PRUcash max limited pay

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Personal Banking
Insurance
Life Insurance

Haven’t you always wished for a policy that gives you the flexibility of a shorter premium term while also offering you liquidity with a Yearly CashBack¹?

Presenting the new PRUcash max limited pay, a savings plan that provides future financial security plus yearly access¹ to cash that you can use as you wish.

You can sign up for PRUcash max limited pay with a premium term of 5 years and coverage for 15 years, or with a premium term of 15 years and coverage for 25 years.

Yearly CashBack¹ and lump sum pay out upon maturity:
Two smart ways to enjoy your Yearly CashBack¹
- Get a Yearly CashBack after the second policy anniversary, to be used as you wish
- Accumulate the Yearly CashBack and reinvest⁷ with Prudential
Death Benefit³
- In the event of death, you can ensure that your family is still taken care of.
Hassle-free application
- You don’t need to go for any medical check-ups when you apply for PRUcash max limited pay.
Additional coverage for more complete protection⁴
- You can supplement your policy with more benefits for even better coverage. Choose from a range of supplementary benefits that complement PRUcash max limited pay.
How PRUcash max limited pay works:
- Example 1:
  Mr. Lim, a non-smoker, aged 45 on his next birthday, hopes to continue growing his assets. In addition, he would also like access to cash.
  
  This is how PRUcash max limited pay can help Mr. Lim:
  Mr. Lim needs to set aside approximately S$1,069⁵ a month for the next 5 years. After the second policy anniversary, he’ll start to receive a guaranteed Yearly CashBack¹ of S$2,000 (i.e. 5% of Face Value).
  
  This diagram is for illustrative purposes only and is not drawn to scale.
  
  If Mr Lim chooses to accumulate the Yearly CashBack¹, he can potentially receive up to S$92,844^6,7 at maturity.
  
  Example 2:
  Mr Tan, non-smoker, age 45 on his next birthday, wants to plan for a comfortable retirement by setting aside approximately S$913⁸ per month for the next 15 years while he is still active at work.
  
  This diagram is for illustrative purposes only and is not drawn to scale.
  
  If Mr Tan chooses to accumulate the Yearly CashBack¹, he can potentially receive up to S$303,116^6,7 at maturity.
  
  Prucash max limited pay is a plan offered by Prudential Assurance Company Singapore (Pte) Limited ("Prudential Singapore") under the 6th Series.

To find out more, speak to a UOB Personal Banker today at your nearest UOB Group Branch.

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Footnotes

¹ Yearly CashBack starts after the second policy anniversary.
² Bonuses are not guaranteed and will vary according to the future experience of the participating fund.
³ Prudential Singapore will pay the higher of 105% of the total premiums paid (excluding premiums for supplementary benefits, if any) as at the time of death, or 101% of the surrender value as (excluding cashback and interest, if any) at the time of death, less any outstanding loans.
⁴ Medical underwriting is required for adding supplementary benefits.
⁵Premium quoted is on an annual basis for a non-smoking male, age 45 on next birthday, with an annual premium of S$12,826 and a Face Value of S$40,000. Premiums for PruCash Max Limited Pay, excluding supplementary benefits, are guaranteed to be of a flat rate provided premiums are paid within 30 days of the date they are due.
⁶The illustrated values use bonus rates assuming a projected investment rate of 5.25% p.a. As bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund.
⁷For the accumulation of CashBack, we pay a non-guaranteed interest of 3% p.a. This interest rate may vary and any changes will be made known to you.
⁸ Premium quoted is on an annual basis for a non-smoking male, age 45 next birthday, with an annual premium of approximately S$10,945 for 15 years and a Face Value of $80,000.
⁹For avoidance of doubt, the death benefit is not the Face Value. The Face Value is used for the calculation of the Yearly CashBack and Maturity Proceeds.

Important Notice and Disclaimers:
Buying a life insurance policy is a long term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. This marketing material is not a contract of assurance nor is it intended as an offer or recommendation with respect to the purchase or sale of the above product. Acceptance of the proposal is subject to underwriting. The precise terms and conditions of the above product are specified in the policy. The above is for general information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from a financial adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether this product is suitable for you. In case of inconsistency between the English and Chinese versions, the English version shall apply and prevail.

United Overseas Bank Limited does not hold itself out to be an insurer, insurance broker or insurance agent. The insurance products and services stated herein are provided by Prudential Assurance Company Singapore (Pte) Limited.

United Overseas Bank Limited Co. Reg. No. 193500026Z
Prudential Assurance Company Singapore (Pte) Limited. Reg. No. 199002477Z

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PRUcash max limited pay

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