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1.PRULink Assurance Account

Overview: PRULink Assurance Account is a unit-linked life insurance product that combines life protection with investment opportunities. It offers policyholders the chance to grow their wealth while providing financial security for their loved ones.

Features:

  • Flexible Premium Payments: Options for regular or single premium payments.
  • Investment Options: Access to various investment funds tailored to different risk profiles and financial goals.
  • Top-Up Option: Additional premium payments to enhance the investment value.
  • Rider Options: Customizable with additional riders such as critical illness, hospital income, and accidental death coverage.

Benefits:

  • Life Protection: Ensures financial security for beneficiaries in case of the policyholder’s death.
  • Investment Growth: Potential for investment growth through professionally managed funds.
  • Flexibility: Adaptable to changing financial needs and goals.

2. PRULink Investor Account

Overview: PRULink Investor Account is designed for individuals focused on investment growth with basic life protection. This product is ideal for those looking to build wealth over the long term.

Features:

  • Single Premium: One-time premium payment to start the investment.
  • Diverse Fund Choices: Access to a range of funds with different risk levels and returns.
  • Partial Withdrawals: Option to withdraw part of the investment without terminating the policy.
  • Fund Switching: Ability to switch between funds to align with changing market conditions.

Benefits:

  • Investment Focus: Primarily aimed at maximizing investment returns.
  • Basic Life Coverage: Provides a death benefit, ensuring some level of protection.
  • Liquidity: Flexibility to withdraw funds if needed.

3. PRULife Protection

Overview: PRULife Protection is a traditional life insurance product that provides comprehensive life coverage. This product is designed to offer financial security to policyholders' families in the event of their death.

Features:

  • Fixed Premiums: Regular premium payments with guaranteed life coverage.
  • Sum Assured: Guaranteed payout to beneficiaries upon the policyholder's death.
  • Rider Options: Additional riders such as critical illness and accidental death can be added for enhanced protection.

Benefits:

  • Guaranteed Payout: Ensures a fixed sum assured to beneficiaries.
  • Financial Security: Provides peace of mind knowing that loved ones are financially protected.
  • Customizable: Can be tailored with additional riders for comprehensive coverage.

4. PRUTerm Life

Overview: PRUTerm Life is a term life insurance product that offers high coverage at an affordable cost. It is suitable for individuals seeking significant life protection for a specific period.

Features:

  • Affordable Premiums: Cost-effective premiums for high coverage amounts.
  • Fixed Term: Coverage for a specified term, such as 10, 20, or 30 years.
  • Rider Options: Optional riders like critical illness and accidental death can be added.

Benefits:

  • High Coverage: Provides substantial life protection at a lower cost.
  • Flexibility: Ideal for temporary protection needs, such as mortgage or children's education.
  • Customizable: Additional riders available for enhanced protection.

Prudential Indonesia's life insurance products are designed to meet diverse needs, from investment-linked plans to traditional life protection. These products offer financial security and peace of mind, ensuring that policyholders and their families are well-protected against life's uncertainties.