{ "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": "prulink-investgrowth", "name": "PRULink \n InvestGrowth", "status": "active", "positioning_summary": null, "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRULink%20InvestGrowth%20Product%20Summary.pdf" }, "wording": { "wording_version": "2026-06-05", "effective_from": null, "ingested_at": "2026-06-05T11:44:47.580372+00:00", "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRULink%20InvestGrowth%20Product%20Summary.pdf", "pdf_hash": "7620f663027b72682f92c6e7f81db4036c4e90ef9eec9b4312bfb93a760ebede", "page_count": null }, "facts": { "free_look": { "period_days": 14, "source_page": 10, "refund_basis": "we will refund you the premiums you have paid, less any medical fees and other expenses, such as payments for medical check-ups and medical reports, incurred by us. A premium refund formula, as determined by us, is used to work out the amount to be refunded. In determining the amount to be refunded for investment-linked policies, we are entitled to adjust the amount to reflect the change in market value of the underlying assets." }, "exclusions": [ { "text": "If the life assured dies due to a pre-existing condition within 12 months from the cover start date of the policy, we pay the higher of: the value of all the units in the Account; or the total premiums paid less any withdrawals, all outstanding amounts owing to us in connection with the policy and expenses (including but not limited to administrative, sales related and medical expenses, if any) incurred by us on the policy.", "source_page": 3 }, { "text": "If the life assured dies due to a pre-existing condition within 12 months from the date of an increase in the premium, we pay the higher of: the value of the units of the respective increase in premium; or the respective increase in premium paid less any withdrawals, all outstanding amounts owing to us in connection with the policy and expenses (including but not limited to administrative, sales related and medical expenses, if any) incurred by us on the policy.", "source_page": 3 }, { "text": "If the life assured dies due to a pre-existing condition within 12 months from the date of any top-up, we pay the higher of: the value of the units of the respective top-up; or the respective top-up paid less any withdrawals, all outstanding amounts owing to us in connection with the policy and expenses (including but not limited to administrative, sales related and medical expenses, if any) incurred by us on the policy.", "source_page": 3 }, { "text": "A 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 of this policy or the date of any increase in premium or the date of any top-up.", "source_page": 3 } ], "cash_values": { "has_cash_value": true, "non_guaranteed_bonus": { "available": false }, "guaranteed_surrender_value": { "basis": "The surrender/maturity value of this plan is the value of all units (including top-ups, but less withdrawals) in your Account at the bid price.", "available": true, "source_page": 3 } }, "product_type": "investment-linked", "policy_basics": { "minimum_sum_assured": { "amount": "110% of (the total premiums received plus any top-ups less any withdrawals), or the value of all the units in your account, whichever is higher", "currency": "SGD", "source_page": 2 } }, "premium_terms": { "cpf_eligible": { "srs": true, "notes": "PRULink InvestGrowth is a recurrent single premium investment-linked insurance plan that offers the opportunity to optimize returns on your savings (Cash, Central Provident Fund (\"CPF\") or Supplementary Retirement Scheme (\"SRS\")). CPFIS-OA and CPFIS-SA annual minimum premium is $3,600. CPF policies have 0% premium charge and assurance charges are not applicable.", "source_page": 2, "special_account": true, "ordinary_account": true }, "payment_modes": [ "single", "annual", "semi-annual", "quarterly", "monthly" ], "minimum_premium": { "amount": 300, "currency": "SGD", "source_page": 2 }, "premium_term_options": [ { "label": "Recurrent single premium — Cash/SRS monthly", "description": "Minimum recurrent single premium: $300 monthly for SRS/Cash policies", "source_page": 2 }, { "label": "Recurrent single premium — Cash/SRS quarterly", "description": "Minimum recurrent single premium: $900 quarterly for SRS/Cash policies", "source_page": 2 }, { "label": "Recurrent single premium — Cash/SRS half-yearly", "description": "Minimum recurrent single premium: $1,800 half-yearly for SRS/Cash policies", "source_page": 2 }, { "label": "Recurrent single premium — Cash/SRS/CPFIS-OA/CPFIS-SA annually", "description": "Minimum recurrent single premium: $3,600 annually for SRS/Cash/CPFIS-OA/CPFIS-SA policies", "source_page": 2 } ] }, "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 other 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.", "exclusion_period_months": 12 }, "document_metadata": { "wording_version": "Version 02/2026", "product_full_name": "PRULink InvestGrowth", "insurer_legal_entity": "Prudential Assurance Company Singapore (Pte) Limited" } }, "confidence_tier": "verified" }