PRUUnited Wealth

PRUUnited Wealth allows you to have access to our suite of expert-managed PRULink Funds.

Choose funds aligned to your risk appetite and preferences, and make unlimited fund switches as your risk profile or financial goals change.

To find out more about PRULink Funds, click here.

1. Promotion Details

1. Definitions:
   1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
   2. “Promotion Period” means the period between 5 June 2026 and 30 June 2026 (both dates inclusive).
   3. “Eligible Customer” means policyholder whose proposal for the Eligible Insurance Plan is submitted to and incepted by Prudential during the Promotion Period having satisfied the eligibility criteria below.
   4. “Eligible Insurance Plan” means PRUUnited Wealth that meets the criteria as stated in the Promotion Table below.
   5. “Campaign Period” means the duration of Promotion Bonus Units allocation to the Eligible Insurance Plan in the Promotion Table below. For this promotion, the Promotion Bonus Units will be allocated within the Campaign Period of one (1) year during the first policy year, as long as due premiums are paid.
   6. “Promotion Bonus Units” means a percentage of the premium received for the basic policy that will be utilised to purchase additional units to be added to the Growth and/or Flex Account (where applicable) of the Eligible Insurance Plan for the first policy year as stated in the Promotion Table. For the avoidance of doubt, “Promotion Bonus Units” shall bear the same meaning as described under Section 3 below.
   7. “Promotion Table” means the Promotion Table below.
      
      

      Promotion Table A

      Eligible Insurance Plan	Premium Term	Minimum Annualised Premium# (SGD)	Promotion Bonus Units^ (Expressed as a percentage of premium received in the first policy year)
      			Growth & Flex Account
      PRUUnited Wealth	5 years	8,000	2.0%
      		15,000	3.5%
      		30,000	5.0%
      		50,000	7.0%
      		75,000	10.0%
      	10 years	5,000	4.0%
      		10,000	8.0%
      		20,000	12.5%

      
      
2. Eligibility
   

   To be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements in order to receive the Promotion Bonus Units (as defined in the Promotion Table):

   1. The Eligible Customer’s proposal for an Eligible Insurance Plan is submitted to and incepted by Prudential during the Promotion Period.
   2. This Promotion is valid for all premium payment modes (monthly, quarterly, half-yearly, and annually) as applicable to the Eligible Insurance Plan.
   3. The Promotion Bonus Units are not applicable should the Eligible Insurance Plan be Not Taken Up and subsequently reopened, or the Eligible Insurance Plan has lapsed and subsequently been reinstated.
   4. If the Eligible Customer's proposal for any Eligible Insurance Plan fulfils the criteria of other promotions carried out by Prudential, the promotion with the higher value will be granted to the Eligible Customer (unless otherwise stated).
3. Promotion Bonus Units Allocation
   
   1. An Eligible Customer is entitled to receive the Promotion Bonus Units in accordance with the Promotion Table above. 
   2. The Promotion Bonus Units in this Promotion will not be applicable if:
      
      1. the Eligible Insurance Plan is cancelled within the fourteen (14) day free-look period;
      2. the Eligible Insurance Plan is surrendered or partially withdrawn during the Campaign Period;
      3. a death claim is made under the Eligible Insurance Plan due to suicide or pre-existing conditions within twelve (12) months from the cover start date; or
      4. premium payments are not maintained throughout the full premium term.
      In such cases, the Promotion Bonus Units shall be withheld and shall not be paid to the Eligible Customer.
   3. The Promotion Bonus Units will be credited to the Growth and/or Flex Account (where applicable) automatically at policy issuance and upon receipt of the first policy year premiums by Prudential. The allocation to the Growth and/or Flex Account (where applicable) will be in the same account allocation chosen by the Eligible Customer.
   4. Once credited, the Promotion Bonus Units under this Promotion will be added into the Growth and/or Flex Account value (where applicable) and will be subject to the terms and conditions of this Promotion.
   5. The Promotion Bonus Unit value refers to the dollar value used to compute the Promotion Bonus Units. It is expressed as a percentage of the premium received by Prudential for the basic policy in the first policy year, excluding any premiums paid for supplementary benefits or top-ups via the Investment Booster (Lump Sum), if applicable, rounded to two decimal points.
   6. The Promotion Bonus Unit value is used to compute the number of Promotion Bonus Units based on the fund selection(s) / premium direction and the next working day’s fund unit price(s) (T + 1) from the policy inception date (T).
   7. If there is a subsequent request for fund switch or premium re-direction, the Promotion Bonus Units will be computed based on the next working day’s fund unit price (T + 1) following the fund switch (T) or upon receipt of premium following premium re-direction (T).
   8. The Promotion Bonus Units shall be on a ‘per-policy’ basis subject to the Terms and Conditions of this Promotion.
   9. Customers will be notified via the Statement of Account on the successful crediting of the Promotion Bonus Units to their fund holdings.
   10. Please refer to the detailed Terms and Conditions of the Promotion Bonus Units available on https://www.prudential.com.sg/TnCs/promobonusunits



