Prudential PRUVantage RetireCare Review

The complete Pros and Cons on Prudential PRUVantage RetireCare

Prudential PRUVantage RetireCare product details

  • Life Policy – Investment-linked policy
  • Pay premiums for 5, 10 or 15 years.
  • Pays out cash benefits for hospitalisation, surgery, recovery, and cancer drug treatments, helping ensure your desired monthly income remains unaffected while supporting you to supplement medical expenses.
  • Target retirement monthly income will be paid from your chosen retirement age, with the option to increase it by up to 5% per annum (p.a.) to keep pace with inflation.
  • Option to adjust your retirement age, monthly income, coverage, make withdrawals and top-ups as you need.
  • Jumpstart your investment journey with simplified administration charges, investing 100% of premiums from day 1 and receive additional units throughout the policy term as bonuses – up to 30% in the first year as Welcome Bonus, 0.8% Loyalty Bonus every 8 years and up to 9.6% Retirement Bonus on achieving retirement age.

Prudential PRU link heritage account is a common search alternative for Prudential PRUlink heritage account.

Read AboutHow does Investment-Linked Policy work?

Read AboutInvestment-Linked Policy: Is it the best option?

Features of Prudential PRUVantage RetireCare at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: Yes

Health and Insurance Coverage

Death: No
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
  • Early Payer Security

Additional Features and Benefits


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

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Prudential PRUVantage RetireCare may be suitable if you are looking for

Prudential PRUVantage RetireCare may potentially be a good fit if the following matters to you:

  • To participate in the long-term financial returns of investing.
  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Able to take investment risks and comfortable with financial market volatility.
  • Potentially higher financial returns compare to traditional Endowment and Whole Life Policy.

Prudential PRUVantage RetireCare may not be suitable if you are looking for

Prudential PRUVantage RetireCare may potentially be a bad fit if the following matters to you:

  • Initial high protection for Death and Terminal Illness coverage at an affordable premium.
  • Initial high Early Critical Illness, Critical Illness and Total Permanent Disability coverage in an Insurance Policy.
  • Health and Protection coverage due to a shortfall in your Insurance Portfolio.
  • Life-long health and protection coverage due to increasing mortality charges.
  • Guaranteed financial returns in the long-run.
  • Insurance policy with a high surrender value in the early years of the policy.
  • Expecting an urgent need for withdrawal during a financial market downturn.

Further considerations on Prudential PRUVantage RetireCare

  • How are the investment returns of Prudential or Prudential PRUVantage RetireCare based on historical performance?
  • How good is Prudential PRUVantage RetireCare compared to Investment Linked Policy from other insurance companies?
  • Can Prudential PRUVantage RetireCare fulfil my financial insurance, health and protection needs?

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

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

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Is Prudential PRUVantage RetireCare 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.

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    Before you go...
    Prudential PRUVantage RetireCare 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.
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