PRUVantage Wealth III

If the life assured dies from suicide within 12 months from the cover start date or date of reinstatement (if any) of your policy, we will void your policy. In this case, we cancel it and refund the total premiums received from you. We will first deduct any withdrawals, dividend payments, all other amounts you owe us in connection with your policy and expenses (including administrative, sales-related and medical expenses) we have had to pay for your policy.

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If the life assured dies due to a pre-existing condition within 12 months from the cover start date or date of reinstatement (if any) of the policy, we pay the higher of: The value of all the units in your accounts, less the Welcome Bonus* paid to your policy; or The total regular premiums received from you (excluding premiums paid for supplementary benefits) plus top-ups made through the Investment Booster (Lump Sum), if any, less any withdrawals, dividend payments, all amounts you owe us in connection with the policy and expenses (including administrative, sales-related and medical expenses) that we have had to pay for your policy.

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There are certain conditions such as death from suicide or Pre-existing Condition within 12 months from cover start date under which no benefits will be payable. You are advised to read your policy document for the full details of these exclusions.

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