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A highly customisable retirement plan to suit your changing needs

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A highly customisable retirement plan to suit your changing needs

Achieve the freedom to pursue your dreams

PRUActive Retirement II is a unique plan that’s highly customisable, designed to give you flexibility, financial security and therefore freedom to retire the way you want.


Knowing the key risks associated with each insurance plan is important. Below are the key risks(non-exhaustive) associated with this plan:

a. If the Life Assured dies from suicide or a Pre-existing Condition within 12 months from the Cover Start Date of this policy or from the date of reinstatement (if any), Prudential Assurance Company Singapore (Pte) Limited (“Prudential”) will  refund you the total premiums it has received less any loans and outstanding amounts owing to it and expenses incurred by it, in connection with your policy, and your policy will terminate.

b.  As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the total surrender value (both guaranteed and non-guaranteed) that is payable to you may be zero or less than the total premiums paid. For regular premium payment term: The guaranteed surrender value, if any, that is payable to you may also be zero or less than the total premiums paid. This policy acquires a surrender value only after 36 months from the first premium due date and after premiums had been paid for 36 months. For single premium payment term: This policy acquires an immediate surrender value upon receipt by Prudential and inception of the single premium paid.

c. The illustrated values shown in the Policy Illustration are dependent on the performance of the Insurance Provider’s participating fund, which affects the Reversionary Bonus, Performance Bonus, Non-guaranteed Monthly Income and Maturity Bonus declared by the Insurance Provider. The cash value of this policy is dependent on the future performance of Prudential’s underlying funds. It may be lower than projected for various reasons such as future investment outlook of the participating fund, claims experience with respect to death and disability experience of the participating fund, and level of expenses incurred by or allocated to the participating fund. Past performance is not an indication of current or future performance, and past expense ratios are not an indication of actual expenses that may be incurred in the future. You have the option to accumulate any Monthly Income due to you with Prudential, where such Monthly Income will not be immediately paid out to you. If you choose this accumulate option, the Monthly Income will accumulate non-guaranteed yearly interest as well. The interest rate for the accumulation of Monthly Income is not guaranteed and is subject to change.

d. For a plan with a Surviving Spouse Benefit (which is an optional benefit available on a plan that has a husband and wife as joint owners), the benefit will only take effect if the death of the Main Life Assured occurs after the premium payment term. If the death of the Main Life Assured occurs during the premium payment term, the Surviving Spouse Benefit will not take effect and the Death Benefit will be paid out.

e. This policy is a life insurance plan. It is not a savings account or fixed deposit, nor is it associated with any bank account or fixed deposit.

Terms & Conditions
Important Notes
  1. Subject to the performance of the participating fund. The step-up income is at least the same or more than the previous year.
  2. Policyowner is allowed to change the Payout Period any time until two months before the start of the payout period. The choice of Payout Period are: 10, 15, 20, 25 or 30 years.
  3. Choice of Payout Age from age 50 to 90.
  4. PRUActive Retirement II provides coverage against Total and Permanent Disability during the term of the policy, or before the policy anniversary prior to the life assured attaining age 70, whichever is earlier.
  5. Effective only if main life assured passes on after premium payment ends, applicable for joint ownership between husband and wife.


The content of this webpage is for general information only, and it does not constitute an offer to buy or sell any insurance product or service, nor is it intended to provide insurance or financial advice.

It has not been prepared for any particular person or class of persons and does not constitute and should not be construed as investment advice nor an investment recommendation. It has been prepared without regard to the specific investment objectives, financial situation or particular needs of any person. You should seek advice from a licensed or an exempt financial adviser on the suitability of the product for you, taking into account these factors before making a commitment to purchase or invest in the product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you. You are fully responsible for your investment decision, including whether the product or service described here is suitable for you.

The content of this webpage describes the insurance product(s) and service(s) provided by Prudential Assurance Company Singapore (Pte) Limited (“Prudential”) in alliance with Standard Chartered Bank (Singapore) Limited (the “Bank”). It does not constitute a contract of insurance and reference should be made to the respective policy for the exact terms and conditions applicable to the insurance policy, which will be sent to you upon the acceptance of your application by Prudential. All insurance product(s) described in this webpage is a product of and underwritten by Prudential and not the Bank. In facilitating insurance arrangements or in referring customers to Prudential, the Bank is acting as a distributor, in alliance with Prudential and not as an agent for customers. The Bank shall not be liable in any manner whatsoever regarding your application or the contract of insurance.

Additionally, in relation to life insurance, buying a life insurance policy is a long-term commitment. An early termination of the life insurance policy usually involves high cost and the surrender value payable (if any) may be less than the total premiums paid.

If, after purchasing the policy, you decide that the policy is not suitable for you, you may terminate the policy in accordance with the free-look provision, if any, and Prudential may recover from you any expense incurred by them in underwriting the policy.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Prudential or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.