PRUActive LinkGuard
Structured facts
Extracted from the Product Summary at 3978da4d00278d99…. 1 fact rows.
Product Type
investment-linked
Riders & optional benefits
Crisis Protect benefit
critical-illness
Can be added as part of your basic benefit to your policy at any time if the benefit is available, you are paying your regular premiums, we decide that the life assured is in good health, the life assured is below 45 years old, and your policy has not ended.
Early Crisis Protect benefit
early-critical-illness
Can only be added if you have added the Crisis Protect benefit. Available if the benefit is available, you are paying your regular premiums, life assured is in good health, life assured is below 45 years old, and your policy has not ended.
Crisis Care benefit
critical-illness
Can be added as part of your basic benefit to your policy at any time if the benefit is available, you are paying your regular premiums, we decide that the life assured is in good health, the life assured is below 45 years old, and your policy has not ended. You can only add either Crisis Protect or Crisis Care, but not both.
Early Crisis Care benefit
early-critical-illness
Can only be added if you have added the Crisis Care benefit. Available if the benefit is available, you are paying your regular premiums, life assured is in good health, life assured is below 45 years old, and your policy has not ended.
Disability Provider III
tpd
Supplementary benefit available to add to your policy at any time if the supplementary benefit is available, you are paying your regular premiums, the life assured is in good health, the life assured is within the age limits, you pay the extra premium, and your policy has not ended.
Accident Assist
accidental-death
Supplementary benefit available to add to your policy at any time subject to conditions.
Fracture Care PA
other
Supplementary benefit available to add to your policy at any time subject to conditions.
Crisis Waiver III
waiver-of-premium
Supplementary benefit available to add to your policy at any time subject to conditions.
Early Stage Crisis Waiver
waiver-of-premium
Supplementary benefit available to add to your policy at any time subject to conditions.
Payer Security III
payor-benefit
Supplementary benefit available to add to your policy at any time subject to conditions.
Payer Security Plus
payor-benefit
Supplementary benefit available to add to your policy at any time subject to conditions.
Early Payer Security
payor-benefit
Supplementary benefit available to add to your policy at any time subject to conditions.
PruSmart Lady II
other
Supplementary benefit available to add to your policy at any time subject to conditions.
Crisis Cover Kids
critical-illness
Supplementary benefit available to add to your policy at any time subject to conditions.
Exclusions
Verbatim from the Product Summary. Read in full before purchase.
If the life assured dies from an activity under special exclusion and special terms and conditions shown in your certificate of life assurance, we do not pay the death benefit but we will either: pay you the value of all the units in your account; or refund the total premiums paid by you, minus any withdrawals, whichever is higher, less any outstanding amounts you owe us.
Page 2
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.
Page 2
We do not pay [Accelerated Terminal Illness Benefit] if the life assured has already died at the time of the claim.
Page 3
We do not pay [Accelerated Terminal Illness Benefit] if the symptoms of the terminal illness existed at the cover start date or date of reinstatement (if any) of this benefit.
Page 3
We do not pay [Accelerated Terminal Illness Benefit] if the life assured is diagnosed as having a terminal illness caused by: self-inflicted injuries while sane or insane; AIDS, AIDS-related complex or infection by HIV except HIV due to a blood transfusion and occupationally acquired HIV; using unprescribed drugs if the drugs are required by law to be prescribed by a registered medical practitioner; or an activity under the special exclusions and special terms and conditions shown on your certificate of life assurance.
Page 3
We do not pay [Total and Permanent Disability Benefit] if the disability claim was made when the life assured had already died at the time of the claim (we will pay the death benefit instead); happened when the life assured was below 28 days old; existed at the cover start date or date of reinstatement (if any) of this benefit; or arises directly or indirectly out of: attempted suicide or self-inflicted injuries while sane or insane; travelling on a non-commercial airline except military aircraft; or an activity under the special exclusions and special terms and conditions shown on your certificate of life assurance.
Page 5
Free-look period
14 days from policy delivery. 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. We use a premium refund formula as determined by us to work out the amount to be refunded. As your policy is an investment-linked life policy, we will, in determining the amount that is payable to you, additionally be entitled to adjust the amount to reflect the change in market value of the underlying assets.
Machine-readable endpoints
- facts.json — structured fact extraction
- summary.md — LLM-friendly markdown summary
- wording.md — full ingested wording text
- history.json — wording version history
Source & verification
All facts ingested from Prudential Singapore's published Product Summary on compareFIRST.sg. Open the source PDF .
This page is informational only and does not constitute financial advice under the Financial Advisers Act. For binding quotes and personalised recommendations, contact Prudential Singapore directly or consult a MAS-licensed financial adviser.