SAVE

SAVE SAVE
We understand
you want to save for the long term,
but with a shorter premium term
PRUsave limited pay

Tailored to your financial needs
When it comes to planning for the future, it is always
beneficial to start saving early to help fulfil your dreams
and aspirations. Wouldn’t it be better if you can pay off the
premiums of your endowment plan in a shorter time and
enjoy the fruits of your labour in the coming years?
PRUsave limited pay is a regular premium endowment plan
designed to help you save for the long term, but gives you
the option of paying off your premiums within a shorter
period. You can be assured knowing your savings goals are
not compromised.
Pay off your premiums in a shorter time
A selection of policy terms and corresponding premium
payment terms are available for your choosing:
CHOICE OF
POLICY TERMS
(YEARS)
CHOICE OF PREMIUM PAYMENT TERMS (YEARS)
5 10 15
10
15
20
25

Enjoy a lump sum maturity payout
You can look forward to receiving your maturity benefit
in one lump sum payout once your PRUsave limited pay
policy matures.
Always prepared with comprehensive coverage
Designed to give you comprehensive protection against
Death, Terminal Illness, and Total and Permanent Disability 1 ,
rest assured that you will receive 100% of the sum assured
plus any accumulated bonuses 2 in a lump sum should
something unforeseen occur to you.
Enjoy additional coverage with your changing needs
Should your needs change as you get married, become a
parent, or adopt a child through legal means, you won’t have
to worry about undergoing another medical examination if
you plan to buy another endowment or term plan 3 .
Coverage for your child’s future
As an insurance savings plan for your child’s education
funds, one of the highlights of PRUsave limited pay is that it
allows your child to buy a new policy 4 at the policy maturity,
if he is below 25 years of age, without the need for any
medical examination.
Benefit from extra coverage on top of your
PRUsave limited pay plan
While PRUsave limited pay helps you save for the long term
with a shorter premium term, you can enjoy more extensive
coverage 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 5 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.

• Max Protection Multiplier 6 provides a sum assured of
5 times or 10 times of the annual premium of your main
endowment plan, up to S$300,000.
• Early Stage Crisis Waiver, which waives the premium
payments for a fixed period 7 upon diagnosis of Early
or Intermediate Stage Medical Conditions, so you can
concentrate on your treatment.
• Crisis Waiver III, which waives the remaining premium
payments 8 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 7 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.
One plan to suit your different goals
PRUsave limited pay caters to your different needs whether
you’re saving for your future home, your child’s education,
or planning for your retirement.

How PRUsave limited pay works – if you’re a parent of a child...
Madam Lim (age 35 on her next birthday, non-smoker) is
a mother who wants to plan for her son’s (age 1 on next
birthday) university education. She is able to set aside an
annual premium of S$6,198 9 for 10 years, so that she can
receive a lump sum payout at the end of 20 years upon
maturity of the policy.
Policy Term Annual Premium Projected Amount Receivable at Maturity
(Years) (Payable for 10 years) Guaranteed Non-Guaranteed 10 Total 10
20 S$6,198 (S$17 a day) 11 S$65,000 S$43,387 S$108,387
At the end of 20 years, the total projected maturity benefit
is S$108,387 10 .
And for as little as S$0.54 11,12 a day, Madam Lim can add
Payer Security III to her PRUsave limited pay policy that
ensures her son’s education plan will not be jeopardised in
the event of her Death, Critical Illness, or Total and Permanent
Disability.
How PRUsave limited pay works – if you’re in your first job...
Harry (age 25 on his next birthday, non-smoker) is a fresh
graduate who has just started his career, and would like to
save enough for his dream car down payment by the time
he reaches 35. He is able to set aside an annual premium of
S$6,063 13 for 5 years, so that he can receive the maturity
proceeds in a lump sum to finance his dream car.
Policy Term Annual Premium Projected Amount Receivable at Maturity
(Years) (Payable for 5 years) Guaranteed Non-Guaranteed 10 Total 10
10 S$6,063 ($17 a day) 11 S$28,000 S$8,163 S$36,163
At the end of 10 years, the total projected maturity benefit
is S$36,163 10 .

How PRUsave limited pay works – if you’re saving
for retirement...
Mr. Tan (age 45 on his next birthday, non-smoker) is planning
for his retirement when he reaches 60. He is able to set aside
an annual premium of S$12,322 14 for the next 5 years,
wishes to have a policy term of 15 years and plans to receive
his maturity payout in one lump sum.
Policy Term Annual Premium Projected Amount Receivable at Maturity
(Years) (Payable for 5 years) Guaranteed Non-Guaranteed 10 Total 10
15 S$12,322 (S$34 a day) 11 S$63,500 S$30,477 S$93,977
At the end of 15 years, the total projected maturity benefit
is S$93,977 10 .
And for as little as S$0.56 11,15 a day, Mr. Tan can add
Crisis Waiver III to his PRUsave limited pay policy that ensures
his retirement plan will not be jeopardised, should he be
diagnosed with any of the 35 listed Critical Illnesses.
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. We will pay for either Terminal Illness or Total and
Permanent Disability benefit, but not both.
2. Bonuses are not guaranteed and will vary according to the future
performance of the participating fund.
3. This benefit is only applicable to PRUsave limited pay policy
purchased on standard terms. The sum assured for the new policy
at each life event cannot be more than 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 50% of the original sum assured or S$300,000,
whichever is lower.
4. This benefit is only applicable to PRUsave limited pay policy
purchased on your child on standard terms. The sum assured for
the new policy can be up to the amount equal to the sum assured
of the Death Benefit in PRUsave limited pay policy increased
at a compounded rate of 5% for each year the customer held the
PRUsave limited pay policy. However, the maximum sum assured
is limited to S$300,000 per life.
5. Optional benefits of Medical Reimbursement III and Weekly Income III
can be added to Comprehensive Personal Accident III.
6. Subject to terms and conditions, Max Protection Multiplier pays out in
the event of Death, Accidental Death or Total and Permanent Disability.
7. 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.
8. Future premiums of the covered benefits are waived up to age 85
or until the end of the premium payment term, whichever is earlier.
9. Premium quoted is based on a non-smoking male, age 1 next
birthday, with a PRUsave limited pay plan (10/20 year payment
term) with a sum assured of S$65,000.

10. 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.
11. The premium stated is an approximate figure and is rounded to the
nearest cent.
12. Premium quoted is based on a non-smoking female, age 35 next
birthday, with an annual premium of S$6,198 and a premium
payment term of 10 years.
13. Premium quoted is based on a non-smoking male, age 25 next
birthday, with a PRUsave limited pay plan (5/10 year payment
term) with a sum assured of S$28,000.
14. Premium quoted is based on a non-smoking male, age 45 next
birthday, with PRUsave limited pay plan (5/15 year payment
term) with a sum assured of S$63,500.
15. Premium quoted is based on a non-smoking male, age 45 next
birthday, with an annual premium of S$12,322 and a premium
payment term of 5 years.
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.

SAVE
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