{
  "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": "pruvantage-legacy-index",
    "name": "PRUVantage Legacy \n  Index",
    "status": "active",
    "positioning_summary": null,
    "source_url": "https://www.prudential.com.sg/-/media/project/prudential/pdf/ebrochures/pruvantage-legacy-index/pruvantage-legacy-index_brochure_en.pdf"
  },
  "wording": {
    "wording_version": "2025-09-02",
    "effective_from": "2025-09-02",
    "ingested_at": "2026-06-05T11:46:19.541182+00:00",
    "source_url": "https://www.prudential.com.sg/-/media/project/prudential/pdf/ebrochures/pruvantage-legacy-index/pruvantage-legacy-index_brochure_en.pdf",
    "pdf_hash": "f707198d052ef1f2daa7716c6943e7cd4a9cebe95362e5a50053c22e775188e1",
    "page_count": null
  },
  "facts": {
    "cash_values": {
      "has_cash_value": true,
      "non_guaranteed_bonus": {
        "text": "One-time bonus crediting rate of 3.0% on total account value after the end of premium term for fully paid policy (Multipay only); Loyalty crediting rate of 0.35% p.a. on Fixed Account from the 11th policy year onwards. The actual benefits payable will depend on the actual crediting rate credited to the Fixed and/or Index Account.",
        "available": true,
        "bonus_types": [
          "other"
        ],
        "source_page": 7
      },
      "guaranteed_surrender_value": {
        "basis": "Minimum Surrender Value of 2.0% p.a.",
        "available": true,
        "source_page": 7
      }
    },
    "product_type": "universal-life",
    "policy_basics": {
      "maximum_entry_age": {
        "basis": "age-next-birthday",
        "years": 70,
        "source_page": 7
      },
      "minimum_entry_age": {
        "basis": "age-next-birthday",
        "years": 18,
        "source_page": 7
      },
      "minimum_sum_assured": {
        "amount": 500000,
        "currency": "USD",
        "source_page": 7
      },
      "maximum_coverage_age": "whole-of-life"
    },
    "premium_terms": {
      "payment_modes": [
        "single",
        "annual"
      ],
      "premium_term_options": [
        {
          "label": "Single Premium",
          "description": "Single Premium; Entry Age (Age Next Birthday) 18 - 70; Premium Charge 8.5% on Single Premium",
          "source_page": 7
        },
        {
          "label": "Multipay 5-pay",
          "description": "Multipay Premium 5 years; Entry Age (Age Next Birthday) 18 - 70; Premium Charge 8.5% on Initial Annual Premium (IAP) and 6.0% on premium in excess of IAP",
          "source_page": 7
        },
        {
          "label": "Multipay 10-pay",
          "description": "Multipay Premium 10 years; Entry Age (Age Next Birthday) 18 - 65; Premium Charge 8.5% on Initial Annual Premium (IAP) and 6.0% on premium in excess of IAP",
          "source_page": 7
        }
      ]
    },
    "document_metadata": {
      "product_full_name": "PRUVantage Legacy Index",
      "insurer_legal_entity": "Prudential Assurance Company Singapore (Pte) Limited (Reg. No. 199002477Z)",
      "document_published_date": "2 September 2025"
    },
    "terminal_illness_benefit": {
      "available": true,
      "source_page": 6,
      "acceleration_percent": 100,
      "qualifying_definition": "Diagnosed with advanced stage [terminal illness] with survival diagnosis of 8 months (illustrative case referenced in brochure)"
    }
  },
  "confidence_tier": "inferred"
}