Prestige Life Gold

Life Insurance

Prestige Life Gold

A promise of protection, a legacy for life

With just a one-time investment, Prestige Life Gold offers you lifetime coverage for legacy planning. You'll also enjoy the financial security of up to three times the sum assured against death, terminal illness, and total and permanent disability1, all the way till you turn 81.


What's more, the plan's cash value keeps growing over your lifetime, helping you build your wealth.

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Key benefits


Get up to three times the protection

With just a one-time payment, you'll enjoy the reassurance of up to three times the sum assured2 , if the unexpected happens before you turn 81.


Get extra payout upon accidental death

If accidental death3  occurs before you turn 76, your loved ones will receive a payout of up to six times the sum assured2 .


Enjoy coverage that grows over time

With increasing cash value that boosts your coverage, this plan ensures that your family will always be well looked after.

How Prestige Life Gold works


Critical illness: To help pay for treatment expenses across three stages of illness - early, intermediate and critical - consider Critical Care Advantage


Ultimate coverage against accidents: To enjoy the reassurance of up to S$3.5 million sum assured for permanent disability or death due to an accident, consider Prestige PACare.


Loss of income: To protect yourself against losing your monthly income because of illness or injury, consider Pay Assure

1 Coverage for Presumptive Total and Permanent Disability (TPD) is for the whole of the policy term, while coverage for other forms of TPD is up till the policy anniversary on which the life assured is age 65. Presumptive TPD refers to a state of incapacity which is total and permanent and takes the form of:


(a) total and irrecoverable loss of sight in both eyes; or


(b) total and irrecoverable loss of use of two limbs at or above the wrist or ankle; or


(c) total and irrecoverable loss of sight in one eye, and total and irrecoverable loss of use of one limb at or above the wrist or ankle


Please refer to the product summary for details on other forms of TPD.


Assuming insured is less than 35 years of age at time of policy purchase. Lower payout will apply if the insured is older than 35 years at the time of policy purchase.


3 Accidental Death Benefit is equivalent to the Minimum Death Benefit. It is payable if accidental death occurs any time before the policy anniversary preceding the Life Assured’s 76th birthday.


* The figure comprises gauranteed and non-guaranteed benefits. The non-guaranteed benefit is illustrated based on the assumption that the illustrated rate of return of the participating fund is at 4.75% p.a. At 3.25% p.a. illustrated investment rate of return, the illustrated Death Benefit will be $1,873,868, which is more than 3 times the initial single premium payment. The actual benefits payable will vary accordingly to the future performance of the participating fund.

All ages specified refer to age next birthday.


The figures used are for illustrative purposes only. Please refer to the policy illustration and product summary for the exact values.


This advertisement has not been reviewed by the Monetary Authority of Singapore.


This brochure is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy contract.


As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.


This plan is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites ( or


Information correct as at 30 November 2018.