Give them every advantage, protect them with everything you have.

Give them
every advantage,
protect them with
everything you have.
prutermVantage
Enjoy high-value yet flexible coverage that
matches both your status as well as your needs.
You lead, you guide, you inspire. Respect and recognition welcome you, wherever you go. While you
believe that success is its own reward, you also savour all the other pleasures it brings – the most
gratifying of which is an extremely comfortable lifestyle, for you and your family.
As a thoughtful provider, you want your loved ones to always have the best, come what may.
You want the assurance that those nearest and dearest to you will always be well looked after.
PRUTerm Vantage, yet another offering from the PRUVantage portfolio, has been created especially for
people at the pinnacle of achievement – it provides high-value yet flexible coverage that matches both
your status as well as your needs.
PRUTerm Vantage. It’s your gift of love.
With a minimum sum assured of S$500,0001, this term plan offers you peace of mind against the twists
of fate. It’s an ideal way to ensure that, no matter what, your loved ones will always have enough money
to enjoy life’s comforts. This plan is available in Singapore dollars or US dollars1.
Higher coverage, greater flexibility
Give your family the protection they need, for 10 years or longer if you so desire.
The reassurance of a lump sum
In the event of Death or Terminal Illness2, your family can draw comfort from the lump sum payment of
the sum assured.
Also available for non-Singapore citizens or Permanent Residents of Singapore
You don’t have to be a Singapore citizen or Permanent Resident to sign up for PRUTerm Vantage –
the policy is yours to enjoy even if you’re an expatriate in Singapore.
Covers you till 100 years of age
You can choose to be protected against Death and Terminal Illness2 all the way until you reach 100 years
of age3.
Increase your protection as your needs change
You can increase4 your Death coverage up to 2 times of your original PRUTerm Vantage sum assured to
meet your protection needs. This feature is available for Singapore dollar plan only.
Works with the protection you already have
PRUTerm Vantage also comes with optional supplementary benefits which can be added to the plan
to help you enhance your coverage. The following optional supplementary benefits are available for
Singapore dollar plan only.
•Add Crisis Care (PRUTerm Vantage) 5 to your PRUTerm Vantage plan to enjoy high coverage
of up to S$3.6 million on Critical Illness and coverage of up to S$250,000 against selected
Diabetic Complications6.
•
Add Crisis Cover Vantage7 to your PRUTerm Vantage plan for high coverage of up to
S$3.6 million on Critical Illness. Even if the illness is at its early stage, this is the only plan
that offers a payout of up to S$500,000 upon diagnosis of Early Stage Medical Conditions6.
Crisis Cover Vantage also provides coverage against Accidental Death6 and up to S$250,000
coverage on selected Diabetic Complications6.
•Add Early Stage Crisis Waiver and Crisis Waiver III Benefits6 to waive your future premiums
upon the diagnosis of early or intermediate stage medical conditions and critical illnesses
respectively.
•
You can also add8 Disability Provider III, Early Stage Crisis Cover, PRUsmart lady II and
Fracture Care PA to give you the coverage based on your needs.
Optional Accelerated Disability Benefit9, which is available for both Singapore and US dollar plans,
covers you against Total and Permanent Disability and provides a greater peace of mind for you.
How PRUTerm Vantage complements your existing insurance policies
The customer:
Mr. Lim, a Singapore resident, who’ll be 40 years old on his next birthday, has 3 young children and is the family’s sole
breadwinner. He has already planned for his retirement (along with his wife) as well as his children’s education needs.
The need:
After looking at his financial plans, he realises there’s a huge shortfall in his own protection needs – and is interested in
topping up his coverage for the next 25 years so that his family will be well looked after in the event of his premature
Death, Terminal Illness, Critical Illness or Total and Permanent Disability.
The solution:
He signs up for PRUTerm Vantage for a premium of just S$4,70810 per year, which includes the optional Accelerated
Disability and Crisis Care (PRUTerm Vantage) Benefits10.
The reassurance:
Mr. Lim suffered from a Heart Attack at age 50 and received a lump sum payout of S$500,000. The PRUTerm Vantage sum
assured reduces to S$500,000 after the payout. In the event of Mr. Lim’s Death, Terminal Illness or Total and Permanent
Disability, his family will receive the balance S$500,000 in a lump sum, which will see them through difficult times.
Contact your Prudential Financial Consultant today!
Call our PRUCustomer Line at 1800 333 0 333 or email us at
customer.service@prudential.com.sg
Alternatively, you can visit our website at www.prudential.com.sg
Footnotes:
1. The PRUTerm Vantage plan (SGD) has a minimum sum assured of S$500,000 against Death and Terminal Illness. The
minimum and maximum entry age for PRUTerm Vantage is age 21 and 75 next birthday respectively. For PRUTerm
Vantage (USD), the minimum sum assured is US$500,000 and different benefit limit may apply.
2. PRUTerm Vantage provides coverage against Death and Terminal Illness during the policy term. The Life Assured
can only claim either Death or Terminal Illness but not both.
3. Based on age at next birthday.
4. Subject to a minimum sum assured of S$500,000 per application and at least 12 months after the policy cover start
date or any reduction of sum assured (if any), with a minimum term of 6 years.
5. Optional Crisis Care (PRUTerm Vantage) is available for age next birthday 21 to 65 years, with a minimum sum assured of
S$250,000.
6. Please refer to the policy documents for the exact terms and conditions and specific details applicable to this benefit.
7. Optional Crisis Cover Vantage is available for age next birthday 21 to 65 years, with a minimum sum assured of
S$500,000.
8. We reserve the right to accept or reject any application at our sole discretion.
9. Optional Accelerated Disability Benefit provides coverage against Total and Permanent Disability during the term of
the policy, and before the anniversary of the policy on which the Life Assured will attain the age of 65.
10.The premium is quoted based on a 25-year policy term for Singapore resident, non-smoking male, aged 40 next birthday
and includes the optional Accelerated Disability and Crisis Care (PRUTerm Vantage) benefits. The PRUTerm Vantage
and Accelerated Disability Benefit sum assured is S$1,000,000 and the Crisis Care (PRUTerm Vantage) Benefit sum
assured is S$500,000.
Note:
Buying a life insurance policy is a long-term commitment. This plan has no cash value. Buying health insurance products
that are not suitable for you may impact your ability to finance your future healthcare needs. You are recommended to
seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable
to meet your needs. This brochure is for reference only and is not a contract of insurance. Please refer to the exact terms
and conditions, specific details and exclusions applicable to these insurance products in the policy documents that can be
obtained from a Prudential Financial Consultant. Premiums for some of the supplementary benefits are not guaranteed
and may be adjusted based on future claims experience. In case of discrepancy between the English and Mandarin versions
of this brochure, the English version shall prevail. Information is correct as at 3 February 2015.