Leave more than just your name behind. Today s investment. Tomorrow s legacy.

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1 Leave more than just your name behind Today s investment. Tomorrow s legacy.

2 Features that meet your needs Intelligent investment made simple PruLife Vantage is a unique whole-of-life coverage plan that requires an investment of only one contribution, starting from $100, It is a standalone policy that offers lifelong financial protection against Death and Terminal Illness 2. Gain immediate coverage several times the amount you invest With PruLife Vantage, your sum assured is a multiple of the amount invested 3. The protection value continues to grow each year as bonuses 4 kick in. Designed to deliver with guaranteed cash values PruLife Vantage starts to accumulate guaranteed cash values immediately from the time you invest and these will potentially increase with bonuses 4. You have a choice of cashing in the bonuses 4 accumulated. You may also borrow up to 70% of the policy s cash values 5 in the event of a financial emergency. Singapore-dollar denominated plan Denominated in Singapore dollars, you do not have to worry about exposure to fluctuating exchange rates of foreign currencies. High entry age You can enjoy insurance coverage and other privileges of PruLife Vantage even if you are already 80 years old 6. Enhance your coverage To enjoy coverage against Total and Permanent Disability, you can choose to add the Accelerated Disability Benefit 8 to your PruLife Vantage plan. Supplement your PruLife Vantage plan with PruDecreasing Term Vantage 7, which offers you additional protection against Death and Terminal Illness at an affordable cost. The plan starts with high coverage at a time when you need it most and the sum assured decreases over time to meet your changing needs as your liabilities decrease. PruDecreasing Term Vantage 7 is a single premium decreasing term assurance plan that provides death coverage up to 100 age next birthday.

3 You have arrived at a place where few ever reach. After the long journey to success, you want to enjoy the lifestyle you ve strived so hard for, yet ensure that your loved ones are well taken care of. This is where the PruVantage Portfolio of products comes in. The PruVantage Portfolio is a suite of wealth management products catered specifically to address the special needs of affluent and successful individuals, like you. We are pleased to bring you PruLife Vantage, one of the products under the PruVantage Portfolio, a tool that could help you preserve a legacy for many generations to come. It provides lifetime coverage with a one-time investment of capital. Caring for your future generations As you continue to attain success, it is essential to safeguard your wealth and its transition for future generations, so your loved ones will not be thrown into a difficult situation, should any unfortunate event arise. Preserve your wealth Without prudent and intelligent planning, your wealth could do more harm than good to your family in the unfortunate event of your passing. Wealth preservation is essential and critical to the elimination of unnecessary hardship for your loved ones. PruLife Vantage can help you achieve these goals so you can embrace your golden years with total peace of mind. All it takes is a one-time contribution.

4 PruLife Vantage explained Creating an immediate legacy for your loved ones Mr Tan (male, non-smoker), age 40 next birthday, wishes to ensure his daughter s well-being when he passes on. He takes up a PruLife Vantage plan with Accelerated Disability Benefit with a single premium of $200,000 and gets covered against Death, Terminal Illness 2 and Total and Permanent Disability 8 for a sum assured of $530, For more coverage, Mr Tan can add on PruDecreasing Term Vantage 7 with Accelerated Disability Benefit, 40-year term 9, with a single premium of $153,315. With PruLife Vantage and PruDecreasing Term Vantage 7, he enjoys a total sum assured of as high as 5 times the total premium invested Should something unexpected happen to Mr Tan, his daughter will receive the total protection value inclusive of all bonuses 4 in a lump sum. Providing a gift for your immediate family members Mrs Lim decides to purchase a basic whole life insurance plan as a gift for her son, James (male, non-smoker), age 10 next birthday. She purchases a PruLife Vantage plan with Accelerated Disability Benefit insuring James with a single premium of $50,000. With this single amount invested by Mrs Lim, James enjoys lifetime insurance coverage against Death, Terminal Illness 2 and Total and Permanent Disability 8 for a sum assured of $314,703 without having to worry about future premium payment James can look forward to cash values of up to $120,060 when he reaches age 35 next birthday to start-up a business or plan for future investments, or up to $556,859 when he starts planning for his retirement at age 65 next birthday. Depending on his needs and preferences, James may choose to continue the policy and leave an inheritance for his next generation. Extended exclusively to you With PruLife Vantage, you can: Preserve your wealth for future generations Cater to the need for large insurance coverage Enjoy comprehensive lifetime protection against Death, Terminal Illness 2 or Total and Permanent Disability 8 with a one-time premium payment Enjoy increasing protection/coverage from growing bonuses 4 Ensure guaranteed cash values Add on PruDecreasing Term Vantage 7 to increase coverage at an affordable cost

