Protection. Security.

Brought to you by one of Singapore’s leading insurers

One single premium investment.

The reassurance of PruUniversal Vantage starts from a high coverage of your choice and
it is yours to enjoy when you make a one-time premium investment with Prudential1.
Potential returns from Accumulated Value1
Your PruUniversal Vantage policy provides potential returns with a crediting rate on your
Accumulated Value1. What’s more, you can be assured of a minimum guaranteed rate
of at least 3% p.a. And, best of all, you’ll earn the interest right from the start date of your
policy1.
Prudential Singapore is one of the top life 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$7.9 billion funds under management as on
31 December 2009. With a dedicated team of approximately 3,800 financial consultants
and over 600 employees, Prudential Singapore has been serving the needs of more than
600,000 policyholders with over 1.3 million policies, for almost 80 years in Singapore.
PRUUniversalVantage

In addition, with these Accumulated Values1 potentially increasing with our crediting
rates, you’ll also enjoy the freedom of cashing2 in, should you ever need the extra funds.

Protection to suit your needs

With PruUniversal Vantage, you get coverage that’s a multiple of the premium you
invested. In the unfortunate event of death3, your loved ones will receive a lump sum
payment. In addition, with the Accelerated Terminal Illness Benefit3, we will advance
payment to meet your financial needs.

Assurance that your policy will not lapse

Add the optional No-lapse Guarantee Benefit4 to your policy and offer your loved ones
even greater security as your coverage is guaranteed till you reach 100 years of age4 . This
extended protection is guaranteed even in the event that the Accumulated Value1 has
been reduced to zero1.

Security for your next generation

PruUniversal Vantage offers you the flexibility of passing on the coverage of your policy
to your children5. This will ensure your loved ones continue to enjoy the privileges and
benefits of PruUniversal Vantage, for whole-of-life1.

Your gift of love.

To find out more about PruUniversal Vantage, call your Prudential Financial Consultant Your legacy of protection.
or our PruCustomer Line at 1800 333 0 333. Alternatively, email us at Prudential Assurance Company Singapore (Pte) Limited. (Reg. No. 199002477Z)
customer.service@prudential.com.sg or visit www.prudential.com.sg 30 Cecil Street #30-01 Prudential Tower Singapore 049712.
Tel: 1800-333 0 333 Fax: 6734-6953
Part of Prudential plc

