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In your life, you always look forward to certain milestones. It may be the birth of a child in your family, the education of your children or purchasing a new home. These milestones require finances to achieve them. What you need is an insurance plan that not only provides your family with adequate cover against any unfortunate event happening with your life, but also provides you with cash at regular intervals to take care of financial requirements at these milestones.
PRUcash is a single plan that combines Protection, Savings and Liquidity.
It is a fixed term policy which can be purchased for terms of 20 to 30 years, in multiple of 2 years with premiums paid throughout the term of policy. Survival benefit payments of 6% of the sum assured will be paid every two years to provide you with liquidity. This extra cash allows you to pay for the little pleasures in life, so while you are saving up for your future, you do not lose the opportunity to enjoy life.
What do I get?
You may choose to either receive survival benefit as cash or accumulate the same and earn compounded interest during the entire policy term. On the death of the life assured, the beneficiary will receive the full sum assured, as well as any attaching bonuses and accumulated cash, irrespective of the survival benefits already paid.
Apart from the cash survival benefit, Prudential also lets you share in the profits when you receive the Reversionary Bonus and Terminal Bonus. The bonuses are declared annually and are payable upon death or total permanent disability (TPD), policy maturity or upon surrender of policy.
For protection to your family against any unfortunate health hazards or eventuality, we also offer you optional benefits with your PRUcash plan. You may enhance your plan by adding these optional benefits ranging from medical, accidental, waiver of premium and term insurance.
How much do I pay?
The premium rate will vary by entry age, gender and smoking status.
Who can sign up?
All adults who are between 16 and 50 years*. Parents can also buy for their children who are between 1 and 15 years* under a juvenile plan.
*Age next birthday
To find out more
You can contact your Prudential representative for details on this plan and to obtain a free consultation on your insurance needs.
