{ "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-retirement-ii", "name": "PRUActive Retirement\n II", "status": "active", "positioning_summary": null, "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUActive%20Retirement%20II%20Summary.pdf" }, "wording": { "wording_version": "2026-06-05", "effective_from": null, "ingested_at": "2026-06-05T11:39:14.158738+00:00", "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUActive%20Retirement%20II%20Summary.pdf", "pdf_hash": "a172ab94b13e8afaddcc85592ed97aa77d9abb1654d77aa8c23fa21ee6ec5b1d", "page_count": null }, "facts": { "riders": [ { "name": "Accidental Disability Benefit", "rider_type": "tpd", "description": "If the life assured becomes totally and permanently disabled because of an accident before the cover end date of the Accidental Disability Benefit as shown in your certificate of life assurance, we pay an extra monthly instalment which is equal to the guaranteed monthly income (Disability Monthly Income) up to a maximum amount of $6,250 for each disability monthly income instalment. We pay this Disability Monthly Income from the next month following the date of disability until the maturity of the policy or when the life assured dies, whichever event happens first. If the policy has a regular Premium Payment Term, and when the disability of the life assured because of an accident is confirmed, we will waive any future premiums due on your policy.", "source_page": 4, "available_at_inception": true, "available_after_inception": false }, { "name": "Surviving Spouse Benefit", "rider_type": "other", "description": "An optional benefit available on a policy that has a husband and wife as joint owners of the policy. Should the Main Life Assured die after the premium payment term, the policy will continue on the life of the Successor Life Assured (the spouse) rather than paying out the Death Benefit. You are allowed to appoint or change the spouse as the Successor Life Assured up to 3 times throughout the policy term.", "source_page": 5, "available_at_inception": true, "available_after_inception": true } ], "free_look": { "period_days": 14, "source_page": 11, "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." }, "exclusions": [ { "text": "If the life assured dies from suicide within 12 months from the cover start date of your policy or from the date of reinstatement (if any), we will void your policy, we cancel it and refund the total premiums received from you.", "source_page": 3 }, { "text": "If the life assured dies from a pre-existing Condition within 12 months from the cover start date of your policy or from the date of reinstatement (if any), we will refund the total premiums received from you.", "source_page": 3 }, { "text": "We do not pay Accidental Disability Benefit if the disability existed at the cover start date or date of reinstatement (if any) of this benefit and if the accidental disability of the life assured arises directly or indirectly out of one of the following: From war, riot, revolution or any similar event; From terrorism involving nuclear, biological or chemical agents; From illnesses or diseases of any kind, including fits, hernia, venereal disease, acquired immunodeficiency syndrome (AIDS) or food poisoning; From illnesses or diseases as a result of bites from, or contact with, an animal or insect, if they are infected by, or is a carrier of, illnesses or diseases; From a physical or mental condition which existed at the cover start date or date of reinstatement (if any) of this benefit; Accidents arising and due to pregnancy or confinement and related complications; Deliberate acts such as taking intoxicating liquor or drugs, committing suicide or attempted suicide or deliberate self-injury while sane or insane; Unlawful acts or deliberate and reckless exposure to unnecessary danger except in trying to save a human life; Any injury suffered while the life assured is committing or is attempting to commit an offence or is resisting arrest; injuries as a result of committing, attempting or provoking an assault; From a state of unsound mind; Taking part in a dangerous activity or sports unless carried out legally under the supervision of a licensed organisation; Taking part in professional or competitive sports if the life assured would or could earn income or pay from doing so; Being in an aircraft of any type, or boarding or getting off any aircraft, except as a fare-paying passenger in an aircraft that is on a regular scheduled route operated by a commercial airline; Radiation or contamination from radioactivity; Racing of all kinds, other than on foot or bicycle; Taking part in commando or bomb-disposal duties or training, active military duties such as maintaining civil order, taking part in hostilities, whether war is declared or not, and travel by military aircraft or waterborne vessel.", "source_page": 4 } ], "mwpa_trust": { "notes": "You cannot appoint a Successor Life Assured if your policy already has a nomination of beneficiary or a trust has been created under your policy.", "available": false, "source_page": 5 }, "cash_values": { "has_cash_value": true, "non_guaranteed_bonus": { "text": "Non-guaranteed benefits are in the form of Reversionary Bonus, Performance Bonus, Non-Guaranteed Monthly Income and Maturity Bonus which are NOT guaranteed and will vary according to the future experience of the participating fund.", "available": true, "bonus_types": [ "reversionary", "terminal", "other" ], "source_page": 7, "par_fund_name": "Par Retirement SGD Sub-fund (PRSF)" }, "guaranteed_surrender_value": { "basis": "The surrender value is available after 36 months from your first premium due date and you have paid premiums for 36 months. For PRUActive Retirement II policy of a single premium payment, we give you an immediate surrender value. The guaranteed surrender value plus non-guaranteed surrender value will be payable upon surrender of your policy.", "available": true, "source_page": 5 } }, "policy_loan": { "available": true, "source_page": 5, "interest_basis": "non-guaranteed loan interest will be charged" }, "grace_period": { "days": 30, "source_page": 11 }, "product_type": "endowment", "policy_basics": { "maximum_entry_age": { "basis": "as-stated", "years": 65, "source_page": 4 }, "minimum_entry_age": { "basis": "as-stated", "years": 18, "source_page": 4 }, "maximum_coverage_age": { "basis": "as-stated", "years": 90, "source_page": 1 } }, "premium_terms": { "cpf_eligible": { "srs": true, "notes": "If you bought your Policy using your SRS funds, your Policy is subject to the terms and conditions of the Supplementary Retirement Scheme which shall overrule these terms and conditions in the event of any conflict or inconsistency. PRUActive Retirement II is not a Medisave-approved policy and you may not use Medisave to pay the premium for this policy.", "source_page": 11, "special_account": false, "ordinary_account": false }, "payment_modes": [ "single", "annual", "semi-annual", "quarterly", "monthly" ], "premium_term_options": [ { "label": "single premium or regular pay (4 years up to chosen Payout Age)", "description": "Choice of Premium Payment Term from single premium or over 4 years up to your chosen Payout Age", "source_page": 1 } ], "premium_review_clause": { "text": "The premium rate for the basic plan is guaranteed.", "reviewable": false, "source_page": 11 } }, "non_forfeiture": { "paid_up": { "text": "Not mentioned in this document.", "available": false }, "source_page": 5, "extended_term": { "text": "Not mentioned in this document.", "available": false }, "automatic_premium_loan": { "text": "Automatic Premium Loan is available. Please note that taking these loans will reduce the long term value of the policy. For automatic premium loan, a non-guaranteed loan interest will be charged. Note: Automatic Premium Loan is not applicable to single premium policy.", "available": true } }, "suicide_clause": { "source_page": 3, "payout_within_period": "If the life assured dies from suicide within 12 months from the cover start date of your policy or from the date of reinstatement (if any), we will void your policy, we cancel it and refund the total premiums received from you. We will deduct any policy loans (including interest), automatic premium loans (including interest), surgical and nursing loans and all other amounts you owe us in connection with your policy and expenses (including administrative, sales-related and medical expenses) we have had to pay for your policy.", "exclusion_period_months": 12 }, "document_metadata": { "wording_version": "Version 07/2025", "product_full_name": "PRUActive Retirement II", "insurer_legal_entity": "Prudential Assurance Company Singapore (Pte) Limited (Reg. No 199002477Z)", "document_published_date": "07/2025" } }, "confidence_tier": "verified" }