5 Contact your Prudential Financial Consultant today! Call our PruCustomer Line at or us at Alternatively, you can visit our website at PruLife Vantage is a plan offered by Prudential Assurance Company Singapore (Pte) Ltd ( Prudential Singapore ) under the 6 th series. 1 This is a standalone, single premium whole of life plan with a minimum premium amount of S$100,000 for a life assured of age 18 to 80 next birthday. Where the life assured is age 1 to 17 next birthday, the minimum single premium is $35,000, subject to a maximum sum assured limit of $500,000 per life and financial underwriting. 2 Policy provides coverage against Terminal Illness ( TI ) during the term of the policy, and before the anniversary of the policy on which the life assured will attain the age 65 next birthday. 3 Sum assured will be a multiple of the single premium invested depending on age next birthday at entry, gender, smoking status and nationality/country of residence of the life assured. 4 Bonuses are not guaranteed and will vary according to the future experience of the participating fund. 5 For Policy Loan, a non-guaranteed interest rate currently at 6.0% p.a. will be charged. This facility is available upon payment of premium. 6 The minimum and maximum entry age for PruLife Vantage is age 1 to 80 next birthday respectively. The minimum and maximum entry age for Terminal Illness coverage under PruLife Vantage is age 1 to 64 next birthday respectively. 7 This is a single premium decreasing term supplementary benefit to PruLife Vantage. The sum assured reduces annually. For this supplementary benefit, the minimum single premium is $2,000. The minimum and maximum entry age for PruDecreasing Term Vantage is age 1 to 75 next birthday respectively. The minimum and maximum entry age for Terminal Illness and Total and Permanent Disability coverage under PruDecreasing Term Vantage with Accelerated Disability Benefit is age 1 to 64 next birthday respectively. 8 The minimum and maximum entry age for Accelerated Disability Benefit is age 1 to 64 next birthday respectively. The life assured cannot claim for both TI & Total and Permanent Disability. Accelerated Disability Benefit provides coverage against Total and Permanent Disability during the term of the policy, and before the anniversary of the policy with the life assured will attain age 65 next birthday. 9 The policy term for the PruDecreasing Term Vantage is subject to the maximum expiry age of 100 next birthday. Please refer to the Policy Document for exact terms and conditions of this plan. 10 The illustrated values use bonus rates assuming a projected investment rate of return of 5.25% p.a.. As the bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating funds. 11 Sum assured multiple is calculated by dividing sum assured over single premium. Note: Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid. This brochure is for reference only, and is not a contract of insurance. Please refer to the exact terms and conditions and specific details applicable to this insurance in the Product Summary and Policy Document that can be obtained from your Financial Consultant. In case of discrepancy between the English and Mandarin version of this brochure, the English version shall prevail. Information is correct as at 17 August 2009.

6 About Prudential Assurance Company Singapore (Pte) Ltd Prudential Singapore is one of the top insurance companies in Singapore and is a wholly owned subsidiary of UK-based Prudential plc. As one of the market leaders in investment-linked plans, Prudential Singapore has over S$5.2 billion funds under management as at 31 December Under the dedicated team of approximately 3,500 financial consultants and over 500 employees, Prudential Singapore has been serving the needs of half a million policy holders with over a million policies for almost 80 years in Singapore. Prudential Assurance Company Singapore (Pte) Limited. (Reg. No Z) 30 Cecil Street #30-01 Prudential Tower Singapore Tel: Fax: Part of Prudential plc

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