{
  "generated_at": "2026-06-05T12:32:40.774Z",
  "site_base": "https://lifeinsurance.com.sg",
  "insurer": {
    "slug": "prudential",
    "name": "Prudential Singapore",
    "legal_entity": "Prudential Assurance Company Singapore (Pte) Limited",
    "mas_license_type": null,
    "mas_fi_directory_url": null
  },
  "product": {
    "slug": "pruactive-linkguard",
    "name": "PRUActive         \n  LinkGuard",
    "status": "active",
    "positioning_summary": null,
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUActive%20LinkGuard%20Product%20Summary.pdf"
  },
  "wording": {
    "wording_version": "2026-06-05",
    "effective_from": null,
    "ingested_at": "2026-06-05T10:42:24.603792+00:00",
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUActive%20LinkGuard%20Product%20Summary.pdf",
    "pdf_hash": "3978da4d00278d994b250b7b3a608757915d1c7764e7d0611116e76d667d191a",
    "page_count": null
  },
  "facts": {
    "riders": [
      {
        "name": "Crisis Protect benefit",
        "rider_type": "critical-illness",
        "description": "Can be added as part of your basic benefit to your policy at any time if the benefit is available, you are paying your regular premiums, we decide that the life assured is in good health, the life assured is below 45 years old, and your policy has not ended.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Early Crisis Protect benefit",
        "rider_type": "early-critical-illness",
        "description": "Can only be added if you have added the Crisis Protect benefit. Available if the benefit is available, you are paying your regular premiums, life assured is in good health, life assured is below 45 years old, and your policy has not ended.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Crisis Care benefit",
        "rider_type": "critical-illness",
        "description": "Can be added as part of your basic benefit to your policy at any time if the benefit is available, you are paying your regular premiums, we decide that the life assured is in good health, the life assured is below 45 years old, and your policy has not ended. You can only add either Crisis Protect or Crisis Care, but not both.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Early Crisis Care benefit",
        "rider_type": "early-critical-illness",
        "description": "Can only be added if you have added the Crisis Care benefit. Available if the benefit is available, you are paying your regular premiums, life assured is in good health, life assured is below 45 years old, and your policy has not ended.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Disability Provider III",
        "rider_type": "tpd",
        "description": "Supplementary benefit available to add to your policy at any time if the supplementary benefit is available, you are paying your regular premiums, the life assured is in good health, the life assured is within the age limits, you pay the extra premium, and your policy has not ended.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Accident Assist",
        "rider_type": "accidental-death",
        "description": "Supplementary benefit available to add to your policy at any time subject to conditions.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Fracture Care PA",
        "rider_type": "other",
        "description": "Supplementary benefit available to add to your policy at any time subject to conditions.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Crisis Waiver III",
        "rider_type": "waiver-of-premium",
        "description": "Supplementary benefit available to add to your policy at any time subject to conditions.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Early Stage Crisis Waiver",
        "rider_type": "waiver-of-premium",
        "description": "Supplementary benefit available to add to your policy at any time subject to conditions.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Payer Security III",
        "rider_type": "payor-benefit",
        "description": "Supplementary benefit available to add to your policy at any time subject to conditions.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Payer Security Plus",
        "rider_type": "payor-benefit",
        "description": "Supplementary benefit available to add to your policy at any time subject to conditions.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Early Payer Security",
        "rider_type": "payor-benefit",
        "description": "Supplementary benefit available to add to your policy at any time subject to conditions.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "PruSmart Lady II",
        "rider_type": "other",
        "description": "Supplementary benefit available to add to your policy at any time subject to conditions.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      },
      {
        "name": "Crisis Cover Kids",
        "rider_type": "critical-illness",
        "description": "Supplementary benefit available to add to your policy at any time subject to conditions.",
        "source_page": 7,
        "available_at_inception": true,
        "available_after_inception": true
      }
    ],
    "free_look": {
      "period_days": 14,
      "source_page": 21,
      "refund_basis": "we will refund you the premiums you have paid (without interest), less any medical fees and other expenses, such as payments for medical check-ups and medical reports, incurred by us. We use a premium refund formula as determined by us to work out the amount to be refunded. As your policy is an investment-linked life policy, we will, in determining the amount that is payable to you, additionally be entitled to adjust the amount to reflect the change in market value of the underlying assets."
