Christopher Loo

Your Agent next door :)

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New Launch Pruman, Prulady, Prueasy

This month Prudential launch  3 plan.

Pru new plan.jpg

Pru lady 

Key Benefits

  • Preventive health screening once every 2 years2
  • Comprehensive coverage specific for women
    • Covers female-related medical conditions3 and procedures3
    • Covers reconstructive or skin grafting surgeries3
    • Provides coverage for post diagnosis support3
  • Premium waiver for 36 months upon female illnesses claim4
  • Optional add-on coverage to include
    • Pregnancy complications
    • Congenital illnesses
    • Hospital care


Key Benefits

  • Preventive health screening once every 2 years2
  • Comprehensive coverage specific for men
    • Covers male-related medical conditions3 and procedures3
    • Covers reconstructive surgery or skin grafting surgeries3
    • Provides coverage for physiotherapy3 in the event of an accident
  • Premium waiver for 36 months upon male illnesses claim4


  • Simplified underwriting; Answer only two health questions
  • Hassle-free application process; No medical examination required

By providing essential coverage for death and Terminal Illness, with an option to add Total and Permanent Disability coverage, Prueasy term helps to ease the financial strain that falls on your family, should something unfortunate happen to you.


Just less than a dollar of a day. and the plan come with complimentary check up for pruman and prulady. i would said it is a good initiative for the pruman plan as previously there are clients being asking me about this.



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My Prudential Pruselect investment tracking part 2

PS investment


Pruselect Dec14.jpg

How many months premium had pay : Dec 14 till May 17 = 28 months  

Total premium pay : = $400 x 28 months = $11,200

Current value : $11,817.06 ( Profit current : $617.06) 

Projected values : in the 36 months =  $10,947.00 

In view of my tracking of my first investment plan, it’s performance are already pass the

Benefit illustration as propose. i have being diligently doing the rebalance and follow the portfolio closely.


and as mention this is the 2nd portfolio that it is done in Jan17. 


pruselect jan17

pruselect jan17. current value

How many months premium had pay : till May 17 = 4 months  

Total premium pay : = $350 x 4 months = $1,400

Current value : $14,32.28 ( Profit current : $32.28) 


As it is suggested and believe that investment need time for growth and diversification, not timing into the market.



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Prudential Premier A shield Rider premium


I think recent years alot of us know and heard that there were increase in premium for the integrated shield plans especially private coverage irregardless which insurance companies just to keep up medical inflation and claims. Pru is looking it seriously how to weight/balance/chase between the claims/medical inflation and premium adjustment.



As reported in straitstimes, From 1st May 2017,Prudential will be increase in premium and a bit of different way looking at the IP premium computation.

although there are increase in prices, Pru also looking to reward client with 10%discount with no claims for the past 12 month. where i feel this is quite a good initiative.

Also for those ‘Existing customers of the rider who are undergoing long-term medical treatment for severe health conditions or have sought treatment for such conditions in the past three policy years do not have to adopt the new pricing. This means their future premiums will not be affected by their claims experience‘.

and relate to the claims , it is a similar concept with car insurance, the premium will be recalculated , however the premium will goes down as well if there are no claims for every yearly renewal.

From what  i know, most of the insurer companies will increase their premium too during that period.

Feel free to drop me a sms or a call if any questions. 🙂

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Strong Performance of Prudential 2016

Prudential has again proven their strong records in term of the dividend  as profit meet expectation for 2016.

even the market outlook may not look as promising, Prudential Singapore has being also  performing with a proven good records since 2013 .

you can also see that from my previous post , they have the most reserve buffer.

“Prudential continued to lead the pack last year with the highest reserve ratio of 44.6 per cent; it had a reserve buffer of S$6.91 billion, compared to total assets in the Par fund of S$15.5 billion”


and also by business time mention about When bigger is better in life insurance as it show a quick summary of the performance.


Looking at these reports it might suggest that Prudential might be one of the ‘brand’ company that are performing and gain alot of trust.








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My Investment Plan tracking with Prudential

Some people asked me do i also do investment with Prudential? The answer is yes.

From what i see from my past benefit illustration refer to the surrender page.  they are on tracked and the premium payed

Pruselect performance.png

 From the Surrender values of end of year 3. the values should be between 10,383 to 10,931. 

Looking at the values current 2 years and 2 months. it is on tracked. The Rebalance,fund managers and portfolio work well.

value of pruselect.png


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Prushield Premier Enhancement coming soon…

Now on my way from West to East. just want to share about this on the train.

In Coming December 16 , prushield A Premier will be enhancing .  🙂

Post coverage will be from 180 day to 365 days 

coverage per year will be from 651,000 to $1,200,000.00 !

updated brochure will be coming soon.


this is the current brochure and link if you wonder what are they.


prushield extra


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Woman illness check up – complimentary check up from Prudential

Last week i company one of my client for the complimentary woman check up.

This Complimentary check up was issued to the client every 2 yearly to the policy owner for the plan she has brought.









It is  quite a comprehensive check up and come with Mammogram and ultrasound as well. ( look at the yellow box)





We went to Asiamedic and it was located at Cathay house. Stepping in, it really give a very clean and new environment.

We went in about 9.30 and completed the check up at 11.15. it was quite a smooth and fast check up i would said.

before the booking , we request for a female doctor.

The centre reply to us that all are female doctors in the centre.











They also have cater for some snacks, coffee and tea available  too , as i think they understand many of patient come with an empty stomach. 🙂  the staff are quite friendly too.