PRU Apex Legacy Index
Prudential's bespoke IUL links legacy cover to S&P 500 growth potential with a 0% floor.
PRU Apex Legacy Index is Prudential Singapore's bespoke indexed universal life plan for legacy planning. It provides high coverage against death and terminal illness, while linking the Index Account's growth potential to the S&P 500 Index. The plan includes a guaranteed lifetime 0.0% floor rate for the Index Account, so negative index performance does not directly reduce that account's credited return. Clients can choose a single or 10-year premium term, customise allocation between Fixed and Index Accounts after the first policy year, and request a change of life assured, subject to terms.
PRU Apex Legacy Index is a good fit for clients who want a familiar Singapore insurer and a relatively focused S&P 500-linked IUL rather than a crowded menu of moving parts. Prudential's local advisory footprint is a practical advantage, especially for families who prefer in-person planning and ongoing servicing. The trade-off is that the public product page is less detailed than some competitors, so the product summary and adviser illustration matter a lot before comparing value, charges and long-term assumptions.
It combines Prudential's strong local presence with a focused S&P 500-linked IUL structure, downside floor and practical legacy controls for premium term, allocation and life assured changes.