• The plan is available to any person aged 16 - 70 next birthday.
• It is a life insurance plan that integrates lifetime protection and savings under one plan. The plan will share in the Company's profits in the form of non-guaranteed dividends.

  Benefits Details Cash Dividends are declared annually from the 1st policy anniversary onwards are vested from the 3rd policy anniversary onwards Guaranteed Cash value will be payable upon policy surrender from the 3rd policy anniversary onwards up to 80% of your guaranteed cash value can be borrowed in case of emergency Terminal Dividend will be payable upon death claims, surrender or termination of policy on or after the 5th policy anniversary

  
   
• Cash dividends will be arranged in any of the following 3 ways according to your choice:
  • deposit into Dividend Accumulation Account to earn interest;
  • transfer to Premium Deposit Account with interest to offset future due premiums;
  • direct payout to meet emergency needs or for other uses.
• If for any reason you are unable to settle your premium payment, you may choose one of the following options and still enjoy protection:
  • automatic premium loan, deducting guaranteed cash value as loan to pay premium, or
  • reduced paid up
• The premium is kept constant throughout the premium payment term.

• The plan offers protection as well as savings, producing both long-term return for future plans and total peace of mind for you and your family.
• The plan enables you to share in the Company's profits in the form of cash dividends.
• You are free to use your cash dividends. You may leave them with the Company to accumulate interest, use them to pay for future premiums or withdraw regularly.
• You can borrow the guaranteed cash value for premium repayment or for other immediate financial needs.
• By paying a small additional sum, you can also enjoy extra protection against dread diseases, unexpected medical expenses, disability and accidents etc.
• To cater for your investment needs, you can choose our Investment Plus which provides you with the option to invest in our internal funds. Lump sum or regular payments could be placed with us for investment purposes. For details, please refer to the Principal Brochure on Investment Plus.

This condition does not apply to the amount of benefit which is converted from any other policy that has been in force for one year or more.

• deposit into Dividend Accumulation Account to accumulate interest
• transfer to Premium Deposit Account with interest to pay for your future premiums
• direct payout for emergency use or other uses as you please

Guaranteed Cash Value comes into effect when you surrender on or after the third policy anniversary. If, for any reason, you decide to terminate your policy after the 5th policy anniversary, an extra terminal dividend privilege will be payable.

Q: What types of PRUlife plans are available?
A: We have three PRUlife plans for your choice. You can select a plan that suits your needs at different life stages.

PRUlife premier
The plan provides you with a medium level of savings and life insurance coverage.

PRUlife plus
Apart from enjoying protection, you can also achieve a higher savings target to cater to your future financial needs, such as for children's education or your own retirement needs. It also offers you a guaranteed cash payment equivalent to 10% of the sum assured every five years.

PRUlife best start
To secure comprehensive coverage for your child and to save funds for his/her education and headstart in future.

Your child will receive guaranteed cash payments equivalent to a total of 40% of the sum assured during the ages of 19 to 22 (age next birthday). What's more, your child can enjoy double life protection at no extra cost when he/she reaches 22 (age next birthday).