PROTECT

PROTECT
We understand
you want multiplied assurance for your
family with a shorter premium term.
PRUlife multiplier

We understand you have goals and dreams that you are
striving to achieve for your young family, and have plans
to get there. However, life’s uncertainties can throw these
plans off course.
Start safeguarding your family’s future with PRUlife multiplier, a
whole of life plan designed to provide multiplied assurance
through a guaranteed high payout of up to 3 times your sum
assured 1 to your loved ones in the event of Death, Critical
Illness, Terminal Illness 2 or Total and Permanent Disability 2 .
With the shorter premium payment terms offered, ease your
financial commitments in later years with PRUlife multiplier.
Pay off your premiums 3 early for lifelong coverage
Pay off your premiums earlier for greater peace of mind in
your later years. You can choose a premium payment term
of 10 years, 15 years or 25 years, whichever best suits your
financial obligations.
Guaranteed assurance with up to 3 times coverage with
the multiplier benefit 4
If the unforeseeable should happen to you before 65 years
of age, PRUlife multiplier’s multiplier benefit guarantees
your young family will continue to be well provided for. It
offers up to 3 times the sum assured upon Death, Total and
Permanent Disability 2 or Terminal Illness 2 ; and up to 2.5 times
the sum assured for Critical Illness, so that your family can
receive guaranteed payouts in unforeseen circumstances.
From age 65 onwards, PRUlife multiplier continues to
provide coverage for Death and Critical Illness through a
payout of the sum assured plus additional bonuses 5 .
The table below shows the multiplier benefit 4 of the plan,
which is a percentage of the sum assured before the
customer reaches age 65 if Death, Total and Permanent
Disability 2 , Terminal Illness 2 or Critical Illness was to occur:
Age + of the
Life Assured
at the Cover
Start Date
Multiplier for
Death/Total and
Permanent Disability 2
/Terminal Illness 2
before age 65 years
Multiplier for the
Critical Illness
benefit before
age 65 years
1 - 30 300% 250%
31 - 35 290% 240%
36 - 39 280% 230%
40 - 45 250% 200%
46 - 50 225% 175%
51 - 60 200% 150%
+
age at the next birthday

Extensive coverage for life’s changing needs
To match your changing life needs and priorities, PRUlife multiplier enables you to increase coverage upon life events 6 by purchasing
another Whole Life, Endowment or Term plan without any medical check-ups.
Secure greater coverage
You can also get added peace of mind by supplementing your coverage with:
• Early Crisis Cover Limited Pay, a limited premium payment term supplementary benefit which provides extensive coverage to a list
of early to late stages of critical illnesses 7 . The payout will help to supplement the possible loss of income, giving you peace of mind
during your recuperation period, without reducing the sum assured of your PRUlife multiplier.
• Early Crisis Cover Multiplier, a limited premium payment term supplementary benefit which provides whole of life protection for early
and intermediate stages of critical illnesses 8 . It has the same Multiplier Benefit 4 as the Critical Illness coverage in your PRUlife multiplier.
• 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 9 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.
• Early Payer Security, which waives the premium payments for a fixed period 10 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 multiplier works
Mr Lee (male, non-smoker), age 30 next birthday, decides to make premium payments of $327 per month for 15 years only for his whole
of life plan, i.e. he stops paying premiums by the age of 45. In the next 15 years, Mr Lee pays about $58,860 and is well-covered with
a sum assured of $100,000. In the event of Death, Total and Permanent Disability 2 or Terminal Illness 2 before 65 years, the multiplier
benefit will ensure a $300,000 payout, or a multiplier benefit of $250,000 on Critical Illness.
If Mr Lee has not made a claim at the age of 65, he will continue to be covered for Death and Critical Illness, or alternatively, if Mr Lee
decides to surrender his plan, he can look forward to receiving a cash value of $109,022 11 .
Example of how PRUlife multiplier can provide you with multiplied assurance
Before Age 65
At Age 65
Multiplier Benefit provides coverage of
$300,000 on Death, Total and Permanent
Disability 2 or Terminal Illness 2 , or $250,000
on Critical Illness.
On Death or Critical Illness,
Mr Lee will get $188,221 11
OR
If he chooses to surrender his
plan, his projected surrender
value will be $109,022 11
Mr Lee makes premium
payments of $327 per
month for 15 years
Stops paying premiums after 45 years old but stays
covered for Death, Total and Permanent Disability 2 ,
Terminal Illness 2 or Critical Illness
30 Years old 45 Years old
65 Years old
Whole Life

Call your Prudential Financial Consultant or our
PruCustomer Line at 1800 333 0333 today, or visit
www.prudential.com.sg
Footnotes:
1. The payout for Total and Permanent Disability, Terminal
Illness and Critical Illness accelerate the Death benefit sum
assured. Upon a claim for Death, Accelerated Terminal Illness,
Accelerated Disability or Accelerated Critical Illness (except
claims for Angioplasty and Other Invasive Treatment for
Coronary Artery) and the full sum assured is paid, the policy
will terminate and no further benefits will be paid.
2. Policy provides coverage against Terminal Illness and Total and
Permanent Disability before the cover expiry date, which is
the policy anniversary on which the Life Assured is aged 65
next birthday. The Life Assured cannot claim for both Terminal
Illness and Total and Permanent Disability.
3. Premiums are not guaranteed during the premium payment term.
4. The multiplier benefit is a percentage of the sum assured shown
in the table and is dependent on the age of the Life Assured at
the Cover Start Date.
5. Bonuses, if any, are not guaranteed and will vary according to
the future experience of the participating fund.
6. Sum assured of the new policy upon a life event can only be up
to a maximum of 25% of the multiplier benefit or sum assured
of $150,000, whichever is lower. The option to purchase a new
policy can only be exercised twice in the lifetime of the Life
Assured and the maximum additional cover for these two life
events can only be up to a maximum of 50% of the multiplier
benefit or sum assured of $300,000, whichever is lower.
7. The full list of benefits covered and their definitions can be
found in the product summary that can be obtained from your
Prudential Financial Consultant. For certain medical conditions,
there is a waiting period of 90 days from the date of issue or
reinstatement, whichever is later. Survival period of at least 7
days from the date of diagnosis is applicable before a claim
can be made.

8. Early Stage and Intermediate Stage benefits payout under
Early Crisis Cover Multiplier will reduce the PRUlife
multiplier policy sum assured. If the sum assured of both
PRUlife multiplier and Early Crisis Cover Multiplier is the
same and a benefit payout for 100% of the sum assured from
Early Crisis Cover Multiplier is made, the whole policy and
this supplementary benefit will terminate. A claim under the
Critical Illness benefit within the PRUlife multiplier policy
could result in either a reduction of sum assured or termination
of Early Crisis Cover Multiplier.
9. Optional benefits of Medical Reimbursement III and Weekly
Income III can be added to Comprehensive Personal Accident III.
10. 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.
11. The illustrated values use bonus rates assuming a projected
investment rate of return of 4.75% p.a. for the participating
fund. Bonuses, if any, 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.
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.
Premiums for some of the supplementary benefits are not
guaranteed and may be adjusted based on future claims experience.
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