A15124 203711 PruUniversal Vantage Product Pack.indd 1 7/31/10 11:04 AM


Your Gift of Love.
Your legacy of Protection.
Your success ensures that you enjoy respect and recognition,
wherever in the world you go. It brings many rewards – perhaps
the most gratifying of them all is giving your family the best that
life has to offer. As a doting provider, you’d like to build your
wealth, ensure your legacy, and ensure that your loved ones will
always be well looked after.
PruUniversal Vantage.
Your legacy of privilege
and protection.
Yet another thoughtful offering from the PruVantage portfolio,
PruUniversal Vantage is designed to help you plan for your
estate and build your legacy. This single-premium, whole-of-life1
insurance policy offers you high insurance coverage along with
the potential to build your wealth.
A15124 203711 PruUniversal Vantage Product Pack.indd 2
PRUUniversalVantage At a glance
Introduction PruUniversal Vantage is a single-premium, whole-of-life1 insurance policy which
offers you high insurance coverage and the flexibility of cashing2 in your potential
returns from Accumulated Values1.
Currency United States Dollar (USD) 6
Premium Single Premium
Types of Coverage • Death Benefit
• Accelerated Terminal Illness Benefit
In the event of Death (or Terminal Illness), we will pay the higher of Death Benefit
(or Accelerated Terminal Illness Benefit) sum assured or the Accumulated Value1,3.
If the Accelerated Terminal Illness Benefit is lower than the Death Benefit, we will pay
the Accelerated Terminal Illness benefit sum assured 3.
Crediting Rates* There are 3 types of Crediting Rate:
• New Money Crediting Rate7 (Non-Guaranteed)*
• General Crediting Rate 8 (Non-Guaranteed)*
• Minimum Guaranteed Crediting Rate9 * – 3% p.a.
*Crediting Rate is the interest rate that is periodically declared and applied to your
Accumulated Value1. We will inform you of the New Money and General Crediting
Rates upon your application.
Optional Benefit No-Lapse Guarantee Benefit4 – this benefit guarantees that we will pay the sum
assured, even if there is no Accumulated Value1, upon a Death or Terminal Illness
claim any time during the term of the policy and before the life assured attains 100
years of age.
Policy Premium Charge The “Policy Premium Charge” is a non-guaranteed one-time charge expressed as
a percentage of any premium paid before such premium is allocated to your account.
The current Policy Premium Charge is 9%. If you attach the No-Lapse Guarantee
Benefit, the current Policy Premium Charge will then be 11%.
Policy Expense Charge The “Policy Expense Charge” is billed to your account monthly and deducted from
your Accumulated Value1 from the Cover Start Date of your policy and thereafter
on the same day every month for the first 15 years of your policy. The Policy Expense
Charge is expressed as a rate per US$1,000 of your sum assured that is determined
at the start of your policy and is intended to remain at the same rate for 15 years.
We reserve the right to vary the rate but will give you 30 days’ written notice before
doing so. There is no Policy Expense Charge after the 15th year.
Insurance Risk Charge The “Insurance Risk Charge” is the cost of providing you the basic benefits of
Death and Terminal Illness. It is expressed as a rate per US$1,000 of your Sum At Risk.
The “Sum At Risk” is the difference between your sum assured as shown on your
Certificate of Life Assurance and the Accumulated Value1, subject to a minimum
value of zero. This means that the Insurance Risk Charge will only be charged when
the Sum At Risk is more than zero.
We will deduct the Insurance Risk Charge monthly from your Accumulated Value1
from the Cover Start Date of your policy and thereafter on the same day every
month throughout the term of your policy.
We reserve the right to vary the Insurance Risk Charge but will give you 30 days’
written notice before doing so.
Additional Features • Change in Life Assured Benefit 5
• Apply for a Policy Loan10 from Day 1, for up to 75% of the Surrender Value
• Flexibility to choose Partial Surrender 2 at any time.
Footnotes:
1. When you pay us your Total Single Premium, we place it into an account. We will credit interest and
deduct charges from this account. The monies in this account are your “Accumulated Value”.
The Accumulated Va lue will be u sed to deduct the releva nt cha rges a pplicable to your
policy. If you have not attached the optional No-Lapse Guarantee Benefit or such optional
No-Lapse Guarantee Benefit has terminated, your policy will terminate when there is insufficient
Accumulated Value to pay for the charges. Please refer to the PruUniversal Vantage At a glance table
on various charges that are applicable to your policy.
2. You can apply for full or partial surrender from your Accumulated Value and surrender charges apply
within the first 15 years of your policy. Additionally, your sum assured and Accumulated Value will
be correspondingly reduced by the partial surrender amount and any charges incurred. Should the
remaining Accumulated Value and/or sum assured fall below the minimum amount(s), we will treat it
as a full surrender. Any partial surrender will terminate your No-Lapse Guarantee Benefit (if any).
3. The Death Benefit or Accelerated Terminal Illness benefit amount shall be payable to you after
deducting all outstanding amounts owing to us in connection with your policy. If we paid your
Accelerated Terminal Illness benefit and it is lower than the Death Benefit, your Accelerated Terminal
Illness Benefit terminates and the sum assured of the Death Benefit shall be reduced to an amount
equal to the difference between the sum assured of the Death Benefit and the sum assured under the
Accelerated Terminal Illness Benefit.
4. The optional No-Lapse Guarantee Benefit (for as long as it is not terminated) guarantees that we will
pay the sum assured, even if there is no Accumulated Value, upon a Death or Terminal Illness claim
any time during the term of the policy and before the life assured attains 100 years of age. We will
apply a different Policy Premium Charge and Policy Expense Charge if and when this benefit is
added to your policy. The No-Lapse Guarantee Benefit will automatically terminate upon certain
conditions.
5. Subject to the conditions set out in the policy document, you can choose to change the life assured
only once during the term of your policy, on any policy anniversary and only in the event that the
Accumulated Value (after deducting all outstanding amounts) is equal or greater than a value
determined by us at our sole discretion. The cover on the Former Life Assured terminates and the
cover on the New Life Assured will commence. A one-time charge will be payable if the revised Policy
Expense Charge based on the New Life Assured is higher than that based on the Former Life Assured.
6. All premiums and benefits are payable in US Dollars. We do not bear the loss resulting from any currency
conversion or the cost of charges incurred on any transaction pertaining to currency conversions.
7. The “New Money Crediting Rate” is an interest rate for new monies (equal to the Total Single Premium)
deposited into your account and applied in its first Policy Year only.
8. After the first Policy Year, we will apply another interest rate which is called the “General Crediting
Rate”. This interest rate is subject to review from time to time after the first Policy Year. In the event that
the General Crediting Rate is adjusted following such review, the new applicable rate shall apply until
the next adjustment.
9. The New Money Crediting Rate a nd Genera l Crediting Rate will never be lower tha n the
“Minimum Guaranteed Crediting Rate”.
10. A non-guaranteed interest rate will be charged on the policy loan amount. If the total outstanding
amount (including but not limited to monies from a policy loan) owing to us under your policy exceeds
90% of the Surrender Value, we reserve the right to terminate your policy and the No-Lapse Guarantee
Benefit (if any).
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 not a contract of insurance. Please refer to the exact terms and conditions,
specific details and exclusions applicable to this insurance in the policy document. In case of discrepancy
between the English and Mandarin versions of this brochure, the English version shall prevail.
Information correct as at 5 August 2010.
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