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Product features of Pru Max Protect | VIB
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Benefits of PRU–MAX PROTECT
Maturity benefit
100% of policy account value, after deducting any outstanding loans (if any), provided the policy is still in force and the life insured is alive on the maturity date
Death or Total and Permanent Disability (TPD) Benefit
Depending on the selected insurance plan:
-Basic Protection Plan: Max (sum assured, target account value); and top up account value (if any)
- Advance Protection Plan: The total of sum assured and target account value; and top up account value (if any)
-Basic Protection Plan: Max (sum assured, target account value); and top up account value (if any)
- Advance Protection Plan: The total of sum assured and target account value; and top up account value (if any)
Investment benefit
Investment and Bonus Benefits of PRU–MAX PROTECT: The contract account value has the opportunity for steady growth with interest credited monthly, based on the investment return rate announced by Prudential. In all cases, this rate will not be lower than the minimum guaranteed investment interest rate as specified in the product’s Terms and Conditions
Other Benefits
Loyalty Bonus Benefit:
- 4% of the average target account value or top up account value (if any) over the 60 consecutive months preceding the 20th policy anniversary, and every 5 years thereafter
Customer Appreciation Bonus:
- 150% of the first year’s annualized basic premium on the 10th policy anniversary
- 75% of the first year’s annualized basic premium on the 15th policy anniversary and every 5 years thereafter
Guaranteed Insurability Benefit:
No medical underwriting required at key life milestones for increasing the Sum Assured
- 4% of the average target account value or top up account value (if any) over the 60 consecutive months preceding the 20th policy anniversary, and every 5 years thereafter
Customer Appreciation Bonus:
- 150% of the first year’s annualized basic premium on the 10th policy anniversary
- 75% of the first year’s annualized basic premium on the 15th policy anniversary and every 5 years thereafter
Guaranteed Insurability Benefit:
No medical underwriting required at key life milestones for increasing the Sum Assured
Eligibility
Premium term
Equal to the policy term. Flexible premium payments starting from the 5th policy year
Policy term
100 – Issued age
Entry age
30 days old – 70 years old
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