{
  "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": "pruwealth-plus-sgd",
    "name": "PRUWealth Plus    \n  (SGD)",
    "status": "active",
    "positioning_summary": null,
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUWealth%20Plus%20%28SGD%29%20Product%20Summary.pdf"
  },
  "wording": {
    "wording_version": "2026-06-05",
    "effective_from": null,
    "ingested_at": "2026-06-05T11:36:37.871291+00:00",
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/199002477Z/PRUWealth%20Plus%20%28SGD%29%20Product%20Summary.pdf",
    "pdf_hash": "3187154857c3320f05367edd084de97b4d825f9d2d9ab06aae22f1c860687dcb",
    "page_count": null
  },
  "facts": {
    "free_look": {
      "period_days": 14,
      "source_page": 13,
      "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": "There are certain conditions (such as death from suicide or Pre-existing Conditions 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": 13
      },
      {
        "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": 13
      }
    ],
    "mwpa_trust": {
      "notes": "Not mentioned in the product summary text provided.",
      "available": false
    },
    "cash_values": {
      "has_cash_value": true,
      "non_guaranteed_bonus": {
        "text": "Non-guaranteed benefits are in the form of Reversionary Bonus and Performance 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. The Performance Bonus is a one-off bonus which is a percentage of the accumulated Reversionary Bonuses, payable on surrender or maturity. 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. There is no Reversionary Bonus declared yet as this 8th Series plan was launched in 2023.",
        "available": true,
        "bonus_types": [
          "reversionary",
          "other"
        ],
        "source_page": 5,
        "par_fund_name": "Regular Premium Life Sub-fund (RPLF) of Prudential Singapore's participating fund"
      },
      "guaranteed_surrender_value": {
        "basis": "The guaranteed surrender value plus non-guaranteed surrender value will be payable upon surrender of your policy. For single premium payment term, an immediate surrender value is provided. For other premium payment terms, a surrender value is available after 36 months from the first premium due date as long as premiums have been paid for 36 months.",
        "available": true,
        "source_page": 4
      }
    },
    "policy_loan": {
      "available": true,
      "source_page": 4,
      "interest_basis": "non-guaranteed loan interest rate; interest accrues on a daily basis; Prudential Singapore will give three months' written notice of any change in interest rate"
    },
    "grace_period": {
      "source_page": 14
    },
    "product_type": "endowment",
    "policy_basics": {
      "minimum_entry_age": {
        "basis": "as-stated",
        "years": 0,
        "source_page": 2
      },
      "maximum_coverage_age": {
        "basis": "as-stated",
        "years": 130,
        "source_page": 1
      },
      "maximum_policy_term_years": "whole-of-life to age 130 maturity",
      "minimum_policy_term_years": "whole-of-life to age 130 maturity; no explicit minimum policy term stated"
    },
    "premium_terms": {
      "cpf_eligible": {
        "srs": true,
        "notes": "PRUWealth Plus (SGD) is not a Medisave-approved policy and you may not use Medisave to pay the premium for this policy. SRS funds are permitted; policies paid using SRS funds are subject to the terms and conditions of the Supplementary Retirement Scheme. Change of Life Assured Benefit and Appointment of Secondary Life Assured are not applicable to policies paid using SRS funds. Surgical & Nursing Loan is not applicable to policies paid using SRS funds.",
        "source_page": 13,
        "special_account": false,
        "ordinary_account": false
      },
      "payment_modes": [
        "single",
        "annual",
        "semi-annual",
        "quarterly",
        "monthly"
      ],
      "premium_term_options": [
        {
          "label": "Single Premium",
          "description": "single premium",
          "source_page": 1
        },
        {
          "label": "5-pay",
          "description": "5 years",
          "source_page": 1
        },
        {
          "label": "10-pay",
          "description": "10 years",
          "source_page": 1
        },
        {
          "label": "15-pay",
          "description": "15 years",
          "source_page": 1
        },
        {
          "label": "20-pay",
          "description": "20 years",
          "source_page": 1
        }
      ],
      "premium_review_clause": {
        "text": "The premium rate for the basic plan is guaranteed.",
        "reviewable": false,
        "source_page": 13
      }
    },
    "non_forfeiture": {
      "paid_up": {
        "text": "If the policy has a surrender value, the policyowner can use the surrender value to convert the policy to paid-up, which is when the policy has a revised face value with no further premiums due. Note: Automatic Premium Loan and paid-up option are not applicable to single premium policies.",
        "available": true
      },
      "source_page": 4,
      "extended_term": {
        "text": "Not mentioned in the product summary.",
        "available": false
      },
      "automatic_premium_loan": {
        "text": "Automatic Premium Loan is 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 and paid-up option are not applicable to single premium policies.",
        "available": true
      }
    },
    "suicide_clause": {
      "source_page": 13,
      "payout_within_period": "There are certain conditions (such as death from suicide or Pre-existing Conditions 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": {
      "wording_version": "Version 07/2025",
      "product_full_name": "PRUWealth Plus (SGD)",
      "insurer_legal_entity": "Prudential Assurance Company Singapore (Pte) Limited",
      "document_published_date": "07/2025"
    }
  },
  "confidence_tier": "verified"
}