Pruactive whole life or pru flexi multiplier what’s the difference?? Both are whole life insurance and have cash value what else??

PAL provides more avenue for you to make claims. Look at the benefits.

PLMF is the older product, more ex but more cash value as compared to PAL.

The cash value is not meant for accumulation nor investment. In my experience servicing my clients during this difficult covid time period, those protection plans with cash value has proven more beneficial than term as the policy owner can activate the APL to service their policy when they have problem paying the premium.

When buying protection plan, with cash value or not, compare the benefit & limitation.

I hope you will find yourself a good financial consultant that is willing to go extra mile for you to help you properly plan. Some people only look at the premium comparison which is not a wise way to compare.

Hi there,

Pruactive Life (PAL) has more critical illness coverage compared to PRULife Multiplier Flex (PLMF). The premiums for PAL are more affordable, and the premium and coverage term are more flexible, which can be customised to your desired parameters.

Both are in a nutshell, whole life CI policies with cash value. The main difference is the benefits in coverage for the policies. PAL covering 56 CIs vs PLMF's 36.

Hope i was able to address your queries! If you need assistance, you can contact me for a consult. Have a great weekend ahead!