Death Benefit  - In case of death of the life insured, your beneficiaries will receive either the sum assured which is at least 500% of the annual regular premium plus 125% of all top-ups less 125% of each partial withdrawals on top-up units, or 105% of fund value, whichever is higher. Child’s lien applies.

Accelerated Total and Permanent Disability (ATPD) - A cash benefit taken from the base plan sum assured and paid in advance in case the life insured becomes totally and permanently disabled due to sickness or injury.

Accidental Death and Disablement (ADD) - An additional cash benefit in case the life insured meets an accident that resulted to death or disability.

Maturity Benefit – You will receive 105% of the fund value if the insured outlives the policy at age 85.

No other riders available for this product.

• It is important to assess your financial appetite and capability prior to getting a plan in order to ensure that you are able to maintain your policy and maximize the benefits of your life insurance plan.
• As an investment-linked insurance plan, the policy sustainability and fund values projected in PRUMillion Flex quotations are merely predictions or estimations. They are not guaranteed results of the future.
• Top-ups may be requested in the future to keep the fund value sufficient and your policy in force.
• The fund value should be sufficient to pay for monthly recurring charges. Once the fund value is depleted or is insufficient to pay for monthly recurring charges, the policy will automatically terminate
• The terms & conditions (T&C) for PRUMillion Flex may be different from other products, hence, please make sure to read the applicable T&C, which is also embedded in the relevant policy contract or policy booklet for details.

Past performance is not necessarily a guide to future performance. The levels and bases of, and relief from, taxation can change. The value of any tax relief referred to depends upon the individual circumstances of the investor. For investments that can fluctuate in value, values may fall as well as rise and and investor may not get back the amount invested.

• Plan Exclusions – this plan and the benefits attached to it has other conditions and exclusions that may affect the payment of the insurance proceeds.
• Free-look Period - You have 15 days to decide if this product is right for you. This is the first fifteen (15) days from the date the policy contract was received. During this time, the Company encourages you to read your policy and understand its benefits and risks. Should you decide that this product is not for you, we will return any applied charges plus the fund value, which may or may not be lower than the regular premiums you paid.

• Premium - a specified amount of money that you pay in exchange for the coverage provided by your insurance plan
• Fund value - the accumulated amount of cash that you can potentially earn over a period of time from the investment component of your investment-linked life insurance plan
• Sum assured - the guaranteed amount stated on the policy contract that the policyowner or beneficiary will receive upon the occurrence of an event, e.g. death.
• Top up – is an additional one-time payment on top of the regular premium.
• Child’s Lien - The Sum Assured portion of the death benefit will be reduced based on the following schedule if the Life Insured’s age at death is between age 0 to 4.
  
  

  Child's age at the time of death Percentage of sum assured 0 to less than 1 10% 1 to less than 2 20% 2 to less than 3 40% 3 to less than 4 60% 4 to less than 5 80%