We understand you want to enhance your protection while enjoying yearly cashback

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1 SAVE We understand you want to enhance your protection while enjoying yearly cashback PRUflexicash protection plus

2 Step closer to achieving your savings goals with our PRUflexicash protection plus endowment plan designed to give you up to 4 times protection coverage, as well as financial flexibility with a Yearly Cashback 1 feature. With a 15-year or 25-year maturity period, you can be assured of a well-disciplined savings plan that provides protection while you save for your future. With a plan that can offer you a high payout of up to 4 times the sum assured, the ability to increase your future coverage through the Future Insurance Option benefit², and the freedom to choose when you want to receive your Yearly Cashback, you can now be even more financially prepared for whatever life has to offer. Comprehensive Coverage with You in Mind while You Save PRUflexicash protection plus offers you protection against Death, Terminal Illness and Total and Permanent Disability 3 where 4 times the sum assured of PRUflexicash protection plus and any accumulated bonus 4 will be payable in a lump sum. Exercise Future Insurance Option 2 for Increased Coverage: Your health status at the point when you take up the PRUflexicash protection plus will be locked-in for 4 years 5. During this period, as there will be no underwriting required when you buy a new whole of life, endowment or term plan 6, you are assured of enjoying increased coverage of up to 4 times the sum assured of your PRUflexicash protection plus or S$200,000 7, whichever is lower. You can have peace of mind as your need for higher protection coverage will not be compromised due to health conditions as you progress in life with the Future Insurance Option benefit. The maximum age to exercise the Future Insurance Option is 44 years 8 old.

3 Extension of Future Insurance Option for Different Life Stages If you are 0 to 15 years 8 old and you did not exercise the Future Insurance Option within the first 4 years 5 of your policy to purchase a new plan, you can continue to enjoy the Future Insurance Option within 3 months from your 15 th or 21 st birthday 8. If you are 16 to 44 years 8 old and you did not exercise the Future Insurance Option within the first 4 years 5 of your policy to purchase a new plan, you can still enjoy the Future Insurance Option benefit when you experience any of the following life events during the policy term or before age 45 years 8, whichever is earlier: marriage; or becomes a parent / delivers a baby; or adopts a child through legal means. Securing future coverage for your child As a parent, you can use PRUflexicash protection plus as an education policy for your child and as a stepping stone for him in securing future coverage at age 15 or 21 through the Future Insurance Option benefit. Flexibility with Yearly Cashback 1 3 smart ways to enjoy your Yearly Cashback: Receive a Yearly Cashback after the second policy anniversary and use it as you wish, such as for a family holiday. Enjoy bigger payouts on your policy if you choose to defer receiving your Yearly Cashback after the tenth policy anniversary or later 9. Accumulate your Yearly Cashback with us and enjoy a non-guaranteed interest of 3% 10 per annum by leaving it with us.

4 How PRUflexicash protection plus works: Chris (male, non-smoker), age 25 next birthday, and who has just started working, is looking for a plan that can offer him cash liquidity and yet gives high protection coverage. He bought a 25-year PRUflexicash protection plus policy with an annual premium of S$2, (approximately S$6 a day) for a sum assured of S$25,000. The table below illustrates how Chris can make use of his PRUflexicash protection plus and its Future Insurance Option benefit to enhance his coverage. Chris enjoys the following benefits: Protection cover for Death, Terminal Illness or Total and Permanent Disability of S$100, Guaranteed Yearly Cashback of S$1,250 from his policy after the second policy anniversary till end of policy term At maturity, Chris can expect to receive a lump sum of S$29, Future Insurance Option benefit 2 is used to buy new plan 6 within 4 years from first premium due date even if health changes. At age 25 (age next birthday), he buys a PRUflexicash protection plus policy. End of Policy Anniversary Annual Premium Sum Assured Guaranteed Death Benefit 11 Projected Amount Receivable at End of Each Policy Anniversary Guaranteed Non- Guaranteed 13 Total 2 $2, $25,000 $100,000 $1,250 $0 $1,250 3 $2, $25,000 $100,000 $1,427 $150 $1,577 4 $2, $25,000 $100,000 $1,587 $355 $1, (at maturity) $2, $25,000 $100,000 $1,250 $28,494 $29,744 The figures are for illustration only. Insurance eligibility and premiums are subject to underwriting. At age 28 (age next birthday), he decides to buy another policy to increase his total protection coverage and decides to use the Yearly Cashback of S$1,250 to pay the first year premium due for the new policy. However, due to his work stress, he was diagnosed with hypertension 6 months ago. He decided to make use of the benefit of Future Insurance Option to buy a new PRUlink protection plus account with S$100,000 7 sum assured. Within 3 years, Chris increased his total coverage from S$100,000 to S$200,000 7 when he used his Yearly Cashback to fund the premium of the new policy.

5 Additional coverage for more comprehensive protection To get more comprehensive protection, you can supplement your policy with: Comprehensive Personal Accident III provides an additional lump sum in the event of Accidental Death and Dismemberment. This supplementary benefit also gives you the option 14 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. Early Stage Crisis Waiver waives the premium payments for a fixed period 15 upon diagnosis of Early or Intermediate Stage Medical Conditions so that you can concentrate on treatment. Crisis Waiver III waives the remaining premium payments 16 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 15 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 Total 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. Call your Prudential Financial Consultant or our PruCustomer Line at today, or visit

6 Footnotes: 1. Yearly Cashback is a payout of 5% of PRUflexicash protection plus sum assured after the second policy anniversary. 2. This benefit is only applicable to PRUflexicash protection plus policy purchased under standard terms. 3. Policy provides coverage against Terminal Illness and Total 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. We will pay for either Terminal Illness or Total and Permanent Disability but not both. 4. Bonuses are not guaranteed and will vary according to the future performance of the participating fund years starting from first premium due date shown in the Certificate of Life Assurance. 6. Excluding PRUflexicash protection plus policy or any other policy with a Future Insurance Option. 7. Life Assured can exercise Future Insurance Option (FIO) once per PRUflexicash protection plus, up to 4 times the sum assured of PRUflexicash protection plus, up to maximum sum assured of S$200,000 per life assured. 8. Age attained at last birthday. 9. No later than one year before the end of policy term. 10. The interest rate is not guaranteed and is subject to change according to prevailing market conditions. 11. Guaranteed Death Benefit is 4 times the sum assured of PRUflexicash protection plus. 12. Lump sum maturity amount refers to both Guaranteed and Non-Guaranteed amount based on investment returns projected at 4.75% per annum for the participating fund. 13. The non-guaranteed amount is based on projected investment returns of 4.75% per annum for the participating fund. 14. Optional benefits of Medical Reimbursement III and Weekly Income III can be added to Comprehensive Personal Accident III. 15. 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. 16. Future premiums of the covered benefits are waived up to age 85 or until the end of the premium payment term, whichever is earlier.

7 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.

8 SAVE 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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