Investments | Comparison Table

Compare among 3
Investment-linked Plans

How does these plans differ?
I prefer PRULink PRUSelect plans
PRUVantage Assure Series
PRUVantage Wealth II
PRULink InvestGrowth
Payment term
Payment method
Minimum investment
Currency
Policy term
% of premiums invested
Wealth protection
Monthly income
Bonuses
Capital guarantee
Fund type
Flexibility to do fund switch
Flexibility to do top-ups
Flexibility to change the life assured
Flexibility to do withdrawals
Fees
Death coverage
Accidental Disability coverage
Critical Illness coverage
Total Permanent Disability coverage
Payment term
Regular premium of 5, 10, 15, 20 or 25 years or Single premium
Payment method
Cash
Minimum investment
Depending on payment term:
  • $10,000 p.a. for 5 years
  • $5,000 p.a. for 10 years
  • $3,600 p.a. for 15 years
  • $2,400 p.a. for 20 years
  • $1,800 p.a. for 25 years
  • $50,000 for single premium
Currency
SGD
Policy term
Whole of life
% of premiums invested
100% with option to invest in Growth Account and/or Flex Account for Regular premium plan

100% into Initial Investment Account for Single premium plan
Wealth protection
Wealth Assure Value which locks in coverage1 at the peak of your policy value2 for death and accidental disability3.
Monthly income
Optional with investments in dividend paying PRULink funds4
Bonuses
Up to 65% additional units for first 3 years as Welcome Bonus5 and Loyalty Bonuses6
Capital guarantee
No
Fund type
PRULink funds
Flexibility to do fund switch
Yes
Flexibility to do top-ups
Yes
Flexibility to change the life assured
Yes7
Flexibility to do withdrawals
Yes
Fees
  • Monthly Assurance Charge
  • Monthly Administration Charge for limited years
  • Premium Charge for top-up premium via Investment Booster (Lump Sum)
Death coverage
Yes1, sum assured starts at 103% of total premiums paid and increases by 3% each year8
Accidental Disability coverage
Yes1,3, sum assured starts at 103% of total premiums paid and increases by 3% each year8
Critical Illness coverage
No
Total Permanent Disability coverage
No
Regular premium of 5, 10, 15, 20 or 25 years
Cash
Depending on payment term:
  • S$/US$36,000 p.a. for 5 years
  • S$/US$24,000 p.a. for 10 years
  • S$/US$18,000 p.a. for 15 years
  • S$/US$15,000 p.a. for 20 years
  • S$/US$12,000 p.a. for 25 years
SGD or USD
Whole of life
100% with option to invest in Growth Account and/or Flex Account
No
Optional with investments in dividend paying PRULink funds4
Up to 95% additional units for first 3 years as Welcome Bonus9 and Loyalty Bonus10 of 0.5% yearly after premium term ends
No
PRULink funds
Yes
Yes
Yes7
Yes
  • Monthly Administration Charge for limited years
  • Premium Charge for top-up premium via Investment Booster (Lump Sum)
Yes11
No
No
No
Single premium or recurrent single premium
Cash, Supplementary Retirement Scheme (SRS), CPF-OA or CPF-SA
Single premium of $6,000 or regular contributions with a recurrent single premium from $300 per month12
SGD
Whole of life15
Up to 100%13
No
Optional with investments in dividend paying PRULink funds4
No
No
PRULink funds
Yes
Yes
No
Yes
Applicable for Cash/SRS policies only
  • Premium Charge
  • Assurance Charge
Yes14
No
No
No

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Footnotes

Please refer to the Product Summary and Policy Document for details of the terms and conditions.

*PRUVantage Assure Series consist of PRUVantage Assure (SP), a Single Premium plan and PRUVantage Assure II, a Regular Premium plan.

1We pay the highest of:
(a) the Sum Assured;
(b) the Wealth Assure value; or
(c) the account value from the Initial Investment Account (IIA) for Single Premium plan or Growth and/or Flex Account for Regular Premium plan,
plus the account value from the Additional Investment Account, less any outstanding amount payable and withdrawals.

PRUVantage Assure II’s Wealth Assure Value is subject to a maximum of S$20m or 3 times of lifetime premium per policy, whichever is higher.

2Refers to the account value of the Initial Investment Account (IIA) for Single Premium plan or total account value of Growth and/or Flex Account for Regular Premium plan, adjusted for changes in the benefits or partial withdrawals, if any.

3Coverage ends on the policy anniversary before the life assured turns 70.

4Not guaranteed and is based on distribution rate and frequency of the chosen PRULink Fund(s).

5Varies based on the chosen premium term, annualised premium tier and account allocation. The Welcome Bonus reflected is based on the highest percentage awarded for 25 years premium term in Growth Account.

6Based on the latest Initial Investment Account Value for Single Premium plan, or the latest Growth and/or Flex Account Value for Regular Premium plan. Loyalty Bonus percentage and payout frequency varies for Single Premium and Regular Premium plan.

7Only allowed after two years from policy inception. For individual-owned Single Premium plan, only up to 3 times change is allowed.

8Sum Assured increase does not apply to top-ups made and supplementary benefits. 3% yearly increase is based on simple interest and will stop at 160% of the total premiums paid, adjusted for changes in benefits and partial withdrawals, if any.

9Varies based on the chosen premium term and account allocation. The Welcome Bonus reflected is based on the highest percentage awarded for 25 years premium term in Growth Account.

10Applied on the latest Growth and/or Flex Account Value.

11We pay the higher of:
(a) 101% / 105% (in case of accidental death) of (total regular premiums paid, excluding premiums paid for supplementary benefits, if any, less any withdrawals and dividend payments from the Growth Account and Flex Account) as at the date of death; or
(b) the account value from the Growth Account and Flex Account,
plus the account value from the Additional Investment Account, less any amounts you owe us.

12Non-annual payment mode is available for SRS and cash payment methods only.

130% premium charge for investments made via CPF and 3% premium charge for investments made via cash or SRS.

14We pay the higher of:
(a) 110% of (the total premiums received plus any top-ups less any withdrawals); or
(b) the value of all the units in your account.

15For CPF-OA and CPF-SA payment methods, the policy will mature at age 62 with option to extend to whole of life.

Footnotes

Please refer to the Product Summary and Policy Document for details of the terms and conditions.

1Loyalty bonus entitlement ceases once the premium payment term ends.

2The death benefit refers to the value of all the units in the account, less any outstanding amount payable.

If the death is due to accidental cause, we pay the higher of:
(a) the value of all the units in your Account; or
(b) 105% of (total premiums paid (excluding premiums for supplementary benefits) less any withdrawals and any charges applied on the reduction in premium),
less any amounts owing to us.

3To qualify for bonuses, you must meet the terms and conditions attached to it. All bonuses exclude premiums paid for supplementary benefits (if any).

4Only up to 2 times change is allowed. A change in the life assured is considered a deletion of the life assured followed by an addition of a new life assured. This would be counted as effecting two changes and no further changes of life assured will be allowed subsequently. This option is not available if you use funds from your Supplementary Retirement Scheme (SRS) account to pay the single premium.

5The death benefit refers to the value of all the units in the account, less any outstanding amount payable.

If the death is due to accidental cause, we pay the higher of:
(a) the value of all the units in your Account; or
(b) 105% of (the single premium paid plus any top-ups less any withdrawals),
less any amounts owing to us.