---
title: "Prudential targets wealthy clients with $500,000 legacy cover"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/293390534.md"
description: "Prudential Singapore launched PRUApex Legacy Index II, a new indexed universal life plan targeting affluent clients with a $500,000 minimum sum assured. The product offers flexible wealth transfer and legacy planning, allowing premium allocation across indices like the S&P 500 and MSCI Emerging Markets. It features variable death benefits, crediting rate bonuses for multi-pay terms, and options for lump sum or installment payouts."
datetime: "2026-07-21T21:58:51.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/293390534.md)
  - [en](https://longbridge.com/en/news/293390534.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/293390534.md)
generator: "portal-rs"
---

# Prudential targets wealthy clients with $500,000 legacy cover

**Policyholders can divide premiums across the S&P 500 and more.**

Prudential Singapore has launched a new indexed universal life plan, PRUApex Legacy Index II, targeted at affluent and high-net-worth customers seeking flexible wealth transfer and legacy planning solutions.

Customers can enrol in the plan with a minimum sum assured of $500,000. Premium terms range from single-premium payments up to multi-pay options of 20 years.

The product allows policyholders to allocate premiums across multiple indices, including standard market benchmarks such as the S&P 500, MSCI Emerging Markets, and EURO STOXX 50. 

It also offers access to a gold-equity index and several volatility-controlled options, such as the S&P 500 FC, UBS MASTR, Barclays Shiller Allocator, and MSCI World Golden Compass.

Under the new plan, indices with uncapped returns receive an additional crediting rate of 0.25% per annum. 

Policies on a multipay premium payment term qualify for a one-off bonus crediting rate of up to 6.50% on total account value after the premium term ends, provided the policy is fully paid.For the policy's Fixed Account, Prudential offers a first-year crediting rate of 

4.20% per annum, alongside a guaranteed minimum crediting rate of 2.00% per annum.

The plan introduces variable death benefit structures, allowing beneficiaries to receive payouts either as a single lump sum or through annual instalments over a period of two to ten years.

### Related Stocks

- [PRU.UK](https://longbridge.com/en/quote/PRU.UK.md)
- [PUK.US](https://longbridge.com/en/quote/PUK.US.md)
- [.SPX.US](https://longbridge.com/en/quote/.SPX.US.md)
- [K6S.SG](https://longbridge.com/en/quote/K6S.SG.md)
- [02378.HK](https://longbridge.com/en/quote/02378.HK.md)

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---
> **Disclaimer: This article is for reference only and does not constitute any investment advice.**