Summary of Prudential Endowment Plans

Prudential was founded in 1848 in the United Kingdom. By 1914, one in three British households had an insurance policy with Prudential. Fast forward till today, Prudential has grown rapidly across the globe. Prudential has become a trusted name in the Singapore insurance industry.  Prudential Singapore is one of the market leaders in their savings and whole life plans with more than $30 billion in funds under management as of 2016. 

What is an Endowment Plan?

An endowment plan is a type of life insurance policy that combines savings and protection. It pays out either on death or when the policy matures. Due to its low life coverage component, one should not solely depend on an endowment plan for protection purposes. 

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Here are the details of Prudential Endowment Plans:

Comparison of Prudential Endowment Plans:

PolicyPal’s Review of PRUActive Saver II and PRUFlexiCash:

PRUActive Saver II

PRUActive Saver II provides high flexibility to customise your premium term from anywhere between 5 to 30 years or single premium payment. The policy term is also highly flexible between 10 to 30 years in order to meet your specific financial goals. Furthermore, PRUActive Saver II guarantees your capital upon maturity, on top of the non-guaranteed interest returns. 

You can also use your SRS funds to purchase this savings insurance plan, this makes it the perfect plan to purchase to save for retirement. 

However, PRUActive Saver II does have its limitations. The emergency coverage for this policy is limited to only Death, which is lesser as compared to the available endowment policies in the market.

Good for: Individuals between the age of 30-40 that would like to save for their retirement.

If you are looking for a savings plan for your retirement you can also see the full comparison of Best Retirement Plans.


Pru FlexiCash gives you the flexibility to enjoy yearly cash benefits, which can be deferred to enjoy bigger payouts. With this plan, you will be able to buy a new policy without medical examination, providing you with hassle-free application. This policy also covers Death, Terminal Illness and TPD. Furthermore, this plan has a relatively wider range of optional riders to add on as compared to other endowment plans in the market. 

However, one downside for Pru FlexiCash is its limited policy terms to choose from. It only offers a policy term of 15, 20 or 25 years, which might not be suitable for some individuals’ financial goals.

Good for: Individuals looking for flexibility in cash benefits.

Want to find out more about Endowment plans from other insurers? Here is the full comparison of the Best Endowment plans.

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You will be able to enjoy a free financial portfolio review which will help you better understand how to create a suitable financial plan for you and your family. We will analyse life insurance products from over 20 insurers and present you solutions that are tailor-made to address your concerns. 

Our advisor will be more than happy to help you understand any of these insurance policies: 

  • Health Insurance
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If you would like to know more about a specific life insurance product you can let us know your preference. This is so that we can be better prepared during the appointment to present you with a comparison table if needed.

How will I be able to schedule an appointment?

You can WhatsApp us at 8750 0688 and let us know your preferred date and time for the appointment. The appointment will be conducted using Zoom a free video-conferencing app for video consultation on your computer or your phone. 

Alternatively, you can include your details in the form above and we will contact you to help you set up an appointment.



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