Investments | Comparison Table

Compare among 5
Investment-linked Plans

How do these plans differ?
PRUVantage Assure Series
PRUVantage Wealth III (SGD)
PRUVantage Wealth II (USD)
PRUVantage Prosper
PRUUnited Wealth
Payment term
Payment method
Minimum investment
Currency
Policy term
% of premiums invested
Wealth protection
Monthly income
Bonuses
Capital guarantee
Fund type
Flexibility to do fund switch
Flexibility to do top-ups
Flexibility to appoint secondary policyowner
Flexibility to change the life assured
Flexibility to do withdrawals
Fees
Death coverage
Accidental Disability coverage
Critical Illness coverage
Total Permanent Disability coverage
Payment term
Regular premium of 5, 10, 15, 20 or 25 years or Single premium
Payment method
Cash
Minimum investment
Depending on payment term:
  • S$10,000 p.a. for 5 years
  • S$5,000 p.a. for 10 years
  • S$3,600 p.a. for 15 years
  • S$2,400 p.a. for 20 years
  • S$1,800 p.a. for 25 years
  • S$50,000 for single premium
Currency
SGD
Policy term
Whole of life
% of premiums invested
100% with option to invest in Growth Account and/or Flex Account for Regular premium plan

100% into Initial Investment Account for Single premium plan
Wealth protection
Wealth Assure Value which locks in coverage1 at the peak of your policy value2 for death and accidental disability3.
Monthly income
Optional with investments in dividend paying PRULink funds4
Bonuses
Up to 65% additional units for first 3 years as Welcome Bonus5 and Loyalty Bonuses6
Capital guarantee
No
Fund type
PRULink funds
Flexibility to do fund switch
Yes
Flexibility to do top-ups
Yes
Flexibility to appoint secondary policyowner
No
Flexibility to change the life assured
Yes13
Flexibility to do withdrawals
Yes
Fees
  • Monthly Assurance Charge
  • Monthly Administration Charge for limited years
  • Premium Charge for top-up premium via Investment Booster (Lump Sum)
Death coverage
Yes1, sum assured starts at 103% of total premiums paid and increases by 3% each year14
Accidental Disability coverage
Yes1,3, sum assured starts at 103% of total premiums paid and increases by 3% each year14
Critical Illness coverage
No
Total Permanent Disability coverage
No
Regular premium of 3, 5, 10, 15, 20 years
Cash
Depending on payment term:
  • S$60,000 p.a. for 3 years
  • S$36,000 for 5 years
  • S$24,000 for 10 years
  • S$18,000 for 15 years
  • S$15,000 for 20 years
SGD
Whole of life
3 and 5 years premium terms: 100% into Flex Account

10, 15, and 20 years premium terms: 100% with option to invest in Growth and/or Flex Account
No
Optional with investments in dividend paying PRULink funds4
Up to 75% additional units as Welcome Bonus7 and Loyalty Bonus10 of 0.5% yearly after premium term ends8
No
PRULink funds and PRUPrime CIO Funds
Yes
Yes
Yes
Yes13
Yes
  • Monthly Administration Charge for limited years
  • Premium Charge for top-up premium via Investment Booster (Lump Sum)
Yes15
No
No
No
Regular premium of 5, 10, 15, 20 or 25 years
Cash
Depending on payment term:
  • US$36,000 p.a. for 5 years
  • US$24,000 p.a. for 10 years
  • US$18,000 p.a. for 15 years
  • US$15,000 p.a. for 20 years
  • US$12,000 p.a. for 25 years
USD
Whole of life
100% with option to invest in Growth Account and/or Flex Account
No
Optional with investments in dividend paying PRULink funds4
Up to 95% additional units for first 3 years as Welcome Bonus9 and Loyalty Bonus10 of 0.5% yearly after premium term ends
No
PRULink funds
Yes
Yes
No
Yes13
Yes
  • Monthly Administration Charge for limited years
  • Premium Charge for top-up premium via Investment Booster (Lump Sum)
Yes15
No
No
No
Regular premium of 5, 10, 15, 20 or 25 years
Cash
Depending on payment term:
  • S$/US$36,000 p.a. for 5 years
  • S$/US$24,000 p.a. for 10 years
  • S$/US$18,000 p.a. for 15 years
  • S$/US$15,000 p.a. for 20 years
  • S$/US$12,000 p.a. for 25 years
SGD or USD
Whole of life
100% with option to invest in Growth Account and/or Flex Account
No
Optional with investments in dividend paying PRULink funds4
Up to 95% additional units for first 3 years as Welcome Bonus9 and Loyalty Bonus10 of 0.5% yearly after premium term ends
No
PRULink funds
Yes
Yes
No
Yes13
Yes
  • Monthly Assurance Charge
  • Monthly Administration Charge for limited years
  • Premium Charge for top-up premium via Investment Booster (Lump Sum)
Yes16
No
No
No
Regular premium of 5 or 10 years
Cash
Depending on payment term:
  • S$8,000 p.a. for 5 years
  • S$5,000 p.a. for 10 years
SGD
Whole of life
5 years premium term: 100% into Flex Account