B. General Terms and Conditions

1. By participating in the Promotion, each Eligible Customer is deemed to have accepted and agreed to be bound by these Terms and Conditions contained herein and any other instructions, terms and conditions that Prudential may issue from time to time.
2. Prudential assumes no responsibility for incomplete, lost, late, damaged, illegible or misdirected forms or email communication, for technical hardware or software failures of any kind, lost or unavailable network connections, or failed incomplete, garbled or delayed electronic transmission which may limit an Eligible Customer’s ability to participate in the Promotion.
3. Prudential has the sole and absolute discretion to exclude any Eligible Customer from participating in the Promotion without any obligation to furnish notice and/or reason.
4. Prudential reserves the right to disqualify or disregard any Eligible Customer who does not comply with the Terms and Conditions.
5. Prudential may at its discretion forfeit the Promotion Bonus Units, or, if already awarded, reclaim the Promotion Bonus Units at the expense of the Eligible Customer without payment, compensation, or having to give any reason whatsoever in the event Prudential subsequently discovers that the Eligible Customer is not eligible to participate in the Promotion and/or to receive the Promotion Bonus Units.
6. Prudential reserves the right to replace any Promotion Bonus Units with items of similar value at any time without prior notice.
7. Prudential reserves the right to request for the Eligible Customers’ proof of eligibility, identity and/or otherwise for the purposes of verifying the Eligible Customer’s claim to the Promotion Bonus Units. Prudential is under no obligation whatsoever to disclose the identity of the Eligible Customers or to publish the same for any reason at any point of time.
8. The Promotion Bonus Units are not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Promotion Bonus Units is non-extendable.
9. The Promotion is not valid in conjunction with other promotions carried out by Prudential.
10. By participating in this Promotion, each Eligible Customer agrees and consents under the Personal Data Protection Act (Cap 26 of 2012) to the collection, use and disclosure of any and all personal data of the Eligible Customer by/to Prudential, advertising and promotional agencies of the Promotion and such other third party, in Prudential’s absolute discretion, consider appropriate or necessary in connection with the Promotion and the Promotion Bonus Units.
11. If an Eligible Customer provides Prudential with personal data of any third party, that Eligible Customer hereby:
    1. Agrees on behalf of that third party to be bound by the Terms and Conditions contained herein; and
    2. Consents on behalf of that third party, to Prudential’s collection, use, disclosure and processing of his/her personal data in accordance with the Terms and Conditions contained herein.

    The Eligible Customer warrants that he/she has obtained the said third party’s prior consent to such collection, use, disclosure and processing of his/her personal data by Prudential and that the personal data that the Eligible Customer provides to Prudential is true, accurate and complete.

