Within your policy, your regular premiums and increase in regular premiums will be invested in the "Protection Account".
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1 PRODUCT SUMMARY : PruLink Heritage Account The Product Summary and Benefit Illustration are for illustrative purposes only and shall not constitute a contract. The following is a simplified description of the key product features. The exact terms can be found in your policy document. Details of Product Provider: Prudential Assurance Company Singapore (Pte) Limited ("Prudential Singapore"), 30 Cecil Street, #30-01 Prudential Tower, Singapore Tel: is the product provider. Prudential Singapore is responsible for the product features and contractual provisions and these will be explained to you by a representative of either Prudential Singapore or a distributor duly appointed by Prudential Singapore. Nature of Plan: PruLink Heritage Account is a regular premium investment-linked policy that allows you to invest in a wide range of PruLink Funds we have established. Assurance charges are paid for a limited period only. It also offers financial protection against death, Total and Permanent Disability and Terminal Illness. Within your policy, your regular premiums and increase in regular premiums will be invested in the "Protection Account". If you choose to pay a Top-Up Premium (Lump Sum), this will be invested in the "Investment Account". Reference to "Account (s)" means either both the Protection and Investment Accounts, or the Protection Account only, as the context may require. The unit value of the policy reflects the premium allocation, investment performance of the fund(s) it is invested in and the charges levied. The administration and assurance charges will be funded through the cancellation of units at the bid price. In the event there are no or insufficient units in your Account(s), your policy will terminate immediately on the next billing date except during the No Lapse Period. Please note that every investment-linked product/fund or combination of funds has its own characteristics including investment horizon, liquidity, and level of risk and you may consider some to be more appropriate to satisfy your individual needs and preferences. Please note that the product you are purchasing is a Specified Investment Product. This policy and its Supplementary benefit(s) (if any) is/are protected under the Policy Owners Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy and its Supplementary benefit(s) (if any) is/are automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the General Insurance Association (GIA) /Life Insurance Association (LIA) or SDIC web-sites ( or or You, the proposer acknowledges receipt of all pages of the Product Summary for the main plan and the relevant Supplementary benefit(s) (where applicable), the Fund Information Booklet(s) and the Product Highlights Sheet(s) (where applicable). The contents have been explained to your satisfaction. Financial Consultant's Signature Proposer's Signature Prepared by Page 1 of 11
2 What do we pay for Death Benefit? Upon the death of the life assured, we pay the value of all the units in your Account plus the sum assured of the Death Benefit and minus any outstanding amounts owing to us, in a lump sum. If you have made any claim under Accelerated Terminal Illness (TI) Benefit and/or Total and Permanent Disability (TPD) Benefit, the sum assured of the Death Benefit shall be reduced accordingly to an amount equal to the difference between the sum assured of the Death Benefit and the sum assured of the Accelerated TI Benefit and/or TPD Benefit. If the life assured commits suicide within 12 months from the Cover Start Date of your policy or from the date of reinstatement (if any), we will void your policy. In this case, we cancel it and refund your premiums less any withdrawals, all outstanding amounts owing to us in connection with your policy and expenses. We use a premium refund formula as determined by us to work out the amount to be refunded to you. What do we pay for Accelerated TI Benefit? Upon the diagnosis of TI of the life assured prior to the anniversary of the policy on which the life assured turns 65, we pay the value of all the units in your Account plus the Accelerated TI Benefit and minus any outstanding amounts owing to us, in a lump sum. "Terminal Illness" is defined as a condition which, in the opinion of an appropriate medical consultant who is registered with the Singapore Medical Council and subject to the acceptance of our appointed doctor, is highly likely to lead to death within 12 months. TI in the presence of HIV infection is excluded. What do we pay for TPD Benefit? We pay the sum assured for TPD as shown in the table below: Age* at date of disability We pay below 1 year 20% of the sum assured in a lump sum and the policy terminates. 