Two adviser-sold term plans on sale today: a flexible long-horizon chassis with a deep rider ecosystem, and a simplified-underwriting plan for people with existing conditions. Research based on public materials accessed 2026-07-14.
Prudential's adviser-sold term lineup centres on two current products: PRUActive Term and PRUVital Cover.
PRUActive Term is the flagship: very long policy and premium terms (cover framed up to age 100), an Incremental Sum Assured feature that raises cover 1–10% a year without fresh medical evidence, and the richest rider ecosystem (critical-illness and premium-waiver layers).
PRUVital Cover is the niche plan for people with certain existing conditions — Type 2 diabetes, high cholesterol, high blood pressure, high BMI — using simplified underwriting with no medical exam, in exchange for stricter pre-existing-condition rules.
Prudential also has a long tail of legacy term plans (PRUTerm Basic, Renewable, Ascend, Vantage, PRUMortgage) that are no longer on its current term-life page — covered at the bottom of this page.
Selling now
On sale now
PRUActive Term
Adviser-sold · Flexible long-term cover with the richest rider ecosystem
Promotion
Current campaign: Ascend or Opus customers (and family members) get an additional 10% first-year premium discount on PRUActive Term when the premium is paid annually — verify the live campaign terms and inception window with an adviser.
Covers death, terminal illness and TPD during the policy term (TPD cover ends before the policy anniversary prior to age 70)
Policy term 10–82 years — public page frames this as cover till age 100; premium term selectable from 5–82 years
Incremental Sum Assured: increase basic cover 1–10% every year without further medical examination (premium rises as cover increments)
Minimum sum assured S$100,000 publicly shown; public maximum unspecified
TPD has a S$2,000,000 immediate-payment cap — any excess balance is paid later subject to conditions (adviser product summary)
Limited surrender value exists only where the premium term is shorter than the policy term
Build your cover — toggle riders on and off
On sale now
PRUVital Cover
Adviser-sold · Term protection for people with certain existing conditions
Explicitly marketed for Type 2 diabetes, high cholesterol, high blood pressure and high BMI profiles
Simplified underwriting — no medical examination required
Death and terminal illness cover up to S$500,000 (public minimum unspecified)
Optional disability cover to age 70 (or policy term, whichever is lower)
Optional cover for five named critical illnesses: blindness, stroke with permanent neurological deficit, end-stage kidney failure, heart attack of specified severity, major cancer
Build your cover — toggle riders on and off
Benefits side by side
PRUActive Term
PRUVital Cover
Base coverage
Death, terminal illness, TPD
Death, terminal illness
TPD end age
Before policy anniversary prior to age 70
Optional disability to age 70 or policy term, whichever lower
Policy term
10–82 years (framed as cover till age 100)
Specific term; exact menu unspecified publicly
Premium term
5–82 years
Follows premium term selected; exact menu unspecified publicly
Sum assured
Minimum S$100,000; public maximum unspecified
Up to S$500,000; public minimum unspecified
Cover growth
Incremental Sum Assured 1–10%/yr without new medicals
Not offered
Renewability
Unspecified publicly
Unspecified publicly
Convertibility
Unconfirmed in official public materials (one local review claims a conversion privilege; not verifiable)
Unspecified publicly
Underwriting
Full financial and medical underwriting
Simplified, no medical exam
Product timeline
2026 — Term-life page lists PRUActive Term, PRUVital Cover plus two DIRECT (DPI) plans; legacy PRUTerm family fully off-page.
Underwriting posture
Adviser-sold plans (PRUActive Term) go through full financial and medical underwriting; Prudential may reject an application or charge a higher premium.
Prudential's forms track health, occupation, financial status, smoking status, hazardous activities and prior applications accepted on special terms — those are the factors most likely to change price or terms.
PRUVital Cover deliberately skips the medical exam (simplified underwriting) — the trade-off is the stricter 12-month pre-existing-condition rule.
Prudential may seek medical reports and charge for check-ups; disclosures are made under Singapore's utmost-good-faith framework. Be aggressively accurate — incomplete disclosure on PRUVital Cover can void the safety the plan exists to provide.
Retail financial-underwriting thresholds (income multiples that trigger payslips/NOA/CPF evidence) are not published — unspecified publicly.
Claims & servicing
Death claims: policy numbers, deceased details, death details on Prudential's claim form.
Terminal-illness claims: symptom onset, first consultation date, prior similar illness, employer details. Terminal illness is defined as a condition highly likely to lead to death within 12 months, agreed by Prudential's appointed doctor.
Disability and crisis-cover claims use dedicated forms with condition-specific attachments (e.g. CT/MRI results for stroke-type claims, specialist reports for CI). Expect documentary medical corroboration, not just a diagnosis label.
Complaint handling (Prudential's Fair Dealing commitment): acknowledgement within 2 business days, written response within 20 business days, interim updates every 14 business days, and escalation to FIDReC if unresolved.
Which plan fits which buyer
Buyer expecting rising responsibilities who wants richer rider architecture
PRUActive Term
Long-term flexibility, incremental sum assured without new medicals, broader CI/waiver layer
Buyer with diabetes / high BP / cholesterol / high BMI who may struggle with ordinary underwriting
PRUVital Cover
Simplified underwriting and no medical exam — with more explicit pre-existing-condition limitations
Buyer who mainly needs a mortgage extinguished, not income replaced
PRUActive Term (sized to the loan)
Prudential's dedicated mortgage-term plans are legacy; a term sized and timed to the loan does the same job
Review & complaint signals
Expert commentary
Local commentary frames PRUActive Term as a customisable pure-protection chassis (not a savings product). One review claims a conversion privilege without re-underwriting — unverifiable in Prudential's current public materials, so treat as unconfirmed.
Consumer reviews
Plan-specific public review density is low; Seedly still lists Prudential products, indicating ongoing consumer interest. Treat platform reviews as anecdotal, not representative.
Complaint signal (weak)
Trustpilot shows 1.7/5 from just 18 reviews for Prudential Singapore — a small, uninvited sample clustered around servicing friction and claims/contact routing, not plan value. Weak-quality signal.
Governance signal (positive)
Published complaint-handling timelines (2-day acknowledgement / 20-day response / 14-day interim updates) with an explicit FIDReC escalation route.
Past & legacy plans
No longer on Prudential’s current term page. If you hold one, it still runs on its original contract — tap a card for what’s publicly known.
Prudential's product-design transparency is better than its public pricing transparency. Adviser-sold term pricing is quotation-based and there is no public rate table. Treat any public price point as directional only — a licensed adviser can pull a fresh Prudential policy illustration with your exact age, smoker status and underwriting profile, and apply any live first-year campaign discounts.
Get Prudential term premiums priced properly
An adviser can help you:
Pull a live Prudential policy illustration for your exact age, smoker status and health profile
Apply any live first-year campaign discounts, and decide honestly whether you need riders at all
Stress-test exclusions and disclosure requirements before you sign, not at claim time
This research is for education and comparison only, compiled from public Prudential, compareFIRST, MoneySense and related materials accessed 2026-07-14. Items marked “unspecified publicly” are not published and must be confirmed against the current policy contract or a fresh policy illustration. Promotions change — verify live campaign terms before relying on them. This page does not rank products or recommend a purchase — confirm with Prudentialor a licensed financial adviser before any decision.