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Be it cash for a family holiday or for an emergency, wouldn’t it be nice to know that you are financially ready for whatever life has in store for you?

PRUflexicash is a participating fixed-term policy that has been specially tailored to help you save for the future while giving you life protection and financial flexibility with a Yearly Cashback1.


How it works


Mr Kee (male, non-smoker), age 35 next birthday, wants to set aside about S$393 a month for the next 25 years for the future university education of his son, James (male, non-smoker), age 1 next birthday.

He wants to receive at least S$18,000 yearly over 4 years to fund James’ university education when he reaches age 21.

See how PRUflexicash (25 years) will potentially help Mr Kee achieve this:

End of

Annual Premium*
Projected Amount Receivable at End of Each Policy Year
Maturity Benefit
(Projected at 5.25% p.a. Investment Return)
*Premiums quoted are based on a non-smoker male aged 1 on his next birthday with sum assured of S$60,000.

Mr Kee can look forward to total potential returns of up to S$177,510 (inclusive of Yearly Cashback1 of up to S$72,000 and maturity benefit of up to S$105,5105)

At the end of the 25th policy year, Mr Kee can look forward to a non-guaranteed maturity benefit of up to S$105,5105.

For as little as S$0.98 a day6 (S$30 per month), Mr Kee can add Payer Security III to his PRUflexicash policy, which ensures that James’ education plans will not be jeopardised in the event of Critical Illness, Total and Permanent Disability2 and Death.

To find out more, speak to a UOB Personal Banker today at your nearest UOB Group Branch.

Download PRUflexicash brochure here.

More Information


PRUflexicash is a plan offered by Prudential Assurance Company Singapore (Pte) Ltd ("Prudential Singapore") under the 6th series.
1 There is a choice to receive the Yearly Cashback after the end of the 2nd policy anniversary or after the 10th policy anniversary up to one year before the cover expiry date of the plan.
2 Policy provides coverage against Terminal Illness ("TI") and Total and Permanent Disability ("TPD") during the term of the policy, and before the anniversary of the policy on which the Life Assured will attain the age of 65. The Life Assured cannot claim for both TI and TPD. If TPD occurs before age 1, 20% of the sum assured will be payable in one lump sum and the policy terminates. In the event of any payout, the amount will less off policy outstanding loans (if any).
3 Bonuses are not guaranteed and will vary according to the future experience of the participating fund.
4 The interest rate is not guaranteed and is subject to change according to prevailing market conditions.
5 The Non-Guaranteed Amount is illustrated assuming that:
a) the Yearly Cashbacks accumulate at an interest rate of 3% p.a (the interest rate is not guaranteed and is subject to change according to prevailing market conditions), and
b) the projected investment rate of return is 5.25% p.a (as the bonus rates are non-guaranteed, the actual benefits payable will vary according to the future performance of the participating funds). Figures are for illustrative purpose only, and rounded up to the nearest dollar.
6 Premium quoted is based on an annual basis (i.e. S$358.48 per year) for a nonsmoking male, age 35 next birthday, with a sum assured of S$60,000 and a premium payment term of 25 years. Premium rates are not guaranteed.

Important Notice and Disclaimers:
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. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This marketing material is not a contract of assurance nor is it intended as an offer or recommendation with respect to the purchase or sale of the above product. Acceptance of the proposal is subject to underwriting. The precise terms and conditions of the above product are specified in the policy. The above is for general information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from a financial adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether this product is suitable for you. In case of inconsistency between the English and Chinese versions, the English version shall apply and prevail.

United Overseas Bank Limited does not hold itself out to be an insurer, insurance broker or insurance agent. The insurance product stated herein is provided by Prudential Assurance Company Singapore (Pte) Limited. This material is not required to be reviewed or endorsed by the Monetary Authority of Singapore.

United Overseas Bank Limited Co. Reg. No. 193500026Z
Prudential Assurance Company Singapore (Pte) Limited. Reg. No. 199002477Z
June 2012

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