1 to 64 years 100% of the sum assured up to $2,000,000, 6 months after the confirmed onset of Disability (the "Deferment Period"^) by a Registered Medical Practitioner. Disability is the condition of being Totally and Permanently Disabled. ^ The Deferment Period does not apply if the life assured suffers: - total and permanent blindness in both eyes as confirmed by an ophthalmologist; or - severance of any two limbs excluding hands and feet;or - total and permanent blindness in one eye as confirmed by an ophthalmologist and severance of any one limb excluding hands and feet. * age attained at last birthday For any sum assured above $2,000,000, we pay the balance sum assured (i.e. any amount that is above $2,000,000) in a lump sum in any of the following, whichever event occurs first: - 12 months from the date of the first lump sum payment; or - on the death of the life assured. If the life assured stops being Totally and Permanently Disabled before the balance sum assured is due for payment, we stop payment immediately. In such a case, you can still continue your policy for the Death Benefit and TI Benefit by paying the required regular premiums where the sum assured shall be equal to the balance sum assured (i.e. any amount that is above $2,000,000). We will pay for either the TPD Benefit or the Accelerated TI Benefit but not both. Thus, if the life assured is also diagnosed as having a TI, we will not pay the Accelerated TI Benefit if we have already paid the TPD Benefit. However, if the sum assured of the Accelerated TI Benefit exceeds the sum assured of the TPD Benefit, the sum assured of the Accelerated TI Benefit shall be reduced to an amount equal to the difference between the sum assured of the Accelerated TI Benefit and the sum assured of the TPD Benefit. Prepared by Page 2 of 11
3 Premium Allocation: A percentage of your regular premium is used to buy units at the offer price in the PruLink Fund or Funds you have chosen. The table below shows the percentage of your regular premiums that is invested in a particular year. Year * Annual mode (%) Other modes; Monthly/ Quarterly/ Half yearly (%) Year Year Year Year Year 10 onwards * refers to the year in which you pay premiums We reserve the right to change the premium allocation rates in respect of year 10 and onwards but we will give you 30 days' written notice before doing so. PruLink Funds: Please refer to Appendix B for the list of available Investment-Linked Funds and the respective Fund Information Booklet for details on the investment funds you can invest under this policy. These investment funds shall be collectively known as "PruLink Funds" hereafter. Any single fund in the PruLink Funds shall be known as a "PruLink Fund" hereafter. Options: You have the choice to: 1. Vary Premium 1.1 You can increase the amount you pay as regular premium at any time if the life assured is under age 55. The increased portion of the premium amount is treated as "New Regular Premium" and starts from the date your next premium is due. In respect of the New Regular Premiums received in the future, after the initial investment, we reserve the right to change the premium allocation rates relating to such New Regular Premiums at any time as we may deem fit, by giving you 30 days' written notice. The increase in your regular premium will result in an increase in your sum assured. The monthly assurance charges for the increased portion of the sum assured will be charged for 25 years from the date your increase in premium becomes effective. This will form a separate stream of monthly assurance charges for 25 years from your existing stream of monthly assurance charges. Such monthly assurance charges will be based on the life assured's age next birthday as at the date of effective increase in premium. Once your increase in premium is effective you pay the total regular premium amount every time your premium falls due. 1.2 You can reduce the amount you pay as regular premium but the reduced amount must be equal to or more than any minimum amount we specify. The reduction starts from the date your next premium is due. After that, you pay the reduced regular premium every time your premium falls due. With the reduction in your regular premium, your sum assured will also be reduced subject to the minimum amount that we specify. This will also result in the reduction of the monthly assurance charges. In the event of any reduction against any New Regular Premium, the reduction of your sum assured will be made against the portion of your sum assured that was last increased. Prepared by Page 3 of 11
4 2. Top up your premium You can pay an additional lump sum premium ("Top-Up Premium (Lump Sum)") at any time to increase your investment. The minimum Top-Up Premium (Lump Sum) is $2,000. We place the Top-Up Premium (Lump Sum) into the Investment Account. We use % of your Top-Up Premium (Lump Sum) to buy units at the offer price in the PruLink Fund or Funds you have chosen. We credit the units to your Investment Account. There is a net sales charge of 3% of your Top-Up Premium (Lump Sum) which currently comprises the initial investment charge (bid-offer spread) and the percentage of premium invested of your Top-Up Premium (Lump Sum). Example: Top-Up Premium (LumpSum) = $10,000 Bid price = 0.95 Offer price = 1.00 Allocation rate = % Number of units in the Account = $10,000 x % = 10, Value of total units = 10,211 x 0.95 = $9,700 Therefore, Net Sales Charge = 1 - $9,700 = 3.00% Aa $10,000 We reserve the right to levy (or vary) an administration charge for the Top-Up Premium (Lump Sum) feature at any time, but will not do so before giving you 30 days' written notice. 