# PRUActive Saver   
  III

**Insurer:** Prudential Singapore (Prudential Assurance Company Singapore (Pte) Limited)
**MAS licence:** —
**Insurer product page:** https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUActive%20Saver%20III_Summary.pdf

## Source wording

- **Effective from:** (not stated in document)
- **Ingested:** 2026-06-05
- **PDF source:** https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUActive%20Saver%20III_Summary.pdf
- **PDF sha256:** `28bd15a790f9bad798cb28ca10b73b86862e4092e13e792cf163c7969d47b09d`
- **Extraction confidence:** verified

## Extracted facts

### free look

```json
{
  "period_days": 14,
  "source_page": 9,
  "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

```json
[
  {
    "text": "There are certain conditions (such as death from suicide or Pre-existing Condition within 12 months from Cover Start Date or date of reinstatement (if any)) under which no benefits will be payable. These are stated as exclusions in the policy document.",
    "source_page": 1
  },
  {
    "text": "\"Pre-existing Condition\" is the existence of any signs or symptoms for which treatment, medication, consultation, advice or diagnosis has been sought or received by the life assured or would have caused an ordinary prudent person to seek treatment, diagnosis or cure, prior to the Cover Start Date or date of reinstatement (if any) of this benefit.",
    "source_page": 1
  }
]
```

### mwpa trust

```json
{
  "notes": "Not mentioned in the product summary.",
  "available": false
}
```

### cash values

```json
{
  "has_cash_value": true,
  "non_guaranteed_bonus": {
    "text": "Non-guaranteed benefits are in the form of Reversionary Bonus, Performance Bonus and Maturity Bonus. The bonuses are NOT guaranteed and will vary according to the future experience of the participating fund. The Reversionary Bonus rate is projected to be $8.50 per $1,000 Face Value and $19 per $1,000 on accumulated Reversionary Bonuses. Future bonuses which have yet to be allocated to the participating policyowner are not guaranteed and the insurer will decide the level of bonus to be declared each year as approved by the Board of Directors, taking into account the written recommendation by the Appointed Actuary.",
    "available": true,
    "bonus_types": [
      "reversionary",
      "terminal",
      "other"
    ],
    "source_page": 3,
    "par_fund_name": "Regular Premium Life Sub-fund"
  },
  "guaranteed_surrender_value": {
    "basis": "For single premium: immediate surrender value. For other premium payment terms: surrender value available after 36 months from first premium due date as long as premiums have been paid for 36 months. Guaranteed surrender value plus non-guaranteed surrender value payable upon surrender.",
    "available": true,
    "source_page": 2
  }
}
```

### policy loan

```json
{
  "available": true,
  "source_page": 2,
  "interest_basis": "non-guaranteed loan interest will be charged"
}
```

### grace period

```json
{}
```

### product type

```json
"endowment"
```

### policy basics

```json
{
  "maximum_policy_term_years": 30,
  "minimum_policy_term_years": 10
}
```

### premium terms

```json
{
  "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. All payments made will be according to the terms and conditions of the Supplementary Retirement Scheme. PRUActive Saver III is not a Medisave-approved policy and you may not use Medisave to pay the premium for this policy.",
    "source_page": 9,
    "special_account": false,
    "ordinary_account": false
  },
  "payment_modes": [
    "single",
    "annual",
    "semi-annual",
    "quarterly",
    "monthly"
  ],
  "premium_term_options": [
    {
      "label": "Single premium",
      "description": "single premium payment term",
      "source_page": 1
    },
    {
      "label": "Regular premium 5-pay to 30-pay",
      "description": "regular premium term from 5 to 30 years",
      "source_page": 1
    }
  ],
  "premium_review_clause": {
    "text": "The premium rate for the basic plan is guaranteed.",
    "reviewable": false,
    "source_page": 9
  }
}
```

### non forfeiture

```json
{
  "paid_up": {
    "text": "Not mentioned in the product summary.",
    "available": false
  },
  "source_page": 2,
  "extended_term": {
    "text": "Not mentioned in the product summary.",
    "available": false
  },
  "automatic_premium_loan": {
    "text": "Automatic Premium Loan, Policy Loan and Surgical & Nursing Loan are available. Please note that taking these loans will reduce the long term value of the policy. For automatic premium loan and policy loan, a non-guaranteed loan interest will be charged. Note: Automatic Premium Loan is not applicable to single premium policy.",
    "available": true
  }
}
```

### suicide clause

```json
{
  "source_page": 1,
  "payout_within_period": "death from suicide or Pre-existing Condition within 12 months from Cover Start Date or date of reinstatement (if any)) under which no benefits will be payable",
  "exclusion_period_months": 12
}
```

### document metadata

```json
{
  "wording_version": "Version 07/2025",
  "product_full_name": "PRUActive Saver III",
  "insurer_legal_entity": "Prudential Assurance Company Singapore (Pte) Limited",
  "document_published_date": "07/2025"
}
```

---

*This summary reflects the policy wording as ingested on 2026-06-05. For current terms, always verify against the source PDF or contact the insurer.*