The foundation to your wealth that offers protection.

A single insurance plan that combines Protection and Savings.



PRUcash is an anticipated endowment with profits policy.
PRUcash provides guaranteed cash payment of 6% of sum assured every 2 years before maturity and 100% of the sum assured plus bonuses at maturity. Sum assured plus bonuses is also payable in the event of total and permanent disability before age 60 or death.
PRUcash can be purchased for terms of 20, 22, 24, 26, 28 and 30 years, subject to a maximum maturity age of 70.
PRUcash is also available to children below age 16.

How It Works


PRUcash is a fixed term policy that can be purchased for a 20 to 30-year term, in multiple of 2 years with premiums paid throughout the term of the policy. Survival benefit payments of 6% of the sum assured will be paid every 2 years, except the final policy year, to provide you with liquidity. This extra cash allows you to pay for the little pleasures in life, letting you save up for the future without losing the opportunity to enjoy life.
Choose to receive the survival benefit as cash or accumulate the same and earn compounded interest during the entire policy term. On death of the Life Assured, the beneficiary will receive the full sum assured, as well as any attaching bonuses and accumulated cash, irrespective of the survival benefits already paid.


Apart from the cash survival benefit, Prudential also lets you share in profits when you receive the Reversionary Bonus1 and Terminal Bonus2. The bonuses are declared annually and are payable upon death or total and permanent disability (TPD), policy maturity or upon surrender of policy.
What will be paid out?
Upon death or maturity
The sum assured;
Reversionary bonus;
Terminal bonus; and
Any accumulated cash (with interest), will be payable.
Total and Permanent Disability3
Pays in the same way as the death benefit
Upon surrender policy
Guaranteed cash value;
Any cash value of reversionary bonus;
Any cash value of terminal bonus; and
Any accumulated cash (with interest), will be payable.



The premium you pay will depend on entry age, gender and smoking status.


Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Banker’s Order, Credit Card, Cash or Cheque. 


Yes, you can take up a Policy Loan, Automatic Premium Loan and Surgical & Nursing Fees Loan, subject to terms and conditions.
Reversionary Bonus1
  • Will be available from the calendar year following the 2nd policy anniversary
  • Will be payable upon the maturity of the plan, death or TPD of the life assured or upon policy surrender
  • The policy will have cash value after at least 3 years premiums have been paid and policy has been in force for 3 years.
  • Full value of Reversionary Bonus declared is not payable on early termination, surrender or conversion of the policy.
Terminal Bonus2
  • Will be payable upon maturity of the plan, death or TPD of the life assured or upon policy surrender.

Who Can Apply

This plan is available for individuals between the ages of 1 - 50 years on their next birthday, who:
  • Want a plan which combines savings and protection
  • Value liquidity and wish to receive regular cash benefits even as their life savings continue to grow
  • Want guaranteed payout of the sum assured plus bonuses of their insurance policy

Optional Benefits

For protection to your family against any unfortunate eventualities, we also offer you optional benefits with your PRUcash plan. You may enhance your plan by adding these optional benefits ranging from medical, accidental, waiver of premium and term insurance.
1) Health & Medical Covers

Get peace of mind with comprehensive medical coverage for expenses incurred in the event of hospitalisation via PMM5.

2) Waiver Covers

Waives all future premiums of your plan in the event of death (if applicable), disability or critical illness on behalf of the payor of the plan be it yourself or your spouse.

3) Critical Illness Covers

Takes care of you in the event you are diagnosed with a critical illness such as Crisis Cover Benefit and Crisis Cover Plus.

4) Accident Covers

Get comprehensive coverage for death and injuries due to accident with Accidental Death and Disablement, Accidental Medical Reimbursement and Weekly Indemnity cover. Let these benefits help elevate your worries from the accident so that you can recover from your injuries without any unwanted distraction.

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For further details on the product, please call 03-2116 0228, email us at or contact your friendly Prudential Wealth Planner.

Important notes:
1.You should assess the affordability and suitability of the product (including optional benefits) in relation to your financial goals and risk appetite. To achieve this, we recommend you speak to your agent or Wealth Planner who will perform a needs analysis and assist you to make an informed decision.
2.This website is for illustrative purposes only. You are advised to refer to the Prudential Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.
3.Buying life insurance policy is a long-term financial commitment. You must choose the type of policy that best suits your personal circumstances. You should read and understand the insurance policy and discuss with the agent/Wealth Planner or contact the insurance company directly for more information.