3. Switch fund(s) Once you have enough units in your Account(s), you can ask us to switch them to other PruLink Funds that are available. You must specify which Account (the Protection or Investment Account (if applicable)) you wish to switch out from. Funds from the different Accounts cannot be combined. They will remain separate even though you may choose the same fund to switch into. There is a minimum amount you can switch out of a PruLink Fund and this minimum amount will be made known to you at the time of your application to do the switch. The value of the remaining units in the PruLink Fund that you are switching out from cannot be lower than a stipulated minimum amount. To calculate the value of the remaining units, we use the bid price at the time the switch is carried out. If the value of the remaining units is lower than the stipulated minimum amount, you must switch all the units out of the fund. We reserve the right to vary, from time to time, the minimum amount you can switch out of a fund in respect of any new application to switch funds. This minimum amount will be made known to you at the time of your application to do the switch. We currently do not charge for fund switches. However, we reserve the right to levy a switching fee but will give you 30 days' written notice before doing so. 4. Make partial withdrawals You can make a partial withdrawal by asking us to sell some of the units from your Account(s). You must specify which Account (the Protection or Investment Account [if applicable]) you wish to withdraw from. You can only make a partial withdrawal if you have a minimum amount in your Account(s). The minimum amount you can withdraw is currently $1,000. The remaining units in your Account(s) must be worth at least $5,000 based on the bid price at the time of withdrawal. If not, you will not be able to make a partial withdrawal. Prepared by Page 4 of 11
5 5. Select additional benefits according to your need(s) You may wish to add supplementary benefits that will provide additional coverage to your policy. These benefits are optional. Extra premiums are payable for the additional benefits. You can add these benefits only if they are available and the life assured is within the age limits at the time when the benefits are selected. 5.1 Crisis Waiver III: Waives future premiums of all the policy benefits covered upon diagnosis of any one of the 35 critical illnesses. The benefits covered will continue as if the premiums continue to be paid. 5.2 Early Stage Crisis Waiver: Waives future premiums of the covered benefits for a limited period upon diagnosis of early or intermediate stage medical conditions. The benefits covered will continue as if the premiums continue to be paid. 5.3 Payer Security III/ Payer Security Plus: Safeguards your loved one's policy in the event that Death, Critical Illness or Total and Permanent Disability strikes you. Payer Security III waives the remaining premiums of your child's policy till the policy anniversary before he or she turns 25, or the end of the premium payment term, whichever is earlier. Payer Security Plus provides a longer benefit term and it waives the remaining premiums of your loved one's policy until the policy anniversary before you reach 85, or the end of premium payment term, whichever is earlier. 5.4 Early Payer Security: Waives the premium payments for a fixed period upon diagnosis of early or intermediate stage medical conditions, so that you need not worry about losing your loved one's coverage while you can concentrate on your treatment. Refer to the respective Product Summary for detailed information on the above supplementary benefits. Exclusions: There are certain conditions under which no benefits will be payable. These are stated in the section, "What is not covered". You are advised to read your policy document for the full details of these exclusions. Surrender Value: The surrender value of this policy is the value of all units at the point of application for surrender at the bid price. No Lapse Period Within the first 5 years from the start date of your policy, your policy will not lapse even if the unit value in your Protection Account is insufficient to pay for your administration and assurance charges. The No Lapse Period ( NLP ) will be applicable only if: - you have paid all regular premiums when they fall due or back-paid all regular premiums due; and - you have not withdrawn any units credited to your Protection Account. If, during the first 5 years, the NLP does not apply because any of the above conditions were not met, you can reinstate the NLP for the remaining unexpired period of those 5 years by satisfying those conditions. The NLP will not, however, be extended beyond the said 5 year period even if the NLP were to be reinstated. Charges: The following charges will be levied on the policy where applicable. Unless otherwise stated, the charges will be funded through the cancellation of units at bid price. We will not refund the charges deducted from your Account(s) upon the surrender or termination of your main policy. 1. Administration Charge From the first premium due date of the policy and on the same day every month for 25 years, we bill the Protection Account for an administration charge of $10 per month. Unless otherwise stated, the administration charges will be funded through the cancellation of units in the Protection Account at the bid price. If there are insufficient units in the Protection Account, then we will deduct the charges from the Investment Account (if any). Prepared by Page 5 of 11