    },
    "exclusions": [
      {
        "text": "If the life assured dies from an activity under special exclusion and special terms and conditions shown in your certificate of life assurance, we do not pay the death benefit but we will either: pay you the value of all the units in your account; or refund the total premiums paid by you, minus any withdrawals, whichever is higher, less any outstanding amounts you owe us.",
        "source_page": 2
      },
      {
        "text": "If the life assured commits suicide within 12 months from the cover start date or date of reinstatement (if any) of your policy, we will void your policy.",
        "source_page": 2
      },
      {
        "text": "We do not pay [Accelerated Terminal Illness Benefit] if the life assured has already died at the time of the claim.",
        "source_page": 3
      },
      {
        "text": "We do not pay [Accelerated Terminal Illness Benefit] if the symptoms of the terminal illness existed at the cover start date or date of reinstatement (if any) of this benefit.",
        "source_page": 3
      },
      {
        "text": "We do not pay [Accelerated Terminal Illness Benefit] if the life assured is diagnosed as having a terminal illness caused by: self-inflicted injuries while sane or insane; AIDS, AIDS-related complex or infection by HIV except HIV due to a blood transfusion and occupationally acquired HIV; using unprescribed drugs if the drugs are required by law to be prescribed by a registered medical practitioner; or an activity under the special exclusions and special terms and conditions shown on your certificate of life assurance.",
        "source_page": 3
      },
      {
        "text": "We do not pay [Total and Permanent Disability Benefit] if the disability claim was made when the life assured had already died at the time of the claim (we will pay the death benefit instead); happened when the life assured was below 28 days old; existed at the cover start date or date of reinstatement (if any) of this benefit; or arises directly or indirectly out of: attempted suicide or self-inflicted injuries while sane or insane; travelling on a non-commercial airline except military aircraft; or an activity under the special exclusions and special terms and conditions shown on your certificate of life assurance.",
        "source_page": 5
      }
    ],
    "cash_values": {
      "has_cash_value": true,
      "non_guaranteed_bonus": {
        "available": false
      },
      "guaranteed_surrender_value": {
        "basis": "Surrender value = value of units in account less surrender charge (if any) plus any premium paid but not yet invested. Surrender charge applies within first 3 premium-paying years: 100% in months 1-12, 100% in months 13-24, 50% in months 25-36, 0% from month 37 onwards.",
        "available": true,
        "source_page": 12
      }
    },
    "policy_loan": {
      "available": false
    },
    "grace_period": {
      "days": 30,
      "source_page": 14
    },
    "product_type": "investment-linked",
    "underwriting": {
      "source_page": 15,
      "smoker_loading": true,
      "occupational_rating": "If you are required to pay extra for medical, occupational or hazardous activities, these will be added to the assurance charge.",
      "pre_existing_treatment": "If the symptoms of the terminal illness existed at the cover start date or date of reinstatement (if any) of this benefit, we do not pay. Disability that existed at the cover start date or date of reinstatement (if any) of this benefit is also excluded."
    },
    "policy_basics": {
      "maximum_entry_age": {
        "basis": "age-last-birthday",
        "years": 59,
        "source_page": 9
      },
      "minimum_sum_assured": {
        "amount": "the minimum sum assured as indicated by Prudential at the time of application or reduction",
        "currency": "SGD",
        "source_page": 9
      },
      "maximum_coverage_age": "whole-of-life"
    },
    "premium_terms": {
      "cpf_eligible": {
        "srs": false,
        "notes": "PRUActive LinkGuard is not a Medisave-approved policy and you may not use Medisave to pay the premium for this policy.",
        "source_page": 21,
        "special_account": false,
        "ordinary_account": false
      },
      "payment_modes": [
        "annual",
        "semi-annual",
        "quarterly",
        "monthly"
      ],
      "minimum_premium": {
        "amount": 75,
        "currency": "SGD",
        "source_page": 7
      },
      "premium_term_options": [
        {
          "label": "Regular premium",
          "description": "Minimum premium is $900 (annually); $450 (semi-annually); $225 (quarterly); or $75 (monthly).",
          "source_page": 7
        }
      ]
    },
    "reinstatement": {
      "conditions": "you apply within 24 months from the end date of your policy; you pay all the premiums you owe; the life assured is under 60 years old; and you give us satisfactory evidence of the health of the life assured. You must pay the costs involved in this.",
      "source_page": 11,
      "window_years": 2
    },
    "non_forfeiture": {
      "paid_up": {
        "text": "Not described in the product summary.",
        "available": false
      },
      "source_page": 14,
      "extended_term": {
        "text": "Not described in the product summary.",
        "available": false
      },
      "automatic_premium_loan": {
        "text": "Not applicable to this investment-linked policy. If you fail to pay a premium on time or you stop paying your premiums and there are units in your account, your policy automatically continues at the same sum assured or Multiplier benefit (if this applies) for the same basic benefits. We continue to bill you for the administration charge and the assurance charge by using the units in your account. When there are no more units in your account, your policy ends on the next billing date.",
        "available": false
      }
    },
    "suicide_clause": {
      "source_page": 2,
      "payout_within_period": "If the life assured commits suicide within 12 months from the cover start date or date of reinstatement (if any) of your policy, we will void your policy. In this case, we cancel it and refund the premiums received from you. We will first deduct any withdrawals, all outstanding amounts you owe us in connection with your policy and expenses (including administrative, sales-related and medical expenses) we have had to pay on your policy. We use a premium refund formula that is decided by us, to work out the amount to refund you.",
      "exclusion_period_months": 12
    },
    "document_metadata": {
      "product_full_name": "PRUActive LinkGuard",
      "insurer_legal_entity": "Prudential Assurance Company Singapore (Pte) Limited"
    },
    "terminal_illness_benefit": {
      "available": true,
      "source_page": 3,
      "acceleration_percent": 100,
      "qualifying_definition": "A terminal illness is defined as a condition which, in the opinion of a registered medical practitioner, and our appointed doctor agrees, is highly likely to lead to death within 12 months."
    }
  },
  "confidence_tier": "verified"
}