Prudential PRUflexicash Protection Plus Review

The complete Pros and Cons on Prudential PRUflexicash Protection Plus

Prudential PRUflexicash protection plus product details

  • Life policy – Endowment and Saving policy
  • Offers up to 4 times of protection coverage while you save for your future
  • Lump sum payment of up to 4 times the sum assured in the event of Death, Terminal Illness or Total and Permanent Disability
  • Flexible policy terms of 15 or 25 years
  • 3 smart ways to enjoy your Yearly Cash Benefit:
    • Receive a Yearly Cash Benefit after the second policy anniversary and use it as you wish, such as for a family holiday.
    • Enjoy bigger payouts on your policy if you choose to defer receiving your Yearly Cash Benefit after the tenth policy anniversary or later
    • Accumulate your Yearly Cash Benefit and get a non-guaranteed interest of 3% per annum
  • Use Future Insurance Option (FIO) to buy new plan within 4 years from first premium due date even if health changes. You are assured of enjoying increased coverage of up to 4 times the sum assured or S$200,000, whichever is lower

Prudential PRU flexi cash protection plus is a common search alternative for Prudential PRUflexicash protection plus.

Read AboutEndowment and Saving policy: How does it work?

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

Features of Prudential PRUflexicash protection plus at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: Yes

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
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

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

Additional Features and Benefits

Yes.

For further information and details, fill-up the form below and let us advise accordingly.

Read AboutEffects of compounding returns

Read About3 things to consider before taking up a new financial product

Prudential PRUflexicash protection plus may be suitable if you are looking for

Prudential PRUflexicash protection plus may potentially be a good fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • 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 PRUflexicash protection plus may not be suitable if you are looking for

Prudential PRUflexicash protection plus may potentially be a bad fit if the following matters to you:

  • 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.

Further considerations on Prudential PRUflexicash protection plus

  • How is Prudential or Prudential PRUflexicash protection plus investment returns based on historical performance?
  • How does Prudential PRUflexicash protection plus compare with Endowment policy from other insurance companies?
  • Can Prudential PRUflexicash protection plus fulfil my financial, insurance, health and protection needs?

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

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

Is Prudential PRUflexicash protection plus suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers 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 1: Getting to know you…

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Step 2: Understanding your savings needs…

Please select your savings preferences to allow us to optimise the financial returns of your savings plans:

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

You intend to have a saving commitment for a period (premium term) of:

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Interestguru.sg team of financial planners will compare and provide you with the best insurance savings plans based on your inputs.

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Before you go...
Prudential PRUflexicash Protection Plus 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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