# PRUVantage Legacy 
  Index

**Insurer:** Prudential Singapore (Prudential Assurance Company Singapore (Pte) Limited)
**MAS licence:** —
**Insurer product page:** https://www.prudential.com.sg/-/media/project/prudential/pdf/ebrochures/pruvantage-legacy-index/pruvantage-legacy-index_brochure_en.pdf

## Source wording

- **Effective from:** 2025-09-02
- **Ingested:** 2026-06-05
- **PDF source:** https://www.prudential.com.sg/-/media/project/prudential/pdf/ebrochures/pruvantage-legacy-index/pruvantage-legacy-index_brochure_en.pdf
- **PDF sha256:** `f707198d052ef1f2daa7716c6943e7cd4a9cebe95362e5a50053c22e775188e1`
- **Extraction confidence:** inferred

## Extracted facts

### cash values

```json
{
  "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

```json
"universal-life"
```

### policy basics

```json
{
  "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

```json
{
  "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

```json
{
  "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

```json
{
  "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)"
}
```

---

*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.*