10 years premium term: 100% with option to invest in Growth and/or Flex Account
No
Optional with investments in dividend paying PRULink funds4
Up to 50% additional units as Welcome Bonus11 and Loyalty Bonus12 of up to 0.5% yearly
No
PRULink funds
Yes
Yes
Yes
Yes13
Yes
  • Monthly Assurance Charge
  • Monthly Administration Charge for limited years
  • Premium Charge for top-up premium via Investment Booster (Lump Sum)
Yes17
No
No
No

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Footnotes

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

*PRUVantage Assure Series consist of PRUVantage Assure (SP), a Single Premium plan and PRUVantage Assure II, a Regular Premium plan.

1We pay the highest of:
(a) the Sum Assured;
(b) the Wealth Assure value; or
(c) the account value from the Initial Investment Account (IIA) for Single Premium plan or Growth and/or Flex Account for Regular Premium plan,
plus the account value from the Additional Investment Account, less any outstanding amount payable and withdrawals.

PRUVantage Assure II’s Wealth Assure Value is subject to a maximum of S$20m or 3 times of lifetime premium per policy, whichever is higher.

2Refers to the account value of the Initial Investment Account (IIA) for Single Premium plan or total account value of Growth and/or Flex Account for Regular Premium plan, adjusted for changes in the benefits or partial withdrawals, if any.

3Coverage ends on the policy anniversary before the life assured turns 70.

4Not guaranteed and is based on distribution rate and frequency of the chosen PRULink Fund(s).

5Welcome Bonus varies depending on the selected premium term, account allocation, and annualised premium amount (excluding premiums for supplementary plans and top-ups). The Welcome Bonus reflected is based on the highest percentage awarded for 25 years premium term in Growth Account.

6Based on the latest Initial Investment Account Value for Single Premium plan, or the latest Growth and/or Flex Account Value for Regular Premium plan. Loyalty Bonus percentage and payout frequency varies for Single Premium and Regular Premium plan.

7Welcome Bonus varies depending on the selected premium term, account allocation, and annualised premium amount (excluding premiums for supplementary plans and top-ups). The Welcome Bonus reflected is based on the highest percentage awarded for 20 years premium term in Growth Account for the first 3 years.

8For the 3 years premium term, the Loyalty Bonus is awarded from the 6th policy anniversary.

9Welcome Bonus varies depending on the selected premium term and account allocation. The Welcome Bonus reflected is based on the highest percentage awarded for 25 years premium term in Growth Account.

10Applied on the latest Growth and/or Flex Account Value.

11Welcome Bonus varies depending on the selected premium term, and account allocation, and annualised premium amount (excluding premiums for supplementary plans and top-ups). The Welcome Bonus reflected is based on the highest percentage awarded for 10 years premium term in Growth Account for the first 3 years.

12Loyalty Bonus is based on the latest Growth and/or Flex Account Value and varies depending on the selected premium term. The Loyalty Bonus reflected is based on the percentage awarded for 5 years premium term.

13Only allowed after two years from policy inception. For individual-owned Single Premium plan, only up to 3 times change is allowed. Change of Life Assured is subject to insurable interest with current policyowner(s) and acceptance by Prudential.

14Sum Assured increase does not apply to top-ups made and supplementary benefits. 3% yearly increase is based on simple interest and will stop at 160% of the total premiums paid, adjusted for changes in benefits and partial withdrawals, if any.

15We pay the higher of:
(a) 101% in case of death and 105% in case of accidental death, of total regular premium paid; or
(b) Growth and/or Flex Account Value, where applicable, plus the Additional Investment Account Value, less any outstanding amount payable. Total regular premiums paid excludes top-ups made via Investment Booster (Lump Sum), premiums paid for supplementary benefits (if any), and deducting any withdrawals and dividend payments from Growth and/or Flex Accounts.

16We pay the higher of:
(a) 101% in case of death and 105% in case of accidental death, of total regular premium paid; or
(b) Growth and/or Flex Account Value, where applicable, plus the Additional Investment Account Value, less any outstanding amount payable. Total regular premiums paid excludes top-ups made via Investment Booster (Lump Sum), premiums paid for supplementary benefits (if any), and deducting any withdrawals made from Growth and/or Flex Accounts.

17We pay the higher of:
(a) 110% in case of death and 115% in case of accidental death, of total regular premium paid; or
(b) Growth and/or Flex Account Value, where applicable, plus the Additional Investment Account Value, less any outstanding amount payable. Total regular premiums paid excludes top-ups made via Investment Booster (Lump Sum), premiums paid for supplementary benefits (if any), and deducting any withdrawals made from Growth and/or Flex Accounts.