We understand you want to provide lifelong protection for you and your family

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1 PROTECT We understand you want to provide lifelong protection for you and your family PRUlife

2 Be prepared for the unexpected You have plans and you work hard to shape your future, be it getting married, starting a family, providing for them or planning for your retirement. Regardless of what the future brings, you want to be assured that your family and their future are taken care of. And as a parent, you would strive to provide the best for your child. Designed to provide whole of life protection, PRUlife provides coverage against Death, Terminal Illness, and and Permanent Disability 1, so you and your loved ones have less to worry about should the unforeseen happen. Coverage against Death, Terminal Illness, and and Permanent Disability PRUlife offers a lump sum payout plus accumulated bonuses 2 in the event of Death, Terminal Illness, and and Permanent Disability 1, providing assurance for you and your family s future. Keeps up with changing needs You need a protection plan which allows you to keep up with your changing needs. With PRUlife, you can buy a new plan without underwriting 3 to increase your coverage at the most significant events in your life, such as marriage or having a child. Early coverage PRUlife can also be purchased to protect against the vulnerable stages of your child s life.

3 Further enhance your PRUlife plan for a wider coverage While PRUlife covers for whole of life protection, you can ensure that you and your family are more extensively covered by including these supplementary benefits. Comprehensive Personal Accident III, which provides you with an additional lump sum in the event of Accidental Death and Dismemberment. This supplementary benefit also gives you the option 4 to be reimbursed for your medical expenses incurred as a result of an accident, or receive a weekly income when you are unable to work in all duties of your usual occupation due to an accident. Crisis Cover III, which advances 5 a lump sum payout upon diagnosis of any one of the 36 listed Critical Illnesses. This ensures you have access to funds when you need it most. Early Stage Crisis Waiver, which waives the premium payments for a fixed period 6 upon diagnosis of Early or Intermediate Stage Medical Conditions, so you can concentrate on treatment. Crisis Waiver III, which waives the remaining premium payments 7 upon diagnosis of any one of the 35 listed Critical Illnesses and ensures that your financial plan remains in place. Early Payer Security, which waives the premium payments for a fixed period 6 upon diagnosis of Early or Intermediate Stage Medical Conditions, so that you need not worry about your loved ones losing coverage while you concentrate on your treatment. Payer Security III / Payer Security Plus safeguards your loved one s policy in the event that Death, Critical Illness or and Permanent Disability strikes you. Payer Security III waives the remaining premiums of your child s policy till the policy anniversary before he or she turns 25, or the end of the premium payment term, whichever is earlier. Payer Security Plus provides a longer benefit term and it waives the remaining premiums of your loved one s policy until the policy anniversary before you reach 85, or the end of premium payment term, whichever is earlier.

4 How PRUlife works for you: Gerald (male, non-smoker), age 25 next birthday, is a fresh graduate who has just started his career and would like to obtain life protection and plan for his future. He is able to set aside about S$112* per month for coverage against Death, Terminal Illness, and and Permanent Disability for a sum assured of S$100,000. End of Policy Year Basic Premiums Paid* Death Benefit 8 Surrender Value 8 20 S$26,780 S$100,000 S$49,610 S$149,610 S$15,992 S$15,639 S$31, S$40,170 S$100,000 S$76,361 S$176,361 S$28,646 S$30,142 S$58, S$79,520 S$100,000 S$243,456 S$343,456 S$81,048 S$182,093 S$263,141 *Premiums quoted are based on a non-smoking male aged 25 on his next birthday with PRUlife and a sum assured of S$100,000, based on annual mode. How PRUlife works for your child: Mr Lim (male, non-smoker), age 30 next birthday, would like to start planning for basic insurance coverage for his newborn daughter, Clarissa, aged 1 (female, non-smoker), for as little as S$50** per month. Clarissa gets covered under PRUlife for a sum assured of S$100,000, and she will be able to enjoy these low premiums for as long as she wants. The cash value accumulated under PRUlife may be used for Clarissa s education in the future. End of Policy Year Basic Premiums Paid** Death Benefit 8 Surrender Value 8 20 S$11,980 S$100,000 S$49,610 S$149,610 S$5,676 S$6,282 S$11, S$17,970 S$100,000 S$76,361 S$176,361 S$10,517 S$12,323 S$22, S$38,336 S$100,000 S$243,456 S$343,456 S$43,907 S$105,397 S$149,304 **Premiums quoted are based on a non-smoking female aged 1 on her next birthday with PRUlife and a sum assured of S$100,000, based on annual mode.

5 Call your Prudential Financial Consultant or our PruCustomer Line at today, or visit Footnotes: 1. Policy provides coverage against Terminal Illness and and Permanent Disability during the term of the policy and before the anniversary of the policy on which the Life Assured will attain the age of 65. The Life Assured cannot claim for both. 2. Bonuses are not guaranteed and will vary according to the future performance of the participating fund. 3. Sum assured of the new policy for each life event can only be up to a maximum of 25% of the original sum assured or S$150,000, whichever is lower. The option to purchase a new policy can only be exercised twice in the lifetime of the Life Assured. The maximum additional cover for these two life events can only be up to a maximum of 50% of the original sum assured or S$300,000, whichever is lower. 4. Optional benefits of Medical Reimbursement III and Weekly Income III can be added to Comprehensive Personal Accident III. 5. If the sum assured of Crisis Cover III is the same as the sum assured of the Death Benefit of the main plan, the policy and all its benefits terminate after a Critical Illness claim. If the sum assured of Crisis Cover III is lower than the sum assured of the Death Benefit of the main plan, the sum assured of the Death Benefit shall be reduced accordingly after a Critical Illness claim. 6. Upon diagnosis of Early or Intermediate Stage Medical Conditions, the future premiums of the covered benefits will be waived for 5 years or 10 years respectively, or the remaining premium payment term, whichever is shorter. The maximum premium waiver period is 10 years, after which the benefit terminates and premium payment for the covered benefits resumes.

6 7. Future premiums of the covered benefits are waived up to age 85 or until the end of the premium payment term, whichever is earlier. 8. The illustrated values use a bonus rate assuming a projected investment rate of return of 4.75% per annum for the participating fund. Bonus rates are not guaranteed and will vary according to the future performance of the participating fund. 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 (if any) may be less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for some of the supplementary benefits are not guaranteed and may be adjusted based on future claims experience. You are recommended to seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs. This brochure is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to these insurance products in the policy documents that can be obtained from your Prudential Financial Consultant. In case of discrepancy between the English and Mandarin versions of this brochure, the English version shall prevail. Information is correct as at 11 August 2015.

7 PROTECT 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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