PROTECT

PROTECT
We understand
you want to provide lifelong protection
for you and your family
PRUlife

Be prepared for the unexpected
You have plans and you work hard to shape your future, be
it getting married, starting a family, providing for them or
planning for your retirement.
Regardless of what the future brings, you want to be
assured that your family and their future are taken care of.
And as a parent, you would strive to provide the best for
your child.
Designed to provide whole of life protection, PRUlife provides
coverage against Death, Terminal Illness, and Total and
Permanent Disability 1 , so you and your loved ones have less
to worry about should the unforeseen happen.
Coverage against Death, Terminal Illness, and Total
and Permanent Disability
PRUlife offers a lump sum payout plus accumulated
bonuses 2 in the event of Death, Terminal Illness, and Total
and Permanent Disability 1 , providing assurance for you and
your family’s future.
Keeps up with changing needs
You need a protection plan which allows you to keep up with
your changing needs. With PRUlife, you can buy a new plan
without underwriting 3 to increase your coverage at the
most significant events in your life, such as marriage or
having a child.
Early coverage
PRUlife can also be purchased to protect against the
vulnerable stages of your child’s life.

Further enhance your PRUlife plan for a wider coverage
While PRUlife covers for whole of life protection, you
can ensure that you and your family are more extensively
covered by including these supplementary benefits.
• Comprehensive Personal Accident III, which provides
you with an additional lump sum in the event of Accidental
Death and Dismemberment. This supplementary benefit
also gives you the option 4 to be reimbursed for your
medical expenses incurred as a result of an accident, or
receive a weekly income when you are unable to work in
all duties of your usual occupation due to an accident.
• Crisis Cover III, which advances 5 a lump sum payout
upon diagnosis of any one of the 36 listed Critical
Illnesses. This ensures you have access to funds when you
need it most.
• Early Stage Crisis Waiver, which waives the premium
payments for a fixed period 6 upon diagnosis of Early
or Intermediate Stage Medical Conditions, so you can
concentrate on treatment.
• Crisis Waiver III, which waives the remaining premium
payments 7 upon diagnosis of any one of the 35 listed
Critical Illnesses and ensures that your financial plan
remains in place.
• Early Payer Security, which waives the premium
payments for a fixed period 6 upon diagnosis of Early or
Intermediate Stage Medical Conditions, so that you need
not worry about your loved ones losing coverage while
you concentrate on your treatment.
• Payer Security III / Payer Security Plus safeguards
your loved one’s policy in the event that Death, Critical
Illness or Total and Permanent Disability strikes you. Payer
Security III waives the remaining premiums of your child’s
policy till the policy anniversary before he or she turns 25,
or the end of the premium payment term, whichever is
earlier. Payer Security Plus provides a longer benefit term
and it waives the remaining premiums of your loved one’s
policy until the policy anniversary before you reach 85, or
the end of premium payment term, whichever is earlier.

How PRUlife works for you:
Gerald (male, non-smoker), age 25 next birthday, is a fresh
graduate who has just started his career and would like to
obtain life protection and plan for his future. He is able to set
aside about S$112* per month for coverage against Death,
Terminal Illness, and Total and Permanent Disability for a sum
assured of S$100,000.
End of
Policy
Year
Basic
Premiums
Paid*
Guaranteed
Death Benefit 8 Surrender Value 8
Non-
Guaranteed
Total
Guaranteed
Non-
Guaranteed
Total
20 S$26,780 S$100,000 S$49,610 S$149,610 S$15,992 S$15,639 S$31,631
30 S$40,170 S$100,000 S$76,361 S$176,361 S$28,646 S$30,142 S$58,788
64 S$79,520 S$100,000 S$243,456 S$343,456 S$81,048 S$182,093 S$263,141
*Premiums quoted are based on a non-smoking male aged 25 on his next birthday with
PRUlife and a sum assured of S$100,000, based on annual mode.
How PRUlife works for your child:
Mr Lim (male, non-smoker), age 30 next birthday, would like
to start planning for basic insurance coverage for his newborn
daughter, Clarissa, aged 1 (female, non-smoker), for as little
as S$50** per month. Clarissa gets covered under PRUlife
for a sum assured of S$100,000, and she will be able to
enjoy these low premiums for as long as she wants. The cash
value accumulated under PRUlife may be used for Clarissa’s
education in the future.
End of
Policy
Year
Basic
Premiums
Paid**
Guaranteed
Death Benefit 8 Surrender Value 8
Non-
Guaranteed
Total
Guaranteed
Non-
Guaranteed
Total
20 S$11,980 S$100,000 S$49,610 S$149,610 S$5,676 S$6,282 S$11,958
30 S$17,970 S$100,000 S$76,361 S$176,361 S$10,517 S$12,323 S$22,840
64 S$38,336 S$100,000 S$243,456 S$343,456 S$43,907 S$105,397 S$149,304
**Premiums quoted are based on a non-smoking female aged 1 on her next birthday
with PRUlife and a sum assured of S$100,000, based on annual mode.

Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0333 today, or visit
www.prudential.com.sg
Footnotes:
1. Policy provides coverage against Terminal Illness and Total and
Permanent Disability during the term of the policy and before the
anniversary of the policy on which the Life Assured will attain the
age of 65. The Life Assured cannot claim for both.
2. Bonuses are not guaranteed and will vary according to the future
performance of the participating fund.
3. Sum assured of the new policy for each life event can only be up
to a maximum of 25% of the original sum assured or S$150,000,
whichever is lower. The option to purchase a new policy can
only be exercised twice in the lifetime of the Life Assured. The
maximum additional cover for these two life events can only be up
to a maximum of 50% of the original sum assured or S$300,000,
whichever is lower.
4. Optional benefits of Medical Reimbursement III and Weekly Income III
can be added to Comprehensive Personal Accident III.
5. If the sum assured of Crisis Cover III is the same as the sum assured
of the Death Benefit of the main plan, the policy and all its benefits
terminate after a Critical Illness claim. If the sum assured of
Crisis Cover III is lower than the sum assured of the Death Benefit
of the main plan, the sum assured of the Death Benefit shall be
reduced accordingly after a Critical Illness claim.
6. Upon diagnosis of Early or Intermediate Stage Medical Conditions,
the future premiums of the covered benefits will be waived for 5
years or 10 years respectively, or the remaining premium payment
term, whichever is shorter. The maximum premium waiver period is
10 years, after which the benefit terminates and premium payment
for the covered benefits resumes.

7. Future premiums of the covered benefits are waived up to age 85
or until the end of the premium payment term, whichever is earlier.
8. The illustrated values use a bonus rate assuming a projected
investment rate of return of 4.75% per annum for the participating
fund. Bonus rates are not guaranteed and will vary according to
the future performance of the participating fund.
Note:
Buying a life insurance policy is a long-term commitment. An early
termination of the policy usually involves high costs and the surrender
value payable (if any) may be 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. You are recommended
to seek advice from a qualified Prudential Financial Consultant for a
financial analysis before purchasing a policy suitable to meet your needs.
This brochure 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
Consultant.
In case of discrepancy between the English and Mandarin versions of
this brochure, the English version shall prevail.
Information is correct as at 11 August 2015.

PROTECT
Prudential Assurance Company Singapore (Pte) Limited.
(Reg. No. 199002477Z)
30 Cecil Street #30-01 Prudential Tower
Singapore 049712
Tel: 1800 333 0333 Fax: 6734 6953
Part of Prudential plc