Life Protection | Critical Illness

PRUActive Life V

Lifelong promise of protection – strengthened by multiplied coverage and comprehensive critical illness protection.

What is PRUActive Life V?

As your life evolves, so do your responsibilities. From building your career and supporting your family to enjoying your golden years, the need for long term protection remains.

Health uncertainties can arise without warning. When critical illness strikes, it often brings significant financial strain due to high treatment and recovery costs, compounded by potential loss of income.

That is why whole‑of‑life insurance with multiplied coverage and comprehensive critical illness protection matters, offering financial support for your recovery and your family’s long‑term wellbeing.

PRUActive Life V, a lifelong promise for your peak years and protection through every stage of life.

Key Benefits

Protection for life

Permanent protection for Death, Terminal Illness, Total and Permanent Disability.

Extra protection when it matters most

Boost your coverage¹ by up to five times until age 80.

Boosted coverage for accidental death² continues beyond the multiplier benefit age, reducing gradually for 5 years starting from the multiplier benefit age and then locking in at 50% of its multiplied coverage for life.

Comprehensive Critical Illness protection

Strengthen your coverage with Crisis Care³ and Early Crisis Care³, offering protection across 182 conditions.

Crisis Care provides financial support for:

64 severe stage critical illnesses
Intensive Care Unit (ICU) admission of 3 days after a vital organ surgery⁴

Early Crisis Care provides financial support for 91 pre-critical medical conditions and additional payouts for:

16 Juvenile Conditions⁵
7 Special Conditions⁶
4 Mental Illness Conditions⁷

A policy that grows with you

From age 60, you can convert part of the cash value into yearly payouts⁸ over 10 years, giving you a supplementary income stream.

Footnotes

Multiplier 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.

The accidental death must happen within 90 days of the accident, otherwise, we will pay the sum assured for death plus all the bonuses that we have added to the policy less any amounts owing to us.

A payout of the Critical Illness Benefit or the Crisis Care Accelerator Benefit under Crisis Care (PRUActive Life V) and the Pre-Critical Medical Conditions benefit under Early Crisis Care (PRUActive Life V) will reduce the sum assured of the supplementary benefit and the PRUActive Life V policy accordingly. This could result in a termination of the supplementary benefit and the PRUActive Life V policy.

⁴

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.

⁵

Each juvenile medical condition is only payable once. Up to 4 different Juvenile Medical Conditions payable. We pay up to S$250,000 per life and diagnosis must happen below age 18.

⁶

Each special medical condition is only payable once. Up to 3 different Special Medical Conditions payable. We pay up to S$150,000 per life and up to S$25,000 for benign tumour requiring surgical excision. Diagnosis must happen below age 85.

⁷

Payable only for one mental illness condition claim, regardless of the number of mental illness conditions diagnosed. Up to $25,000 per life and claim must happen before age 75.

⁸

The earliest the yearly payout can begin is the policy anniversary just before the life assured turns age 60 and after the end of the premium payment term. The income payout option allows you to receive yearly payouts from the surrender value of the policy over a period of 10 years. As such, this option is like partial surrender. Please note that once you begin receiving the yearly payouts, the sum assured and the long-term value of your policy will be reduced.

Additional Notes

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Representative 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 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 these insurance products in the policy documents that can be obtained from your Prudential Financial Representative.

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 product 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 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 1 April 2026.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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