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Secure Your Future with PRUCash Secure

In today's uncertain world, planning for the future is more important than ever. PRUCash Secure, offered by Prudential, is a unique savings plan designed to provide financial security and peace of mind. This innovative product combines guaranteed savings with life coverage, allowing you to protect your loved ones while building a secure financial foundation. With PRUCash Secure, you can enjoy the assurance of guaranteed returns upon maturity, along with the flexibility to access yearly cash payouts to meet your changing needs. Whether you're saving for a major life goal or simply want to ensure a comfortable future, PRUCash Secure offers a reliable path to financial stability.

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Understanding PRUCash Secure: A Participating Regular Premium Endowment Plan

PRUCash Secure is classified as a participating regular premium endowment plan. This means that policyholders pay premiums regularly over a specified period and have the potential to receive both guaranteed and non-guaranteed benefits. As a participating plan, PRUCash Secure allows policyholders to share in the profits of Prudential's participating fund through bonuses or dividends. The regular premium structure, spanning 5 years, enables you to build your savings systematically. This type of endowment plan offers a balance between guaranteed returns and the potential for higher returns through non-guaranteed bonuses, making it an attractive option for those seeking both security and growth potential in their savings plan.

Coverage and Benefits

PRUCash Secure offers a comprehensive package of benefits designed to provide financial security and flexibility. From guaranteed maturity benefits to potential bonuses, this plan caters to various financial needs and goals. Let's explore the key features that make PRUCash Secure an attractive option for those looking to secure their financial future.

100% Guaranteed Return

PRUCash Secure guarantees 100% of your total premiums paid upon maturity. This ensures that you receive back at least the full amount you've invested, providing a solid foundation for your savings.

Potential Extra Returns

In addition to the guaranteed benefit, PRUCash Secure offers non-guaranteed bonuses and dividends. These potential extra returns can significantly enhance your overall benefits, with the possibility of earning up to 3% each year on accumulated cash payouts.

Fund Performance

While specific historical performance data is not provided, the product illustration uses an assumed investment rate of return of 4.75% per annum for the participating fund. This gives an indication of the potential returns, though actual performance may vary.

Return Factors

Non-guaranteed returns are influenced by the performance of the participating fund. The illustration shows that at a lower investment rate of 3.25% per annum, the non-guaranteed benefit reduces from $27,830 to $15,378, demonstrating the impact of fund performance on overall returns.

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Additional Benefits and Riders

PRUCash Secure goes beyond basic savings by offering a range of additional benefits and the option to enhance your coverage with supplementary riders. These features provide added flexibility and protection, allowing you to tailor the plan to your specific needs. Let's explore the key additional benefits that come with PRUCash Secure.

Death Coverage

PRUCash Secure provides coverage against death for 15 years, despite having a premium payment term of only 5 years. This extended protection ensures your loved ones are financially secure even after you've completed premium payments.

Yearly Cash Payouts

From the 5th Policy Anniversary, you can choose to receive yearly cash payouts. This feature allows you to supplement your lifestyle needs or reinvest for potential additional returns of up to 3% each year.

Easy Application

PRUCash Secure offers guaranteed issuance with no medical underwriting required. This simplifies the application process, making it easier and more convenient to secure your financial future.

Surrender Value and Partial Withdrawals

While PRUCash Secure is designed as a long-term savings plan, life's uncertainties may require access to your funds before maturity. Understanding the surrender value and partial withdrawal options is crucial for making informed decisions about your policy. Here's what you need to know about accessing your funds before the policy matures.

Surrender Value

The surrender value is calculated based on the premiums paid and any accumulated bonuses. In case of death during the policy term, beneficiaries receive the higher of 105% of total premiums paid or 101% of the surrender value.

Withdrawal Options

PRUCash Secure offers yearly cash payouts from the 5th Policy Anniversary. These can be withdrawn to meet immediate needs or accumulated for potential additional returns of up to 3% per year.

Early Termination Costs

Early termination of the policy usually involves high costs. The surrender value, if any, may be zero or less than the total premiums paid, emphasizing the importance of viewing this as a long-term commitment.

Claims and Customer Support

Prudential is committed to providing excellent customer service and a smooth claims process for PRUCash Secure policyholders. For any inquiries or to file a claim, you can contact Prudential's customer support team at 1800 333 0 333. Their dedicated financial consultants are also available to provide personalized assistance and guide you through the claims process. Prudential's website, www.prudential.com.sg, offers additional resources and information about PRUCash Secure and other products. Remember, for specific policy details or to make changes to your coverage, it's best to speak directly with a Prudential Financial Consultant who can provide tailored advice based on your individual circumstances.

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Is PRUCash Secure Right for You?

PRUCash Secure can be an excellent choice for individuals looking for a balanced approach to savings and protection. It's particularly well-suited for those who want guaranteed returns with the potential for additional growth, and appreciate the flexibility of yearly cash payouts. This plan could be ideal for young families planning for their children's education, professionals seeking a disciplined savings approach, or individuals nearing retirement who want to secure a portion of their nest egg. However, as with any financial decision, it's crucial to consider your unique circumstances and long-term goals.
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