{ "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-term", "name": "PRUActive Term", "status": "active", "positioning_summary": null, "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUActive_Term_PS.pdf" }, "wording": { "wording_version": "2026-06-05", "effective_from": null, "ingested_at": "2026-06-05T10:59:10.692807+00:00", "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUActive_Term_PS.pdf", "pdf_hash": "95032db640ba52915b95237ce4be23807314d5f568a154c4712f83c48ac1316d", "page_count": null }, "facts": { "free_look": { "period_days": 14, "source_page": 7, "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 directly or indirectly from an activity under special exclusion or special terms and conditions shown in your certificate of life assurance, we do not pay the sum assured but we will refund the total premiums, without interest, received from you less expenses (including administrative, sales-related and medical expenses) we have had to pay for your policy.", "source_page": 2 }, { "text": "If the life assured dies from suicide within 12 months from the cover start date or date of reinstatement (if any) of your policy, we will make your policy void. In this case, we cancel it and refund the total premiums, without interest, received from you less expenses (including administrative, sales-related and medical expenses) we have had to pay for your policy.", "source_page": 2 }, { "text": "Terminal Illness in the presence of HIV infection is excluded.", "source_page": 2 }, { "text": "There are certain conditions under which no benefits will be payable. These are stated as exclusions in your policy document. You are advised to read your policy document for the full details of these exclusions.", "source_page": 6 } ], "cash_values": { "has_cash_value": true, "non_guaranteed_bonus": { "available": false }, "guaranteed_surrender_value": { "basis": "Available after 36 months from first premium due date as long as premiums have been paid for 36 months; only applies if premium payment term is shorter than policy term.", "available": true, "source_page": 5 } }, "policy_loan": { "available": true, "source_page": 5, "interest_basis": "non-guaranteed loan interest; yearly interest rate that may vary, accrues on a daily basis; Prudential will give three months' written notice of any rate change" }, "grace_period": { "days": 30, "source_page": 7 }, "product_type": "term-life", "policy_basics": { "maximum_coverage_age": { "basis": "as-stated", "years": 82, "source_page": 1 }, "maximum_policy_term_years": 82, "minimum_policy_term_years": 10 }, "premium_terms": { "cpf_eligible": { "srs": false, "notes": "PRUActive Term is not a Medisave-approved policy and you may not use Medisave to pay the premium for this policy.", "source_page": 7, "special_account": false, "ordinary_account": false }, "payment_modes": [ "annual", "semi-annual", "quarterly", "monthly" ], "premium_term_options": [ { "label": "5 to 82 years", "description": "This plan allows policyowner to choose between a range of premium payment terms from 5 to 82 years and a range of policy terms from 10 to 82 years.", "source_page": 1 } ], "premium_review_clause": { "text": "We guarantee that the premiums for your policy will remain unchanged throughout its premium term as long as you pay the premiums within 30 days of the date they are due.", "reviewable": false, "source_page": 7 } }, "non_forfeiture": { "paid_up": { "available": false }, "source_page": 5, "extended_term": { "available": false }, "automatic_premium_loan": { "text": "If you fail to pay a premium on time and your policy has enough surrender value, we grant you an automatic premium loan. We charge a yearly interest rate on the loan amount starting from the date of the loan. This interest rate may vary and accrues on a daily basis. On each policy anniversary of your policy, we add the previous year's interest to the loan amount and charge interest on the total until the loan is repaid. We can change the interest rate but will give you three months' written notice if we do so. The loan amount and interest will be amounts you owe us. You can repay the loan at any time. We take off the loan amount and interest from any payment we make under your policy. If the total amount you owe us under your policy is more than the surrender value, your policy will end immediately.", "available": true } }, "suicide_clause": { "source_page": 2, "payout_within_period": "If the life assured dies from suicide within 12 months from the cover start date or date of reinstatement (if any) of your policy, we will make your policy void. In this case, we cancel it and refund the total premiums, without interest, received from you less 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 Term", "insurer_legal_entity": "Prudential Assurance Company Singapore (Pte) Limited" }, "terminal_illness_benefit": { "available": true, "source_page": 2, "acceleration_percent": 100, "qualifying_definition": "\"Terminal Illness\" means \"any condition caused by illness or injury, where at the time of claim, despite all reasonable medical treatment, the Life Assured is expected to live for no more than 12 months.\" Terminal Illness in the presence of HIV infection is excluded." } }, "confidence_tier": "verified" }