12. Prudential shall not be liable for any third party’s misuse of the Eligible Customer’s submitted information and photograph as a result of the Eligible Customer taking part in the Promotion.
13. Unless prohibited by law, participation in the Promotion constitutes permission for Prudential, its advertising and promotional agencies to use any of the Eligible Customer’s names, and/or likeness for advertising and promotional purposes. Each Eligible Customer further agrees and acknowledges that the copyright and all other intellectual property rights in and to all photographs or audio-video or other recordings of the Eligible Customer taken or made in connection with the Promotion shall vest solely and absolutely in Prudential without any compensation to the Eligible Customer.
14. Prudential may at any time at its absolute discretion, without prior notice or assigning any reason thereof or being liable to any person, (i) suspend, cancel or terminate the Promotion, or (ii) delete, vary, supplement, amend, modify any one or more of the terms and conditions of the Promotion. Prudential’s determination of all matters in connection with the Promotion and the Promotion Bonus Units shall be final, binding and conclusive. Prudential is not obliged to give any reason or prior notice on any matter concerning the Promotion or the Promotion Bonus Units. No appeal, correspondence or claims will be entertained. Prudential has the right and discretion to determine whether a party has met the requirements of the Promotion and/or to receive the Promotion Bonus Units. Eligible Customers shall not be entitled to any damages or compensation whatsoever or howsoever arising as a result of such amendment, suspension or termination.
15. By participating in the Promotion, all Eligible Customers agree and undertake to, at all times, indemnify, keep indemnified, and hold Prudential, its employees and agents harmless against all losses (including direct, indirect, incidental and/or consequential losses), damages (including general, special, and/or punitive damages), demands, injuries (other than personal injury caused by Prudential’s negligence), claims, costs, penalties, interest and fees (including all legal fees as between solicitor and client or otherwise on a full indemnity basis whether or not incurred in respect of any real, anticipated, or threatened legal proceedings), howsoever caused by, arising or resulting from, whether directly or indirectly, their participation in the Promotion, acceptance or usage of any Promotion Bonus Units, and/or any breach or purported breach of these terms and conditions and/or any applicable law.
16. In the event of any inconsistency or discrepancy between the Terms and Conditions and the contents of any brochure, marketing and/or promotional materials relating to the Promotion, these Terms and Conditions shall prevail.
17. Any trademarks, graphic symbols, logos or intellectual property contained in any materials used in connection with this Promotion, in particular the Promotion Bonus Units, are the property of their respective owners. Prudential is not affiliated with, or endorsed or sponsored by, such owners and their relevant affiliates.
18. Failure by Prudential to exercise any of its right or remedy under these Terms and Conditions does not constitute a waiver of that right or remedy.
19. The Terms and Conditions shall be governed by Singapore law and the Eligible Customers agree to submit to the exclusive jurisdiction of the courts of Singapore.
20. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Right of Third Parties) Act (Cap 53B) to enforce any of these terms and conditions.

¹Monthly income refers to distributions declared by selected PRULink distribution funds (if any). Distribution amount, rate and frequency are not guaranteed and may change. Distribution options (payout or reinvestment) and eligibility may vary by fund/share class and policy/account.

²Major illnesses refers to cancer, heart attack or stroke.

³Applicable after the minimum contribution period and capped at 50% of the combined Growth Account Value and Flex Account Value.

⁴The original policyowner who pays the policy premium must be retrenched before the last policy anniversary prior to age 65 and remain unemployed for at least 30 consecutive days.

⁵Free withdrawals refers to waiver of partial withdrawal charges under specific situations and policy terms. Partial withdrawal charge is applied for the first 8 policy years for 5 years premium term and the first 10 policy years for 10 years premium term.

⁶Administration charge varies based on chosen premium term and applies for a limited period up to 10 years.

⁷We pay the higher of: (a) 110% in case of accidental death and 115% in case of 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 premiums paid for supplementary benefits (if any), and deducting any withdrawals made.

⁸Crisis Waiver III waives the future premiums of the covered benefits up to the end of premium term or age 85, whichever is earlier.

⁹Only available if Accident Assist is attached to the policy.

^#The Minimum Annualised Premium refers to the total premium payable for the basic policy over a one-year period in the first policy year, excluding any premiums paid for supplementary benefits or top-ups made via Investment Booster (Lump Sum), if applicable.

^{^}Promotion Bonus Units are additional units added to the Growth and/or Flex Account (where applicable) as per the account allocation set at policy inception. They are calculated as a percentage of the premium received for the basic policy in the first policy year, excluding any premiums paid for supplementary benefits or top-ups via the Investment Booster (Lump Sum), if applicable.

PRUUnited Wealth is distributed by United Overseas Bank Limited (“UOB”) and underwritten by Prudential Assurance Company Singapore (Pte) Ltd (Reg. No. 199002477Z) (“Prudential”).

You are recommended to read the product summary and seek advice from a qualified UOB Banker 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.

PRUUnited Wealth is an Investment-Linked Plan (ILP) which invests in ILP sub-fund(s). Investment products are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units and the income accruing to the units (if any) may fall or rise. Past performance is not necessarily indicative of future performance.

If you choose an ILP sub-fund that aims to distribute dividends on a regular basis, please note that the distribution of dividends is at the discretion of the underlying fund’s Board of Directors, Manager and/or Prudential Singapore, and is not guaranteed. The distribution of dividends may be effectively paid out of capital, which will reduce the net asset value of the fund which is used to calculate the fund’s unit price and the surrender value of the policy.

A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your UOB Banker. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s).

Premiums for the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.

The information contain 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 UOB Banker. 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 5 June 2026.

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