PRUIndex Income Boost

¹Calculated based on 2.3% p.a., apply the face value and the applicable factor to derive the actual guaranteed monthly cash benefit amount.

²Subject to participation rate. The participation rate is not guaranteed, varies across different Indices, and is subject to the performance of the Par Fund. The Monthly Cash Benefit from the 13^th month is not guaranteed.

³Capital is guaranteed upon maturity only if there is no policy alteration made throughout the policy term.

⁴Customer can only select one Index at any point, with 100% allocation to it. Index Redirection is allowed from 4^th policy year onwards, provided policy is in-force and premiums are paid to date. It will only take effect from the segment creation of the following month, upon completion of Index Redirection application.

⁵Interest rate is not guaranteed for accumulated cash benefit and is subject to change at Prudential’s discretion.

⁶Crisis Waiver III waives the future premiums of the covered benefits up to the end of premium term or age 85, whichever is earlier.

⁷Total and permanent disability coverage is up to the policy anniversary on which the person covered under Payer Security Plus turns 65 years old.

1. Promotion Details

1. Definitions:
   1. “Prudential” means Prudential Assurance Company Singapore (Pte) Limited.
   2. “Promotion Period” means the period between 9 June 2025 and 30 November 2025 (both dates inclusive).
   3. “Eligible Customer” means policyholder whose proposal for the Eligible Insurance Plan is submitted to and issued by Prudential during the Promotion Period having satisfied the eligibility criteria below.
   4. “Eligible Insurance Plan” means PRUIndex Income Boost that meets the criteria as stated in Promotion Table below.
   5. “Promotional Participation Rate” means the non-guaranteed Index participation rate awarded to eligible policies for segment(s) created in the month between July 2025 and December 2025 (as applicable).
   6. “Segment” means the segment(s) created for the Eligible Insurance Plan. In this Promotion, depending on when the policies are issued, the Promotional Participation Rate will be applied for up to six (6) segments created (as applicable) between July 2025 and December 2025. These segments will mature between July 2026 and December 2026 and the non-guaranteed Monthly Cash Benefit payable during these periods will be based on the Promotional Participation Rate or the prevailing participation rate, whichever is higher.
   7. “Promotion Table” means Promotion Table below.
      
      

      Promotion Table

      Eligible Insurance Plan	Minimum Premium (SGD)	Index Options	Promotional Participation Rate^
      PRUIndex Income Boost	All premiums are applicable	UBS MASTR SGD Hedged Index	80.00%
      		S&P 500 FC Index (SGD Hedged)	40.00%

      
      

      Footnotes
      ^{^} The Promotional Participation Rate is linked to the Index Option selected for the eligible policy at inception and will serve as the minimum applicable rate for up to the first six (6) months/segments till December 2025. If the prevailing participation rate exceeds the Promotional Participation Rate, the higher prevailing participation rate will apply. After this period, the participation rates applicable to the policy will be declared on a monthly basis.

2. Eligibility
   

   To be eligible for the Promotion, the Eligible Customer has to satisfy the following requirements in order to receive the Promotional Participation Rate for up to the first six (6) months/segments (as defined in Promotion Table):

   1. The Eligible Customer’s proposal for an Eligible Insurance Plan is submitted to and issued by Prudential during the Promotion Period.
   2. This Promotion is valid for all premium terms (monthly, quarterly, half-yearly, and annually) as applicable to the Eligible Insurance Plan.
   3. The Promotional Participation Rate is not applicable should the Eligible Insurance Plan be Not Taken Up and subsequently reopened, or the Eligible Insurance Plan has lapsed and subsequently reinstated.
3. Promotional Participation Rate
   
   1. The Promotional Participation Rate is the non-guaranteed Index participation rate awarded to eligible policies for the segment(s) created in the month of July 2025 to December 2025 (as applicable).
   2. An Eligible Customer is entitled to receive the Promotional Participation Rate for up to the first six (6) months/segments in accordance with the Promotion Table above.
   3. The Promotional Participation Rate will be used to compute the potential Monthly Cash Benefits payable on the segment maturity month(s) between July 2026 and December 2026.
   4. The first segment creation date takes place on the 15th of the following month after the policy is issued. The Promotional Participation Rate will serve as the minimum applicable rate from July 2025 to December 2025.
   5. In the event that the prevailing participation rate exceeds the Promotional Participation Rate during this period (July 2025 to December 2025), the higher prevailing participation rate will apply to the relevant months/segments.
   6. The number of months/segments an Eligible Customer will receive the Promotional Participation Rate depends on the month the policy is issued. An eligible policy that is issued in the month of June 2025 will enjoy the Promotional Participation Rate for six (6) months/segments, that is, for segments created in July 2025 to December 2025. Similarly, an eligible policy issued in August 2025 will be awarded the Promotional Participation Rate for four (4) months (September 2025 to December 2025).
   7. Notification of the monthly segment participation rate will be updated on PRUaccess.
   8. The Eligible Customer is entitled to receive the Promotional Participation Rate for every Eligible Insurance Plan so long as it fulfils the criteria set out in the Promotion.
   9. All other product terms will continue to apply for the Eligible Insurance Plan.

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 Promotional Participation Rate, or, if already awarded, reclaim the Promotional Participation Rate and revert to the pre-determined policy non-promotional Participation Rate 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 Promotional Participation Rate.
6. Prudential reserves the right to replace the Promotional Participation Rate 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 Promotional Participation Rate. 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 Promotional Participation Rate is not exchangeable for cash, credit or any other items of equivalent value. The validity period of the Promotional Participation Rate 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 Promotional Participation Rate.
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 Promotional Participation Rate 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 Promotional Participation Rate.  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 Promotional Participation Rate. 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 Promotional Participation Rate, 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 Promotional Participation Rate, 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. 

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Representative for a financial analysis before purchasing an insurance 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.

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 this insurance product 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 brochure, the English version shall prevail.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policies 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).

The information presented cannot be reproduced, amended or circulated in whole or in part to any other person without our prior written consent. 

Information is correct as of 3 July 2025.

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