Life is a journey filled with exciting milestones and unexpected turns. As you navigate through different stages, your protection needs evolve. That's where PRUActive Life (II) comes in - a versatile whole-of-life insurance plan designed to grow with you , providing comprehensive coverage while building cash value over time. Let's dive deep into what makes PRUActive Life (II) a standout choice for those seeking flexible, long-term protection.
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PRUActive Life (II) is a whole-of-life insurance plan that offers a unique combination of protection and potential cash value accumulation. It's designed to adapt to your changing needs throughout life , providing comprehensive coverage against death, terminal illness, total and permanent disability, and critical illnesses. What sets it apart is its flexibility and customizable features , allowing you to tailor the plan to your specific requirements.
Choose to pay premiums for anywhere between 5 to 35 years. Align your payment term with your financial planning.
Boost your coverage up to 5 times until age 80 . Applies to Death, Terminal Illness, Total and Permanent Disability, and Critical Illness coverage.
Receive a payout for serious illnesses or accidents affecting major organs. Covers situations requiring admission to intensive care unit (ICU).
Additional coverage for early-stage critical illnesses. Helps you get financial support at the crucial early stages of illness.
Extra coverage for Early and Intermediate Stage Medical Conditions. Includes Special Benefits such as Juvenile Medical Conditions.
Coverage continues for life, even after premium payment term ends .
Policy builds cash value over time, providing a potential financial resource.
| Age | What suggestion covers | Premium |
|---|---|---|
| 20, Female making $4,000 a month | Death: till age 75 $200,000 after age 75 $100,000 Accelerated Disability: till age 75 $200,000 after age 75 $100,000 Accelerated Terminal Illness: till age 75 $200,000 after age 75 $100,000 | $2,114 |
| 25, Female making $4,301 a month | death: till age 75 $200,000 after age 75 $100,000 accelerated disability: till age 75 $200,000 after age 75 $100,000 accelerated terminal illness: till age 75 $200,000 after age 75 $100,000 | $2,296 |
| 26, Female making $5,265 a month | death coverage: till age 75 $200,000 after age 75 $100,000 accelerated disability: till age 75 $200,000 after age 75 $100,000 accelerated terminal illness: till age 75 $200,000 after age 75 $100,000 | $2,318 |
| 23, Female making $0 a month | TPD $300,000 death $300,000 critical illness $120,000 terminal illness $300,000 early critical illness $60,000 | $192.57 |
Let's explore each key feature in more detail:
You can choose to pay premiums for as short as 5 years or as long as 35 years. This flexibility allows you to align your insurance commitment with your financial goals.
This is a game-changer . You can multiply your basic coverage by 2, 3, 4, or even 5 times, significantly boosting your protection. You also get to choose when this multiplier expires - at age 65, 70, 75, or 80.
Provides a payout if you undergo surgery on vital organs (heart, lung, brain, kidney, liver) due to illness or accident, resulting in at least 3 consecutive days in ICU. It's capped at S$100,000 per life assured.
Provides coverage for early-stage critical illnesses, giving you financial support when you need it most. This can help cover treatment costs or replace income if you need to take time off work.
If an immediate family member also purchases a PRUActive Life plan, your coverage for Death and Terminal Illness increases. This benefit is available for policies purchased on or before age 55 and is subject to a cap of S$100,000 per life assured.
Even after you've completed your premium payments, your coverage continues for life . This ensures you have protection no matter how long you live, providing peace of mind for you and your loved ones.
Over time, your policy builds cash value. This can serve as a financial resource in the future, whether for emergencies, supplementing retirement income, or leaving a legacy for your loved ones.
Let's look at how PRUActive Life (II) might work for someone like Suzie:
Suzie, a 31-year-old non-smoker, decides to purchase PRUActive Life (II) as she starts her creative career. Here's her plan:
Here's how her coverage evolves over time:
Age 33: Suzie's husband, Peter, also purchases PRUActive Life. Thanks to the Kinship Booster Benefit, Suzie's coverage for Death and TI increases to S$248,000.
Age 46: Suzie is diagnosed with a Benign Tumour. After surgery and two months of recovery, she receives a Benign Tumour Benefit payout of S$4,000.
Age 50: Suzie has an accident that punctures her lungs, requiring surgery and 3 days in ICU. She receives a Crisis Care Accelerator Benefit payout of S$60,000.
Age 80: Suzie's Multiplier Benefit expires. She continues to be protected for life with PRUActive Life (II), covering S$68,000 for Death and TI, and S$20,000 for CI.
This scenario illustrates how PRUActive Life (II) provides comprehensive coverage throughout different life stages and unexpected events.
The cost of PRUActive Life (II) depends on various factors, including:
While exact premiums aren't provided in the brochure, the example of Suzie paying S$2,929.40 annually for her coverage gives an idea of potential costs. It's important to note that premiums for the main plan and supplementary benefits are not guaranteed and may be adjusted based on future claims experience .
Flexible premium payment terms
Customizable coverage with Multiplier Benefit
Comprehensive protection including early-stage critical illnesses
Lifelong coverage
Cash value accumulation
Unique benefits like Crisis Care Accelerator and Kinship Booster
Premiums are not guaranteed and may increase
Cash value accumulation may be slow in early years
Early termination may result in significant financial loss
You should check with Prudential about options for adjusting your policy after purchase.
There may be a grace period, after which the policy could lapse. It's best to discuss options with Prudential if you face financial difficulties.
Yes, but it may be less than the total premiums paid, especially in the early years of the policy.
Like most insurance policies, there will be certain exclusions. It's important to review the policy documents for specific details.
The cash value accumulation is not guaranteed and depends on various factors. Your Financial Consultant can provide projections based on different scenarios.
PRUActive Life (II) offers a comprehensive and flexible approach to life insurance, designed to adapt to your changing needs throughout life. With its unique features like the Multiplier Benefit, Crisis Care Accelerator, and Kinship Booster, it provides robust protection against a wide range of life's uncertainties . The ability to customize your coverage and premium payment term makes it a versatile choice for many individuals.
However, as with any financial decision, it's crucial to carefully consider your personal needs, financial situation, and long-term goals before committing to a policy. While PRUActive Life (II) offers many attractive features, it's important to understand that premiums may increase over time and early termination can result in financial loss.
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