How long is the premium payment period for Pru – Maximum Protection?

The premium payment term is equal to the policy term. However, customers are not required to pay premiums throughout the entire policy term. The mandatory premium payment period is the first 4 policy years. During this period, the policy may lapse if the basic premium is not paid fully and on time. From the 5th policy year onward, customers may pay premiums according to the expected payment schedule, or flexibly adjust premiums (increase, decrease, or temporarily suspend payments). However, reducing or suspending premium payments for a long period may affect insurance coverage, and the policy may lapse if the policy account value is insufficient to cover risk charges and/or policy management fees. Customers are encouraged to maintain regular premium payments and make additional contributions to ensure policy validity and achieve their long-term protection and financial accumulation goals.

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