In today's fast-paced world, life can be unpredictable. You might be wondering, "How can I protect myself and my loved ones while still pursuing my dreams?" If you're looking for an insurance plan that offers both protection and flexibility, PRUActive LinkGuard might be the solution you've been searching for. Let's dive deep into what this innovative product offers and how it can benefit you at every stage of your life.
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PRUActive LinkGuard is a flexible investment-linked insurance plan that provides comprehensive protection while allowing you to grow your wealth. It's designed to adapt to your changing needs throughout different life stages, offering you the freedom to adjust your coverage and investments as your priorities shift.
Starting from just S$75 per month, making it accessible for many budgets
Get twice as much protection against death, terminal illness, and total permanent disability before age 50
Stay covered for the first decade, ensuring your protection remains secure even in volatile markets
Ability to increase or decrease coverage based on your life events and priorities. Option to reduce coverage to zero when you turn 50
Power up your investments with regular or lump-sum top-ups anytime during the policy term. 97% of premiums paid will be invested
Extend your coverage to include protection against 56 critical illnesses with Crisis Protect and Crisis Care
Provides financial support for your loved ones in the event of your passing.
Offers a payout if you're diagnosed with a terminal illness, helping to cover medical expenses and maintain quality of life.
Provides financial support if you become totally and permanently disabled, helping you maintain your lifestyle.
With the addition of Crisis Protect or Crisis Care, you can be covered against 56 critical illnesses, offering financial support during challenging times.
You can increase your basic coverage without medical underwriting for significant life events like getting married or having a child.
As your financial goals change, you can adjust your investment strategy by making regular or lump-sum top-ups.
Need funds for a major expense? You can make partial withdrawals from your policy, subject to certain conditions.
As you build wealth and your protection needs change, you have the option to reduce your coverage, even down to zero when you turn 50.
This example shows how PRUActive LinkGuard can adapt to various life stages and events, providing both protection and investment opportunities.
Multiplied coverage: S$200,000br>Critical illness coverage: S$100,000br>Monthly premium: S$80
She tops up a lump sum of S$10,000 to maximize potential returns
Increases basic coverage by S$25,000 without medical underwritingbr>New multiplied coverage: S$250,000br>New monthly premium: S$101.67
Adds a regular top-up premium of S$100 per month for child's educationbr>New monthly premium: S$201.67
Makes a partial withdrawal of S$5,000 at no charge for program fees
Withdraws S$15,000 at no charge for tuition fees
Multiplier Benefit ceasesbr>Coverage against death, terminal illness, and TPD reduces to S$125,000br>Critical illness coverage remains at S$100,000
Receives a payout of S$100,000 under Crisis Protectbr>Coverage against death, terminal illness, and TPD remains at S$125,000
Potential to receive: S$212,400 (based on illustrated investment rate of return of 8% p.a.)br>Total premiums paid: S$90,340
Affordable premiums starting at just S$75 per month
Double coverage before age 50 with Multiplier Benefit
Flexibility to adjust coverage and investments
Option for critical illness protection
Opportunity for wealth accumulation through investments
Guaranteed coverage for the first 10 years
Investment returns are not guaranteed and subject to market risks
Multiplier Benefit ceases at age 50
Early termination may result in high costs and potential loss of premiums paid
Premiums for supplementary benefits are not guaranteed and may be adjusted
Yes, PRUActive LinkGuard allows you to adjust your coverage based on life events and changing needs.
Investment products are subject to market risks, and there's a possibility of losing the principal amount invested. However, the 10-year guaranteed coverage ensures your protection remains in place regardless of market performance.
Yes, you can make partial withdrawals, subject to certain conditions and maintaining a minimum policy account balance.
The Multiplier Benefit ceases at age 50, reducing your coverage. However, you have the flexibility to adjust your coverage based on your needs at that time.
No, it's an optional benefit that you can add to your policy for additional protection.
PRUActive LinkGuard offers a unique combination of protection, flexibility, and investment opportunities . It's designed to adapt to your changing needs throughout different life stages, providing you with the freedom to pursue your dreams while ensuring you and your loved ones are protected.
However, as with any financial decision, it's important to carefully consider your personal needs, risk tolerance, and long-term goals before committing to a policy. While PRUActive LinkGuard offers many benefits, it's crucial to understand that it's an investment-linked plan, which means your returns are not guaranteed and are subject to market risks .
Remember, the best insurance plan is one that aligns with your specific circumstances and financial objectives. If you're considering PRUActive LinkGuard or any other insurance product, it's always wise to consult with a qualified financial advisor who can provide personalized recommendations based on your unique situation.
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Read the complete transcript of our expert discussion about PRUActive Link Guard. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.
Welcome back to the deep dive. Today we're taking a close look at a product that seems to be popping up a lot for young Singaporeans, especially if you're
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