6 Please note that the administration charges are not guaranteed and we reserve the right to increase the monthly administration charge up to a maximum of $20 per month and/or extend the monthly administration charge beyond 25 years. We will give 30 days' written notice before doing so. 2. Assurance Charge From the first premium due date of the policy and on the same day every month for 25 years, we bill the Protection Account for the costs of providing you the basic benefits of Death, TPD and TI. Please refer to Appendix A for the current assurance charges for Death, TPD and TI. Unless otherwise stated, the assurance charges will be funded through the cancellation of units in the Protection Account at the bid price. If there are insufficient units in the Protection Account, then we will deduct the charges from the Investment Account (if any). During the No Lapse Period, the assurance charges billed to the Protection Account will remain as outstanding amounts owing to us if there are insufficient units to pay for them. Please note that the assurance charges are not guaranteed and we reserve the right to vary the assurance charges for the basic benefits of Death, TPD and TI. We will give 30 days' written notice before doing so. 3. Investment Charges (a) Initial Investment Charge There is a 5% initial investment charge (bid-offer spread) on each premium. (b) Other Investment Charges Please refer to the section on Fees under the respective schedules in the Fund Information Booklet for details. Reports: You will receive a statement on the performance and value of your investment-linked life policies. The statement will be issued by Prudential annually. The financial year-end of the PruLink Fund(s) is 31 December of each year. You will receive the Semi-Annual Report and Annual Audited Report within 2 months and 3 months respectively from the last date of the period to which the report dates. The Semi-Annual Report and Annual Audited Report may also be obtained from Prepared by Page 6 of 11
7 What happens if the parties involved in the PruLink Funds becomes insolvent? Eastspring Investments (Singapore) Limited The assets of the Funds and/or the Underlying Funds and/or Underlying Entities are held by a Custodian and/or a Trustee. The Custodian and/or Trustee shall keep these assets segregated on its books and records from its own assets and the assets of its other clients. Schroders Investment Management (Singapore) Limited Securities held by the Custodian or the Trustee will be segregated from the other assets of the Fund Manager or the Investment Managers (as the case may be) and ring-fenced against the insolvency of the Fund Manager and/or the Investment Managers. Aberdeen Asset Management Asia Limited The Trustee of the Fund, the Aberdeen Select Portfolio, is responsible for the safe-keeping of the assets of the Underlying Fund in accordance with the trust deed of the Aberdeen Select Portfolio. Under the trust deed of the Aberdeen Select Portfolio, if the Investment Manager, i.e. Aberdeen Asset Management Asia Limited, goes into liquidation (except a voluntary liquidation for the purpose of reconstruction or amalgamation upon terms previously approved in writing by the Trustee) or if a receiver is appointed over any of its assets or a judicial manager is appointed in respect of the Investment Manager or if it ceases business, the Trustee may remove the Investment Manager. The Underlying Fund may also be terminated by the Trustee if the Investment Manager goes into liquidation (except a voluntary liquidation for the purpose of reconstruction or amalgamation upon terms previously approved in writing by the Trustee) or if a receiver is appointed over any of its assets or if a judicial manager is appointed in respect of the Investment Manager or if any encumbrancer takes possession of any of its assets or if it ceases business. JPMorgan Asset Management Limited The Managers and/or Investment Managers use a Custodian or a Trustee to safeguard the assets of the Funds and/or the Underlying Funds. The assets of the PruLink Funds will appear in the Manager's and/or Investment Manager's books (as the case may be) as belonging to the Product Provider. The assets of the Funds and/or the Underlying Funds held by the Custodian or the Trustee will be segregated from all other assets which mitigates but does not exclude the risk of non-restitution of the assets in the case of the insolvency of the Manager and/or the Investment Manager. RCM Asia Pacific Limited The Managers and/or Investment Managers use a Custodian or a Trustee to safeguard the assets of the Funds and/or the Underlying Funds. The assets of the PruLink Funds will appear in the Manager's and/or Investment Manager's books (as the case may be) as belonging to the Product Provider. The assets of the Fund and/or the Underlying Fund held by the Custodian or the Trustee will be segregated from all other assets which mitigates but does not exclude the risk of non-restitution of the assets in the case of the insolvency of the Manager and/or the Investment Manager. FIL Fund Management Limited The Managers and/or Investment Managers use a Custodian or a Trustee to safeguard the assets of the Funds and/or the Underlying Funds. The assets of the PruLink Fund will appear in the Underlying Fund's books (as the case may be) as belonging to the Product Provider. Securities held by the Custodian or the Trustee will be segregated from the other assets of the Fund Managers or the Investment Managers (as the case may be) which mitigates but does not exclude the risk of non-restitution of the assets in the case of the insolvency of the Manager and/or the Investment Manager. Prepared by Page 7 of 11
