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Whole Life

Introduction

In today's unpredictable world, securing your financial future is paramount. Whole life insurance offers a powerful combination of protection and investment, providing peace of mind for you and your loved ones. Enter PRUActive LinkGuard, a flexible and comprehensive solution from Prudential that adapts to your changing needs throughout life's journey. This innovative product offers double coverage protection, investment opportunities, and the ability to adjust your policy as your circumstances evolve. Let's explore how PRUActive LinkGuard can empower you to live life on your terms while ensuring financial security for the long haul.

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Coverage and Benefits

PRUActive LinkGuard offers a robust suite of protection benefits designed to safeguard you and your family against life's uncertainties. From death coverage to critical illness protection, this versatile policy provides comprehensive financial security. Let's delve into the key coverage components that make PRUActive LinkGuard stand out in the market.

Double Death Coverage

Enjoy twice the protection with the Multiplier Benefit. Before age 50, your coverage against death is doubled, providing enhanced financial security for your beneficiaries.

Guaranteed Coverage Period

Rest easy with 10 years of guaranteed coverage. This No Lapse Period ensures your protection remains intact during the first decade, regardless of market volatility.

Terminal Illness Benefit

Receive double coverage for terminal illness before age 50. This benefit provides crucial financial support during challenging times, matching the death benefit amount.

Total Permanent Disability

Benefit from doubled coverage against total permanent disability (TPD) before age 50. This enhanced protection ensures financial stability if you're unable to work due to disability.

Critical Illness Protection

Extend your coverage with optional Critical Illness protection. Choose from Crisis Protect or Crisis Care to safeguard against 56 critical illnesses, providing an extra layer of financial security.

Investment and Savings Components

PRUActive LinkGuard isn't just about protection – it's also a powerful tool for wealth accumulation. This section explores the investment features that allow you to grow your money while staying protected. From flexible top-ups to a range of fund options, discover how PRUActive LinkGuard can help you achieve your financial goals.

Flexible Investment Options

Choose from a range of funds to align with your risk appetite and financial goals. 97% of your premium is invested, maximizing your potential for returns.

Regular and Lump-sum Top-ups

Boost your investments anytime with regular or lump-sum top-ups. This flexibility allows you to capitalize on market opportunities or adjust your strategy as needed.

Projected Cash Value

At an illustrated investment rate of return of 8% p.a., you could potentially receive S$212,400 at age 60. Note that actual returns may vary based on fund performance.

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Riders

Enhance your PRUActive LinkGuard policy with optional riders that provide additional protection and customization. These riders allow you to tailor your coverage to your specific needs and concerns. Let's explore the available riders that can complement your base policy.

Crisis Protect

Add comprehensive critical illness coverage to your policy. Crisis Protect offers a lump sum payout upon diagnosis of any of the 56 covered critical illnesses.

Crisis Care

Another option for critical illness protection, Crisis Care provides coverage against the same 56 critical illnesses. It offers flexibility in how you receive your benefit payout.

Policy Loan and Surrender Options

PRUActive LinkGuard offers flexibility when it comes to accessing your policy's value or making changes to your coverage. This section outlines the options available for policy loans and surrenders, providing you with a clear understanding of how you can leverage your policy's value if needed.

Partial Withdrawals

Make partial withdrawals at no charge after 25 months of regular premium payments. This feature allows you to access funds for major life events or unexpected expenses.

Coverage Adjustments

Adjust your coverage to align with changing priorities. You have the option to reduce coverage to zero when you turn 50, providing flexibility as your needs evolve.

Surrender Value

While early termination may result in high costs, the policy accumulates cash value over time. The actual surrender value will depend on the performance of your chosen funds.

Claims and Customer Service

Prudential is committed to providing excellent customer support and a smooth claims process for PRUActive LinkGuard policyholders. To file a claim or seek assistance, you can contact Prudential's customer service team at 1800 333 0 333. Their knowledgeable representatives are available to guide you through the claims process and answer any questions you may have about your policy. For additional support, you can visit Prudential's website at www.prudential.com.sg or speak with your Prudential Financial Consultant. Prudential aims to process claims efficiently, ensuring you receive the support you need when it matters most.

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Conclusion

PRUActive LinkGuard offers a versatile solution for individuals seeking comprehensive life insurance coverage with investment potential. This product is particularly well-suited for young professionals starting their careers, newlyweds planning for the future, and parents looking to protect their growing families while building wealth. The flexibility to adjust coverage and make top-ups makes it an attractive option for those whose financial needs may change over time.
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