HomeProtectEndowment Life Insurance PRU-SAFE
Pru - Safe

Endowment life insurance PRU-SAFE

Overview

PRU-SAFE, a comprehensive financial solution that helps customer feel secure in medical treatment and enjoy life against the risk of critical illnesses from the early stage.

Features

Critical illness benefit

Critical illness benefit

Protection up to 200% of Sum Assured for 72 cancer diseases & critical illnesses

Protection benefit

Protection benefit

Protection up to 300% of Sum Assured against death

Cash benefit

Cash benefit

Receive 30% of Sum Assured in cash at age 65

Future premium waiver

Future premium waiver

Waiver of premium payments right after the first late-stage critical illness

Product Details

Entry age Expiry age Policy term Premium term
15-60 years old 75 years old Until 75 years old From 15-50 years old: 15 years
From 51-60 years old: 65 minus entry age

Benefits

Benefit Detail
Critical Illness benefit Payable up to 200% of Sum Assured for 72 cancer diseases & critical illnesses

Multiple times of protection against Critical Illnesses (CI), especially the early-stage CI
Waiver of premium payments right after the first late-stage CI

Early-stage CI (25 diseases)
  • First Early-stage: 30% Sum Assured
  • Second Early-stage: 30% Sum Assured
Late-stage CI (47 diseases)
  • First Late-stage: Maximum 100% Sum Assured & waiver of premium
  • Second Late-stage: 200% Sum Assured + accumulated Reversionary Bonuses and Terminal bonus (if any) – all benefits paid out (if any)
Death Benefit Payable up to 300% Sum Assured against death

200% Sum Assured + accumulated Reversionary Bonuses and Terminal bonus (if any) – all benefits paid out (if any) + 100% Sum Assured for accidental death
Cash Benefit Receive 30% of Sum Assured in cash at age 65

Cash benefit pay-out at retirement age helps customer fulfill personal plans
Maturity Benefit Receive attractive benefit on Policy Maturity Date

200% Sum Assured + accumulated Reversionary Bonuses and Terminal bonus (if any) – all benefits paid out (if any)
Note:
All product features and insurance benefits listed in this document are only for summary purposes and are for reference only. All corresponding benefits and conditions will be implemented in accordance with the provisions of the Insurance Terms and Condition approved by Prudential.

Exclusions

Exclusion in case of Death
chevron
  • Suicide of self-inflicted injury whether sane or insane, within two (2) years after Policy Effective Date or the effective date of any reinstatement of Insurance Policy, whichever is later; or
  • Due to an intentional act of Policyholder, Beneficiary against Life Assured; or
  • Any Human Immunodeficiency Virus (HIV) and/or any HIV-related illnesses including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or variations thereof (except for case of Occupationally Acquired HIV defined in the Appendix of these Terms and Conditions) ; or
  • Deaths due to the execution of the death sentence.

Prudential shall not pay any critical illnesses benefit if signs or symptoms of illness exist:

  • prior to Policy Effective Date or the latest Reinstatement Date, whichever is later; or
  • within 90 days following Policy Effective Date or the latest Reinstatement Date, whichever is later, whether the Critical Illness is diagnosed or not (except that the Critical Illness is a result of an Accident and Life Assured is diagnosed of suffering from Critical Illness within 90 days from the date of Accident).
  • Illness of Life Assured is the direct results of:
  • suicide of self-inflicted injury whether sane or insane, within 2 years after Policy Effective Date or the latest reinstatement date of policy, whichever is later; or
  • Any Human Immunodeficiency Virus (HIV) and/or any HIV-related illnesses including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or variations thereof except for case of Occupationally Acquired HIV stated and HIV Infection Due to Blood Transfusion in Appendix; or
  • Under the impact of the use of narcotics, psychotropic drugs, alcohol, poisons, gas or similar substances, or drugs, unless the substance is used as a drug prescription issued by a Doctor and this influence is the cause of Accident; or
    • Participate in flying aircrafts or any aviation activities except for as a fare-paying passenger of scheduled and licensed commercial aircrafts; or
  • War whether declared or not, insurrection, rebellion, or mutiny; or
  • Engage or take part in dangerous activities of Life Assured such as scuba diving, bungee jumping, mountain climbing, racing of any kind, hang gliding, ballooning, parachuting and sky diving; or
  • Any event giving rise to a claim on an insured caused directly or indirectly by the intentional act of Policyholder, Life Assured and/or anyone who is entitled to the benefit payable. 

The terms & conditions herein are for reference only. Details of the terms of the Insurance Contract are specified in the Terms & Conditions of the product.

Reference

1. Term and Conditions, click here.

2. Brochure, click here.

3. Benefit Illustration, click here.

Fill in online form
for detailed consultation