Introduction
In today's unpredictable world, securing your financial future is paramount. Whole life insurance offers a powerful combination of protection and investment, providing peace of mind for you and your loved ones. Enter PRUActive LinkGuard, a flexible and comprehensive solution from Prudential that adapts to your changing needs throughout life's journey. This innovative product offers double coverage protection, investment opportunities, and the ability to adjust your policy as your circumstances evolve. Let's explore how PRUActive LinkGuard can empower you to live life on your terms while ensuring financial security for the long haul.
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Coverage and Benefits
PRUActive LinkGuard offers a robust suite of protection benefits designed to safeguard you and your family against life's uncertainties. From death coverage to critical illness protection, this versatile policy provides comprehensive financial security. Let's delve into the key coverage components that make PRUActive LinkGuard stand out in the market.
Double Death Coverage
Enjoy twice the protection with the Multiplier Benefit. Before age 50, your coverage against death is doubled, providing enhanced financial security for your beneficiaries.
Guaranteed Coverage Period
Rest easy with 10 years of guaranteed coverage. This No Lapse Period ensures your protection remains intact during the first decade, regardless of market volatility.
Terminal Illness Benefit
Receive double coverage for terminal illness before age 50. This benefit provides crucial financial support during challenging times, matching the death benefit amount.
Total Permanent Disability
Benefit from doubled coverage against total permanent disability (TPD) before age 50. This enhanced protection ensures financial stability if you're unable to work due to disability.
Critical Illness Protection
Extend your coverage with optional Critical Illness protection. Choose from Crisis Protect or Crisis Care to safeguard against 56 critical illnesses, providing an extra layer of financial security.
Investment and Savings Components
PRUActive LinkGuard isn't just about protection – it's also a powerful tool for wealth accumulation. This section explores the investment features that allow you to grow your money while staying protected. From flexible top-ups to a range of fund options, discover how PRUActive LinkGuard can help you achieve your financial goals.
Flexible Investment Options
Choose from a range of funds to align with your risk appetite and financial goals. 97% of your premium is invested, maximizing your potential for returns.
Regular and Lump-sum Top-ups
Boost your investments anytime with regular or lump-sum top-ups. This flexibility allows you to capitalize on market opportunities or adjust your strategy as needed.
Projected Cash Value
At an illustrated investment rate of return of 8% p.a., you could potentially receive S$212,400 at age 60. Note that actual returns may vary based on fund performance.
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Riders
Enhance your PRUActive LinkGuard policy with optional riders that provide additional protection and customization. These riders allow you to tailor your coverage to your specific needs and concerns. Let's explore the available riders that can complement your base policy.
Crisis Protect
Add comprehensive critical illness coverage to your policy. Crisis Protect offers a lump sum payout upon diagnosis of any of the 56 covered critical illnesses.
Crisis Care
Another option for critical illness protection, Crisis Care provides coverage against the same 56 critical illnesses. It offers flexibility in how you receive your benefit payout.
Policy Loan and Surrender Options
PRUActive LinkGuard offers flexibility when it comes to accessing your policy's value or making changes to your coverage. This section outlines the options available for policy loans and surrenders, providing you with a clear understanding of how you can leverage your policy's value if needed.
Partial Withdrawals
Make partial withdrawals at no charge after 25 months of regular premium payments. This feature allows you to access funds for major life events or unexpected expenses.
Coverage Adjustments
Adjust your coverage to align with changing priorities. You have the option to reduce coverage to zero when you turn 50, providing flexibility as your needs evolve.
Surrender Value
While early termination may result in high costs, the policy accumulates cash value over time. The actual surrender value will depend on the performance of your chosen funds.
Claims and Customer Service
Prudential is committed to providing excellent customer support and a smooth claims process for PRUActive LinkGuard policyholders. To file a claim or seek assistance, you can contact Prudential's customer service team at 1800 333 0 333. Their knowledgeable representatives are available to guide you through the claims process and answer any questions you may have about your policy. For additional support, you can visit Prudential's website at www.prudential.com.sg or speak with your Prudential Financial Consultant. Prudential aims to process claims efficiently, ensuring you receive the support you need when it matters most.
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Great experience
I have some underlying conditions and I was amazed at how the advisors were able to give me very helpful suggestions.
Conclusion
PRUActive LinkGuard offers a versatile solution for individuals seeking comprehensive life insurance coverage with investment potential. This product is particularly well-suited for young professionals starting their careers, newlyweds planning for the future, and parents looking to protect their growing families while building wealth. The flexibility to adjust coverage and make top-ups makes it an attractive option for those whose financial needs may change over time.
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Other Whole Life Policies You May Like
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PRUActive Life (II)
PRUActive Life (II) offers a unique approach to life insurance with its impressive death benefit multiplier of up to 5x. But that's not all - this innovative plan also allows you to extend protection to your parents through its Kinship Booster feature, making it a comprehensive solution for multi-generational coverage. Discover how PRUActive Life (II) can provide robust protection for both you and your loved ones.
FWD Life Income Plus
FWD Life Income Plus offers a unique combination of life coverage and cash value growth, providing a dual benefit that many policyholders find appealing. This innovative product allows you to protect your loved ones while also building financial value over time. Discover how FWD Life Income Plus could potentially align with your long-term financial and protection goals.
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