PRU Vantage Legacy Index
PRU Vantage Legacy Index offers IUL cover with uncapped index-linked growth potential and a 0% floor.
PRU Vantage Legacy Index is Prudential Singapore's indexed universal life plan designed to preserve, grow and shape a legacy. It offers lifelong coverage against death and terminal illness, with index-linked growth potential for the Index Account based on the selected index and prevailing participation rates. The plan provides a guaranteed lifetime 0% floor rate for the Index Account, plus flexibility to choose single or multipay premium terms. Policyholders can customise allocation between Fixed and Index Accounts after the first policy year and request a change of life assured, subject to the policy terms.
PRU Vantage Legacy Index is a practical IUL choice for clients who want Prudential's advisory network and a product positioned squarely around family legacy. The pitch is straightforward: high coverage, index-linked upside, a floor against market losses and flexibility around premiums and account allocation. The trade-off is that the outcome depends heavily on participation rates and policy charges, and the public material uses broad language. Buyers should ask for conservative illustrations, especially if they intend to fund the policy over time rather than through a single premium.
It makes the ranking for its clear IUL positioning, guaranteed 0% index floor, premium flexibility and Prudential's broad servicing network in Singapore.