8 LaSalle Investment Management Limited The LaSalle Global Property Fund SICAV SIF uses a third-party Custodian to safeguard the assets of Sub-Fund I. The Sub-Fund I itself is subject to the rules and regulations of Luxembourg as a specialized investment fund. The assets of the LaSalle Global Property Fund SICAV - SIF appear on the Custodian's books as belonging to the LaSalle Global Property Fund SICAV - SIF. The PruLink Fund furthermore is listed on the Custodian's books as a Sub-Fund I shareholder. Securities held by the Custodian will be segregated from the other assets of the the Portfolio Manager and Sub-Portfolio Manager (as the case may be) which mitigates but does not exclude the risk of non-restitution of the assets in the case of the insolvency of the Portfolio Manager and/or the Sub-Portfolio Manager. Note: Life insurance is a contract of utmost good faith and a Proposer is required to disclose in the proposal form fully and faithfully all the facts, which he/she knows or ought to know, as otherwise the policy issued may be void. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. Investment products are subject to investment risks including the possible loss of the principal amount invested. The value of the units and the income accruing to the units (if any) may fall or rise. Please refer to the exact terms and conditions, specific details and exclusions applicable to these insurance products in the policy document. We reserve the right to change, introduce new options or at our discretion withdraw the options offered, change the charges, as we consider appropriate. Free Look Period: This policy may be cancelled by written request to us within 14 days after you receive the policy document in which case, premiums paid less any outstanding amounts owing to us in connection with your policy will be refunded. We use a premium refund formula as determined by us to work out the amount to be refunded. As your policy is an investment-linked life policy, we will, in determining the amount that is payable to you, additionally be entitled to adjust the amount to reflect the change in market value of the underlying assets. Prepared by Page 8 of 11
9 Appendix A - Assurance Charges for Death, TPD and TI Level Charges for Death and TI Benefits payable for 25 years (From Age 66, only Death) (per $1,000 sum assured, per annum) Level Charges for TPD Benefit payable for 25 years^ (per $1,000 sum assured, per annum) Monthly Modal Factor : Monthly Modal Factor : AGE * MS MNS FS FNS AGE * MS MNS FS FNS Prepared by Page 9 of 11
10 AGE * MS MNS FS FNS AGE * MS MNS FS FNS * Age next birthday at policy issue date * Age next birthday at policy issue date ^ For age at entry 41 onwards, charges cease at age 65 MS: Male Smoker MNS: Male Non-Smoker FS: Female Smoker FNS: Female Non-Smoker Numerical example of calculation of monthly assurance charges Assume policyholder (rated as a standard life) has the following details: Current Age (age next birthday) Sex Smoker Status Sum assured = 35 years old = Male = Non-Smoker = $200,000 for Death, TPD and TI For calculation of the current level monthly assurance charge, Death, TPD and TI rate = $4.84 per $1,000 sum assured Total current level monthly assurance charge = $(200,000 x 4.84 /1000 x ) = $80.73 Prepared by Page 10 of 11
11 Appendix B Available Investment-Linked Funds PRULINK FUNDS Continuing Investment Charge* PruLink Adapt 2025 Fund 1.45% PruLink Adapt 2035 Fund 1.60% PruLink America Fund 1.35% PruLink Asian American Managed Fund 1.30% PruLink Asian Equity Fund 1.50% PruLink Asian Income and Growth Fund (Acc) 1.30% PruLink Asian Infrastructure Equity Fund 1.50% PruLink China-India Fund 1.50% PruLink Emerging Markets Fund 1.60% PruLink Global Developing Trend Fund 1.50% PruLink Global Bond Fund 0.75% PruLink Global Equity Fund^ 1.50% PruLink Global Managed Fund 1.30% PruLink Global Property Securities Fund 1.50% PruLink Global Technology Fund 1.50% PruLink Greater China Fund 1.50% PruLink India Equity Fund 1.50% PruLink Pan European Fund 1.50% PruLink Singapore ASEAN Managed Fund 1.30% PruLink Singapore Dynamic Bond Fund 0.50% PruLink Singapore Growth Fund 1.30% PruLink Singapore Cash Fund** 0.30% Information correct as at 03 January 2017 ^ PruLink Global Equity Fund s Continuing Investment Charge will be reduced from 1.5% to 1.3% effective from 20 Feb *Annualised **PruLink Singapore Cash Fund is available for Fund Switch only Prepared by Page 11 of 11
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