Are you looking for a life insurance plan that offers both protection and potential for growth ? PRUFlexi Cash might be the solution you're seeking. Let's dive into the details of this plan to help you make an informed decision.
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PRUFlexi Cash is a participating fixed-term policy offered by Prudential Singapore . It's designed to provide financial protection against death, Terminal Illness, and Disability while also offering potential for growth through bonuses and a Yearly Cash Benefit.
Covers death, Terminal Illness, and Disability
Receive 5% of the sum assured annually
Get a lump sum at the end of the policy term
Potential for additional returns through non-guaranteed bonuses
Choose when to start receiving your Yearly Cash Benefit
Available for terms of 15, 20, or 25 years
If the unfortunate happens, your beneficiaries will receive: The sum assured for Death, all accumulated bonuses (not guaranteed), minus any outstanding loans or amounts owed
If diagnosed with a terminal illness (likely to lead to death within 12 months), you'll receive the same payout as the Death Benefit
If you become totally and permanently disabled: Ages 1-64: 100% of sum assured plus bonuses, up to $2,000,000 . Any amount above $2,000,000 paid later in specific circumstances. Below age 1: 20% of sum assured as a lump sum
Start receiving after the 2nd policy year or defer up to the 10th year. 5% of sum assured annually . Option to accumulate with Prudential at a non-guaranteed interest rate
At the end of your policy term, you'll receive: The last Yearly Cash Benefit installment and all accumulated bonuses
Added annually from the 3rd year
One-off bonus paid at claim, surrender, or maturity
Additional one-off bonus at maturity
Your premiums are invested in Prudential's participating fund, which aims to maximize long-term returns while meeting solvency requirements. The fund invests in:
Past performance (after investment expenses):
Remember, past performance doesn't guarantee future results.
Want life insurance with potential for cash payouts and growth
Are looking for coverage until age 100
Prefer the option to receive regular cash benefits
Are comfortable with some investment risk for potential higher returns
Bonuses are not guaranteed and depend on fund performance
Early surrender may result in losses
The plan requires a long-term commitment for best results
Remember, the best insurance plan is one that fits your unique situation and goals. Take your time to understand the details and don't hesitate to ask questions.
Assess your financial goals and protection needs
Consider your budget and ability to pay premiums long-term
Compare with other insurance and investment options
Consult with a financial advisor for personalized advice
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on PRUFlexi Cash and similar insurance plans. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your financial future. Don't leave your protection and growth potential to chance – get the expert advice you deserve today .
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