Prudential PRUActive Saver III Review

The complete Pros and Cons on Prudential PRUActive Saver III

Prudential PRUActive Saver III product details

  • Life policy – Endowment and Saving policy
  • Premium Payment
    • Choose to pay premiums from 5 to 30 years
  • Policy Term
    • Choose your policy maturity date from 10 to 30 years later
  • Capital Guaranteed
    • You will receive at least guaranteed 100% of all premiums paid upon policy maturity
  • Death Benefit
    • Be covered against Death of 105% of all premiums paid or 101% of surrender value, whichever is higher
  • Hassle-free Application
    • No health questions or checks will be asked, guaranteed acceptance

Read aboutEndowment and Saving policy: How does it work?

Read aboutEndowment and Saving policy: Is it the best option?

Features of Prudential PRUActive Saver III at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders

  • Crisis Waiver III
  • Early Stage Crisis Waiver
  • Payer Security Plus

Additional Features and Benefits

Yes.

For further information and details, refer to Prudential website. Alternatively, fill-up the form below and let us advise accordingly.

Read aboutEffects of compounding returns on your saving

Read aboutWhere do I start with financial planning

Prudential PRUActive Saver III may be suitable if you are looking for

Prudential PRUActive Saver III may potentially be a good fit if the following matters to you:

  • A hassle-free application without medical underwriting
  • Short to medium term endowment and savings plan
  • To saving regularly over a period of time
  • To potentially generate higher financial returns compared to bank accounts

Prudential PRUActive Saver III may not be suitable if you are looking for

Prudential PRUActive Saver III may potentially be a bad fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Lifetime regular cash payout
  • A one-time premium commitment with no further cash commitment
  • Potentially higher financial returns compared to a pure investment product.
  • Insurance policy with a high surrender value in the early years of the policy.

Read AboutHow can I accumulate a million dollar (Realistically)

Further considerations on Prudential PRUActive Saver III

  • How are Prudential or Prudential PRUActive Saver III investment returns based on historical performance?
  • How does Prudential PRUActive Saver III compare with Endowment policy from other insurance companies?
  • Can Prudential PRUActive Saver III fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features on Prudential PRUActive Saver III. Talk to us or seek advice from a financial adviser before making any decision about Prudential PRUActive Saver III.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

Read aboutHow can I accumulate a million dollar (Realistically)

Read About3 best Savings plans and endowment policies in Singapore (updated Jan 2020)

Where can I compare the payout and benefits of saving plans and endowment policies?

Before committing to an insurance policy, it certainly pays to make an effort to compare. Specific product features, benefits, and payouts will differ more than you think across insurance companies. Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?

Use our Compare NOW feature to receive the most competitive quotes on saving plans and endowment policies.

Alternatively, you just need to provide us with a couple of details below.

Is Prudential PRUActive Saver III suitable for me?

Contact InterestGuru using the form below. Our panel of Independent financial planners will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

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Step 2: Understanding your savings needs…

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You have a yearly savings budget (annual premium) of:

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Before you go...
Prudential PRUActive Saver III may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
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