which provide additional lump-sum payouts upon diagnosis of any one of the covered medical conditions, together offering financial protection against these medical conditions from early stages to the intermediate and critical stages. Early Crisis Protect can only be added to PRUActive LinkGuard if Crisis Protect is added to PRUActive LinkGuard. Please note that you can either add Crisis Care or Crisis Protect but not both.

⁴Regular 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.

⁵Multiplier Benefit is applicable only if you choose to have this benefit when you purchase the plan. You may choose Multiplier Benefit factors of 2x, 3x, 4x or 5x and Multiplier Benefit Age of 65, 70, 75 or 80. This will apply to PRUActive Life V and its attached Early Crisis Care and Crisis Care supplementary benefits. Multiplier Benefit for accidental death continues beyond the Multiplier Benefit age with a 10% stepdown each year for 5 years starting from the MB age and then locking in at 50% of its multiplied coverage for life.

⁶Optional to retain the Multiplier Benefit throughout the policy term.

⁷On death or terminal illness of the life assured, before Multiplier Benefit expiry age 85 or 100, we pay the higher of: The sum assured for death plus all non-guaranteed bonuses or The Multiplier Benefit, less any amounts owing to us. Multiplier Benefit is the minimum sum of benefit payout for death and terminal illness before the multiplier expiry age of 85 or 100. Multiplier expiry age of 100 is not applicable for regular premium plans.