Prudential PRUWealth II – Grow your wealth with flexible withdrawals

You want to save for your retirement, but you want to make your money work harder for you. You want to review protection for your family but you also want to keep up with rising costs. Wouldn’t it be nice if you could have it all?

PRUWealth II (SGD) is an insurance savings plan that lets you earn healthy returns in the long run, while enjoying the ability to withdraw your savings to fund key milestones of your life. Your capital is guaranteed after 10 years with potentially higher returns.

• Premium Term: Single premium or regular premium of 5, 10 or 20 years
• Policy Term: Lifetime until policy is surrendered for cash value

Additional product feature(s) on Prudential PRUWealth II

Detailed features and unique selling points of Prudential PRUWealth II:

Choice of premium terms

• Choose to pay a single premium, over 5, 10 or 20 years.

Joint ownership option

• Your policy will continue should you or your spouse pass on giving you uninterrupted savings.

Flexibility to do partial withdrawal

• Enjoy the flexibility of using the cash value inside your policy to fund key milestones in your life.

Capital guaranteed after year 10

• Your capital is guaranteed after the 10th year for a single premium payment term. For policies of 5 years, 10 years and 20 years premium payment term on an annual premium payment mode, your capital guaranteed is after 15th year, 18th year and 20th year respectively.

Option to pass on the policy for wealth accumulation

• Let your loved one continue your wealth accumulation and gain a head start in life.

No medical underwriting required

• You can purchase this plan irregardless of your health condition with no medical checkup required.

Additional riders for Prudential PRUWealth II

The following riders can be added on to your Prudential PRUWealth II at an additional cost for greater assurance to your savings plan:

• Crisis Waiver III – Waiver of premiums upon diagnosis of any one of the 35 covered critical illnesses.
• Early Stage Crisis Waiver – Waiver of premiums for five years upon diagnosis of early-stage medical conditions and allows a claim for a second time. Waiver of premiums for up to10 years upon diagnosis of intermediate stage medical conditions.
• Payer Security Plus – Waive the premiums of your spouse’s or child’s policy in the event that death, Total and Permanent Disability or Critical Illness should strike you.

Who should take up a Prudential PRUWealth II?

Prudential PRUWealth II is an insurance savings plan. This category of insurance plans are suitable or unsuitable depending on the following factors:

Prudential PRUWealth II is suitable for

• Cash liquidity and withdrawal for your savings plan
• Mid to long term wealth enhancement
• Mid to long term savings commitment period
• Hassle-free application without medical underwriting (if riders are not taken up)

Prudential PRUWealth II is not suitable for

• Income for a lifetime (Retirement Plan)
• High death, disability or critical illness coverage (Whole Life, Term Life)
• One-time single premium commitment
• High surrender value in the early years of the policy

Sample policy illustration for Prudential PRUWealth II

Coming soon.

Learn more about Prudential PRUWealth II

Leave your personal details via the savings plan contact form to receive your personalised quote. You may also compare plans similar to Prudential PRUWealth II using the insurance savings plan comparison portal.

Alternatively, drop us a message to know how this insurance savings plan fits your financial portfolio.