Prudential PRUWealth Plus Review

The complete Pros and Cons on Prudential PRUWealth Plus

Prudential PRUWealth Plus is an endowment plan that allows you to save regularly over 5 to 20 years or with a single premium, fundable with funds from your SRS.

Prudential PRUWealth Plus product details

  • Life policy – Endowment and Saving policy
  • Premium Payment Term – flexible savings term or fund using your SRS
    • Choose to save a Single Premium (SP) or over 5, 10, 15 or 20 years
    • For SP option, you have the option to pay with Cash or using your SRS
  • Capital Guarantee – all your capital is guaranteed
    • Single Premium: 10th year
    • 5-year Premium Term: 15th year
    • 10-year Premium Term: 18th year
    • 15 or 20-year Premium Term: 19th year
  • Premium Deferment Option
    • You can choose to defer premium payment for 2 years if the need arises
    • This option is available after making payment for 2 policy years
  • Retrenchment Benefit – in the event you lose your job
    • SP option: Receive 10% of the Single Premium
    • 5, 10, 15 and 20-year Premium Terms: Receive 50% of the annual premium
  • Financial Flexibility
    • You can partially withdraw from this endowment plan to spend as you need
  • Secondary Life Assured
    • You can appoint a secondary life assured, joint ownership or change the life assured so your loved one can continue to enjoy the savings of this endowment plan
  • Hassle-free Application
    • Enjoy guaranteed acceptance with no health checks or questions asked
  • Premium Waiver Riders
    • Early Stage Crisis Waiver
      • Waives premiums for 5 years in the event you are diagnosed with early-stage critical illness, up to 2 claims
      • Waives premiums for 10 years in the event you are diagnosed with intermediate to advanced-stage critical illness
    • Crisis Waiver III
      • All future premiums are waived in the event you are diagnosed with any of the 35 listed advanced-stage critical illnesses
    • Payer Security Plus
      • All future premiums are waived in the event of your passing

Read aboutEndowment and Saving policy: How does it work?

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

Features of Prudential PRUWealth 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: 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

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

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 PRUWealth Plus may be suitable if you are looking for

Prudential PRUWealth Plus 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
  • A one-time premium commitment with no further cash commitment or
  • To save regularly over a period of time
  • To potentially generate higher financial returns compared to bank accounts

Prudential PRUWealth Plus may not be suitable if you are looking for

Prudential PRUWealth Plus 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
  • 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 dollars (Realistically)

Further considerations on Prudential PRUWealth Plus

  • How is Prudential or Prudential PRUWealth Plus investment returns based on historical performance?
  • How does Prudential PRUWealth Plus compare with endowment policies from other insurance companies?
  • Can Prudential PRUWealth Plus fulfill my financial, insurance, health, and protection needs?

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

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

Read aboutHow can I accumulate a million dollar (Realistically)

Read About3 best Savings plans and endowment policies in Singapore

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 PRUWealth 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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Before you go...
Prudential PRUWealth 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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