PRUEnhanced Cover is a regular premium investment-linked insurance plan that has the flexibility to be with you up to selected policy term and with Extension of Coverage Term up to ANB 1001.
Comprehensive increasing protection on death, Total and Permanent Disability (TPD)2 up to 130% Basic Sum Assured3 and receive an additional 100% Basic Sum Assured4,5 for Accidental Death Benefit (ADB)
Optimise your protection with various optional riders to best suit your needs and affordability
Various investment-linked fund options, premium payment periods and policy terms with No-Lapse Provision6
Enjoy guaranteed rates of insurance charge for both the basic plan and its optional riders
Rest assured in enjoying Annual Booster7 and Loyalty Booster8 along the way
1PRUEnhanced Cover offers a selection of different policy term options up to ANB 70, 80, 90, 100 or 20 years (where applicable). This plan comes with Extension of Coverage Term to extend the term of basic plan up to the Policy Anniversary of Life Assured's ANB 100. For rider(s), if applicable, the rider’s term will be extended up to the Policy Anniversary of Life Assured’s ANB 100 or the rider's maximum coverage term, whichever is earlier. Unless you request to disable the Extension of Coverage Term, your policy will be auto extended as long as it has sufficient value of units to be deducted to pay for the relevant charges, fees and taxes during the extended term. To ensure sufficient value of units, additional premium is likely required during the extended term. During the extended coverage term, the coverage provided by the basic plan and rider(s) (if applicable) will remain the same.
2Prior to the Policy Anniversary of ANB 70 or expiry of policy, whichever is earlier. TPD Benefit is not applicable for entry ANB 70.
3Or value of units in Basic Unit Account (BUA), whichever is higher.
4The Basic Sum Assured is subject to the Increasing Basic Sum Assured table, any decrease of sum assured via endorsement and the accelerated sum assured paid out due to TPD.
5Accidental death coverage is available prior to the Policy Anniversary of ANB 70 or expiry of the policy, whichever is earlier. ADB is not applicable for entry ANB 70.
6Provided that all premiums due are paid and no withdrawals have been made from the BUA.
7Provided premium is paid up to date and policy is in force upon payout. If any partial withdrawal from BUA is made during the year, Annual Booster will be forfeited for the same policy year. During the first 10 policy year, if accumulated partial withdrawal amount from BUA is larger than or equal to 25% of total BUA premium paid, all future Annual Booster payable will be forfeited.
8Loyalty Booster will be adjusted according to the revised Basic Sum Assured due to any partial withdrawal from BUA.