PRUVantage Prosper

PRUVantage Prosper 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.

¹Any dividends distributed in the Growth Account will automatically be reinvested in the first 10 years. For Flex Account, customer can choose to receive dividend payouts from day 1. Not guaranteed and is based on distribution rate and frequency of the chosen PRULink Funds.

²Lump sum payout of 105% in case of accidental death and 101% in case of death. Total premiums paid excludes premiums paid for supplementary benefits (if any), and deducting any withdrawals made.

³Refers to Growth and/or Flex Account Value.

⁴5 years of paid premiums need to be received for 5 years premium term and 10 years of paid premiums need to be received for all other premium terms.

⁵Varies based on chosen premium term and account allocation. The Welcome Bonus reflected is based on the highest percentage awarded for 25 years premium term in Growth Account.

⁶Applied on the latest Growth and/or Flex Account Value.

⁷A one-time 3% premium charge applies.

⁸Only applicable for 130 years from first premium due date of original policy.

⁹Applies only to immediate family members with insurable interest.

¹⁰Only allowed after two years from policy inception.

¹¹Crisis Waiver III waives the future premiums of the covered benefits up to the end of premium term or age 85, whichever is earlier.

¹²Total and permanent disability coverage is up to the policy anniversary on which the person covered under Payer Security Plus turns 65 years old.

¹³This benefit waives all future premiums up to the end of the premium payment term.

¹⁴The death, total and permanent disability and critical illness waiver coverage will expire before the policy anniversary before the person covered under Payer Security (USD) turns 60 years old, or the life assured turns 25 years old, or to the end of the premium payment term of the main policy, whichever event happens first. The waiver of premiums will be until the policy anniversary before the stated age.

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.

PRUVantage Prosper 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 Prudential Financial Representative. 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 Prudential Financial Representative. 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 3 June 2025.

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