PRUActive Retirement II
Structured facts
Extracted from the Product Summary at a172ab94b13e8afa…. 1 fact rows.
Product Type
endowment
Riders & optional benefits
Accidental Disability Benefit
tpd
If the life assured becomes totally and permanently disabled because of an accident before the cover end date of the Accidental Disability Benefit as shown in your certificate of life assurance, we pay an extra monthly instalment which is equal to the guaranteed monthly income (Disability Monthly Income) up to a maximum amount of $6,250 for each disability monthly income instalment. We pay this Disability Monthly Income from the next month following the date of disability until the maturity of the policy or when the life assured dies, whichever event happens first. If the policy has a regular Premium Payment Term, and when the disability of the life assured because of an accident is confirmed, we will waive any future premiums due on your policy.
Surviving Spouse Benefit
other
An optional benefit available on a policy that has a husband and wife as joint owners of the policy. Should the Main Life Assured die after the premium payment term, the policy will continue on the life of the Successor Life Assured (the spouse) rather than paying out the Death Benefit. You are allowed to appoint or change the spouse as the Successor Life Assured up to 3 times throughout the policy term.
Exclusions
Verbatim from the Product Summary. Read in full before purchase.
If the life assured dies from suicide within 12 months from the cover start date of your policy or from the date of reinstatement (if any), we will void your policy, we cancel it and refund the total premiums received from you.
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If the life assured dies from a pre-existing Condition within 12 months from the cover start date of your policy or from the date of reinstatement (if any), we will refund the total premiums received from you.
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We do not pay Accidental Disability Benefit if the disability existed at the cover start date or date of reinstatement (if any) of this benefit and if the accidental disability of the life assured arises directly or indirectly out of one of the following: From war, riot, revolution or any similar event; From terrorism involving nuclear, biological or chemical agents; From illnesses or diseases of any kind, including fits, hernia, venereal disease, acquired immunodeficiency syndrome (AIDS) or food poisoning; From illnesses or diseases as a result of bites from, or contact with, an animal or insect, if they are infected by, or is a carrier of, illnesses or diseases; From a physical or mental condition which existed at the cover start date or date of reinstatement (if any) of this benefit; Accidents arising and due to pregnancy or confinement and related complications; Deliberate acts such as taking intoxicating liquor or drugs, committing suicide or attempted suicide or deliberate self-injury while sane or insane; Unlawful acts or deliberate and reckless exposure to unnecessary danger except in trying to save a human life; Any injury suffered while the life assured is committing or is attempting to commit an offence or is resisting arrest; injuries as a result of committing, attempting or provoking an assault; From a state of unsound mind; Taking part in a dangerous activity or sports unless carried out legally under the supervision of a licensed organisation; Taking part in professional or competitive sports if the life assured would or could earn income or pay from doing so; Being in an aircraft of any type, or boarding or getting off any aircraft, except as a fare-paying passenger in an aircraft that is on a regular scheduled route operated by a commercial airline; Radiation or contamination from radioactivity; Racing of all kinds, other than on foot or bicycle; Taking part in commando or bomb-disposal duties or training, active military duties such as maintaining civil order, taking part in hostilities, whether war is declared or not, and travel by military aircraft or waterborne vessel.
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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.
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.