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The plan also includes accidental disability support, surviving spouse joint ownership, and the ability to grow payouts, with SRS payment for single premium purchases.",{"@graph":14,"@context":72},[15,34,55],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/healthcare/","Healthcare",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/pruactive-retirement-ii-a-highly-customisable-retirement-plan/635271/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/pruactive-retirement-ii-a-highly-customisable-retirement-plan/635271.png","ImageObject",300,407,{"name":42,"@type":43},"Jiven","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-11-09","2026-10-22",true,{"@type":52,"interactionType":53,"userInteractionCount":30},"InteractionCounter",{"@type":54},"ViewAction",{"@type":56,"mainEntity":57},"FAQPage",[58,64,68],{"name":59,"@type":60,"acceptedAnswer":61},"What income benefits does PRUActive Retirement II provide?","Question",{"text":62,"@type":63},"It provides guaranteed monthly income that never decreases with Step-up Income, plus additional non-guaranteed and bonus income components depending on the participating fund’s performance and accumulated bonuses.","Answer",{"name":65,"@type":60,"acceptedAnswer":66},"When can you start and how long can you receive payouts?",{"text":67,"@type":63},"You can start payouts as early as age 50 and choose a payout period from 10, 15, 20, 25, or 30 years, with flexibility to adjust based on changing needs.",{"name":69,"@type":60,"acceptedAnswer":70},"What happens in case of accidental disability or death?",{"text":71,"@type":63},"If disability is caused by an accident during the term, you receive additional monthly income aid and future premiums are waived. In the event of death, the appointed spouse who is also a joint owner succeeds the policy.","https://schema.org",{"og:url":32,"og:type":74,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":76,"canonical":32},"index,follow",{"doc_id":78,"site_id":7},635271,1792696258,{"code":4,"msg":81,"data":82},"success",[83,87,91,95,100,105,109,114,119,122,126],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":84,"show_sort_weight":85,"slug":86},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":88,"show_sort_weight":89,"slug":90},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":92,"show_sort_weight":93,"slug":94},"Exam",70,"exam",{"id":96,"doc_module":4,"doc_module_name":25,"category_name":97,"show_sort_weight":98,"slug":99},5,"Comic",60,"comic",{"id":101,"doc_module":4,"doc_module_name":25,"category_name":102,"show_sort_weight":103,"slug":104},6,"Technology",50,"technology",{"id":106,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":107,"slug":108},7,40,"healthcare",{"id":110,"doc_module":4,"doc_module_name":25,"category_name":111,"show_sort_weight":112,"slug":113},8,"Research & Report",30,"research-report",{"id":115,"doc_module":4,"doc_module_name":25,"category_name":116,"show_sort_weight":117,"slug":118},9,"Religion & Spirituality",20,"religion-spirituality",{"id":117,"doc_module":4,"doc_module_name":25,"category_name":120,"show_sort_weight":117,"slug":121},"World Cup","world-cup",{"id":123,"doc_module":4,"doc_module_name":25,"category_name":124,"show_sort_weight":123,"slug":125},10,"Lifestyle","lifestyle",{"id":127,"doc_module":4,"doc_module_name":25,"category_name":128,"show_sort_weight":96,"slug":129},19,"General","general",{"code":4,"msg":81,"data":131},{"doc_id":78,"user_id":132,"nickname":42,"user_avatar":133,"doc_module":4,"category_id":106,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":30,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":96,"language":139,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":12,"update_tm":143,"read_time":144,"preview_page_count":4},1099513958607,"https://ap-avatar.wpscdn.com/avatar/100002390cf8733938c?x-image-process=image/resize,m_fixed,w_180,h_180&k=1778829742770036399","PRUActive Retirement II  \nA highly customisable retirement plan to suit your needs  \nPrepare for the retirement you want with PRUActive Retirement II  \nRetirement is a time we all look forward to after a lifetime of hard work. With the rising cost of living and people living longer, financial security is all the more vital. You decide the standard of living you want to do more of what you love, and maybe even retire sooner than you planned.  \nPRUActive Retirement II can help you do just that. It’s a unique plan that's highly customisable, designed to give you flexibility, financial security and therefore freedom to retire the way you want. It's a first-of-its-kind retirement plan designed to weather market volatility, providing you with a steady cumulative retirement income.  \nKey Benefits  \nMonthly income that never decreases with Step-up Income  \nOnce payout begins, you will receive a guaranteed monthly income, plus anon-guranteeed portion that can potentially increase in value year-on-year.*  \nDecide when your payouts start and end  \nStart your payouts as early as age 50 and receive them for up to 30 years. You also have the flexibility to adjust your payout period based on your changing needs.\\#  \nChoose a premium term that works for you  \nPremium terms are flexible to suit your unique financial circumstances.  \nPay a lump sum in the first year or spread it over a longer period.  \nAccidental Disability  \nIn case of disability^ caused by an accident, you will receive additional monthly income aid, and all future premiums will be waived.  \nSurviving Spouse and Joint Ownership Benefit  \nIn the event of death, your appointed spouse, who is also a joint owner, will succeed your policy.  \nGrow your retirement funds with us  \nDon't need your retirement monthly income yet? Grow your payouts with us.  \nAllow Supplementary Retirement Scheme (SRS) payment  \nFor plans purchased on single premium, you can choose to pay using your SRS funds.  \n* Subject to the performance of the participating fund. The Step-up Income is guaranteed to be the same or more than the previous year.  \n\\# Choice of Payout Period from 10, 15, 20, 25 or 30 years.  \n^ PRUActive Retirement II provides coverage against Total and Permanent Disability by accident during the term of the policy, or before the policy anniversary prior to the life assured attaining age 70, whichever is earlier. Terms and conditions apply. Please refer [to www.prudential.com.sg/pruactiveretirement2 for more details](to www.prudential.com.sg/pruactiveretirement2 for more details).  \nHow PRUActive Retirement II works  \nPRUActive Retirement II gives Jack the financial assurance he needs once he retires, and the flexibility to get there. The monthly income Jack receives will help him supplement his CPF Life payouts and also keep up with rising costs. This allows Jack to continue enjoying the standard of living he desires.  \nTotal paid  \n$135,000  \nAGE  \n32  \nJack, 32, with 2 kids  \nJACK'S PREMIUM END AT AGE 50.  \nPOLICY STARTS Pays $625 per month for 18 years, until his daughters enter university.  \nJACK RETIRES  \nAGE  \n50  \nAGE  \n63  \nPremium payment period Accumulation period  \nHow PRUActive Retirement II works When Jack retires, he has the assurance that his income will not reduce, so he can manage his retirement better.  \nNon-Guaranteed Monthly Income1  \nStep-up Income2  Bonus Income3   \nGuaranteed Monthly Income4  \n93  \n325  \n1,000  \nYear 1  \n93  \n93  \n325  \n1,000  \nYear 2  \n93  \n187  \n325  \n1,000  \nYear 3  \nYear 4 – 12  \n93  \n1,121  \n325  \n1,000  \nYear 13  \n93  \n1,214  \n325  \n1,000  \nYear 14  \n93  \n1,308  \n325  \n1,000  \nYear 15  \nFigures shown are rounded to the nearest dollar for illustrative purposes.  \nAGE63 Payout period   \n78  \n$1,000 guaranteed monthly income for 15 years. With Step-up Income, Jack will potentially receive increasing income year-on-year.  \nTotal Monthly Income Payout S$372,9615  \nMaturity Benefit Payout6  \nS$38,9265  \nTotal Potential Payout  \n$411,887 5  \nJack’s a","cbCaiqEJvYX5b72B","https://ap.wps.com/l/cbCaiqEJvYX5b72B","pdf",704640,"English","# Key Benefits\n## Income options and payout flexibility\n## Accidental Disability and Surviving Spouse benefit\n## How it works (illustration)\n# Important Notes","[{\"question\":\"What income benefits does PRUActive Retirement II provide?\",\"answer\":\"It provides guaranteed monthly income that never decreases with Step-up Income, plus additional non-guaranteed and bonus income components depending on the participating fund’s performance and accumulated bonuses.\"},{\"question\":\"When can you start and how long can you receive payouts?\",\"answer\":\"You can start payouts as early as age 50 and choose a payout period from 10, 15, 20, 25, or 30 years, with flexibility to adjust based on changing needs.\"},{\"question\":\"What happens in case of accidental disability or death?\",\"answer\":\"If disability is caused by an accident during the term, you receive additional monthly income aid and future premiums are waived. In the event of death, the appointed spouse who is also a joint owner succeeds the policy.\"}]","PRUActive Retirement II - A highly customisable retirement plan | PDF",1792675642,13]