As of 19th July 2021, we have updated our Privacy Notice which is available at our corporate website -

IMPORTANT NOTICE: From 1 June 2021, our Customer Service Centre at Marina One no longer accepts cash payments and is available for walk-in by appointment only. You can also chat with us over a video call by booking a slot. To make payments, please visit

New LIA Guidelines :Our Singapore-dollar (SGD) denominated Participating policies from 1 July 2021 will show updated illustrated investment rates of return, in accordance with the changes in LIA Guidelines on Policy Illustrations 2021. This change does not affect existing customers with policies submitted before 1 July 2021. For more information, please click here.

IMPORTANT NOTICE: Our Customer Service Centre at Marina One, is currently available by appointment only. Starting 1 Jun 2021, we will no longer accept cash payments. Enrol for payments via DBS/POSB GIRO or Credit Card at For more payment options, click click here.

IMPORTANT NOTICE : For more information on COVID-19 related reliefs please click here.

PRUACCESS: In accordance with PDPC's Advisory Guidelines on the PDPA for NRIC and other National Identification numbers, we will no longer be using NRIC/passport numbers/FIN for login purposes from 1 Aug 2019. If you have yet to create a user ID, please click here.

PRUTerm Ascend

We understand you want protection that increases over time

Life has its uncertainties. As you take up new challenges in different life stages, you want the assurance of having adequate coverage for yourself and your loved ones should the unforeseen happen. PRUTerm Ascend is a term plan that provides coverage against Death1 and Terminal Illness1,2 and this coverage grows over time as your financial responsibilities change.


increasing sum assured 

5% annually from 2nd to 11th policy year


Premium4 increase 2% annually with each incremental sum assured


5 different policy term to choose from

Product Details

Product Type


Payment Term

Regular Premium:

  • 10 to 57 years
Policy Term

10 years, or up to 55, 60, 70 and 75

Total & Permanent Disability & Terminal Illness:

  • Up to 65 Age Next Birthday
Issuance Age

10 Year Term

  • Death:
    • 18 to 75 Age Next Birthday
  • Total & Permanent Disability & Terminal Illness:
    • 18 to 60 Age Next Birthday

Term to Age 55

  • Death, Total & Permanent Disability & Terminal Illness:
    • 18 to 45 Age Next Birthday

Term to Age 60

  • Death, Total & Permanent Disability & Terminal Illness:
    • 18 to 50 Age Next Birthday

Term to Age 70

  • Death, Total & Permanent Disability & Terminal Illness:
    • 18 to 60 Age Next Birthday

Term to Age 75

  • Death:
    • 18 to 65 Age Next Birthday
  • Total & Permanent Disability & Terminal Illness:
    • 18 to 60 Age Next Birthday

Minimum Sum Assured:

  • $30,000

Maximum Sum Assured:

  • $83,333,000

Minimum Annual Premium:

  • $300
Maturity Benefit

Not Applicable

Death Benefit

The Sum assured increases by 5% annually from the 2nd to 11th policy year, we pay the applicable incremental sum assured in a lump sum, provided that Terminal Illness (PRUTerm Ascend) Benefit has not been claimed.

Total & Permanent Disability Benefit

Not Applicable

Cash Benefit

Not Applicable

Critical Illness Benefit

Rider Available

Accidental Death Benefit

Not Applicable

Enhance Your Coverage

Disability (PRUTerm Ascend), Crisis Cover Ascend, Early Stage Crisis Cover

How PRUTerm Ascend works:

PRUterm ascend infographics


  1. The life assured can only claim for either Death or Terminal Illness but not both.
  2. The Terminal Illness (PRUTerm Ascend) and optional Disability (PRUTerm Ascend) benefits provide coverage during the term of the policy, and before the policy anniversary prior to the life assured attaining age 65.
  3. The sum assured for the Death Benefit and Terminal Illness (PRUTerm Ascend) Benefit will increase by 5% annually (on simple interest basis) from the start of the 2nd Policy Year to the 11th Policy Year or to the end of the policy term, whichever is shorter.
  4. The premiums of the PRUTerm Ascend policy will also increase by 2% annually (on simple interest basis) with each incremental sum assured.
  5. Please refer to the policy documents for the full terms and conditions applicable to this feature.
  6. Disability (PRUTerm Ascend) and Crisis Cover Ascend can only be added at the start of the policy.
  7. Premiums charged for the new plan is based on age of the life assured at the time of conversion.



You are recommended to read the product summary and seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.

As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.

This website is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to these insurance products in the policy documents that can be obtained from your Prudential Financial Consultant.

The information contained on this website is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore. In case of discrepancy between the English and Mandarin versions of the e-brochure, the English version shall prevail.

These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policies is 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 GIA/LIA or SDIC web-sites ( or or

Information is correct as at 22 Aug 2019.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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