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By K Raveendran India’s electoral democracy has reached a critical juncture where judicial intervention can no longer remain confined to procedural scrutiny and expressions of concern. The mounting controversy surrounding Chief Election Commissioner Gyanesh Kumar, the unprecedented scale of voter deletions under the Special Intensive Revision (SIR), and the government’s increasingly coercive response to public […]

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The article Trump-Newsom Clash Assumes Special Significance Before Nov 3 Polls appeared first on Latest India news, analysis and reports on Newspack by India Press Agency).

• Protection for ageing parents up to age 100 against conditions such as dementia, with maximum entry age at 80* and no medical underwriting required
• Lifetime protection for the child, covering death, terminal illness, total and permanent disability, with optional crisis care add-ons

SINGAPORE – Media OutReach Newswire – 8 October 2026 – Prudential Singapore (“Prudential”) has launched PRUActive Family Care (PAFC), a whole-of-life protection plan designed for Singaporeans caring for multiple generations. The plan enables caregivers to provide protection for both their child and ageing parents under a single policy.

PAFC provides lifetime protection for the caregiver’s child, as the life assured, covering death, terminal illness, total and permanent disability (TPD). It also offers critical illness add-ons that cover 182 conditions including juvenile conditions and mental illness.

The plan also includes Parent Guard Benefit that provides protection for the caregiver’s ageing parents up to age 100, without the need for medical underwriting. It offers financial and income support when a parent is diagnosed with specified age-related conditions, including Alzheimer’s disease, Dementia, Parkinson’s disease and Progressive Supranuclear Palsy.

Often, older adults may find it challenging to get insurance coverage due to health-related underwriting requirements. By including protection for parents under the caregiver’s policy, PAFC helps families address the protection gap.

The launch of PAFC comes as Singapore has become a super-aged society as the proportion of citizens aged 65 and above was at 21.4 per cent in 2026, an increase from 13.7 per cent in 2016. By 2035, more than one in four citizens is expected to be aged 65 and above¹. As such, there will be an increasing number of people taking on caregiving responsibilities.

Mr Manu Tandon, Chief Health & Protection Officer of Prudential Singapore, said: “As Singapore’s population ages and families become smaller, many caregivers in the “sandwiched generation” are caring for their ageing parents while raising their young children. These caregivers can face significant financial and emotional stress as they need to fund their children’s education, meet their parents’ healthcare needs – particularly when ongoing care is required – and save for their own retirement.”

Prudential’s recent research² also highlights the financial challenges many caregivers face. Nearly three in four Singaporeans (72 per cent) cited financial support as the most important form of assistance for caregivers, yet only 13 per cent believed their household would have enough savings if a caregiver had to stop working to provide care.

Added Mr Tandon: “PRUActive Family Care helps families prepare for rising caregiving demands with protection for both parents and child under one plan, while safeguarding the caregiver’s financial future. Importantly, the Parent Guard Benefit extends protection to the caregiver’s ageing parents without underwriting required, who may otherwise find it difficult to obtain coverage.”

Supporting the Needs of the Multigenerational Families by Protecting Ageing Parents

Reflecting the diverse needs of caregivers, PRUActive Family Care offers flexibility for individuals with or without children. It allows the caregiver (the policyowner) or their child to be the life assured, with the option to enhance the life assured’s coverage by up to five times through the Multiplier Benefit. In addition, the Parent Guard Benefit provides coverage for both parents of the caregiver.

The Parent Guard Benefit offers the following financial and income support³:

• Diagnosis Support: 20 per cent sum assured (SA) upon parent’s diagnosis of covered conditions (Alzheimer’s disease, Dementia, Parkinson’s disease and Progressive Supranuclear Palsy)
• Income Support: Up to 5 years upon parent undergoing the first treatment due to the diagnosis of the covered condition
• Accidental Fracture Hospital Income: Upon parent’s hospitalisation due to an Accidental Bone Fracture, a daily income of $150 will be paid for up to 10 days. This is an additional benefit that does not reduce the Parent Guard Sum Assured (SA).
• Family Support: Up to 8 per cent of SA upon parent’s death

Up to two parents can be included in the plan, with entry up to age 80* and coverage to age 100. Benefits are payable for eligible diagnoses in any of 13 recognised countries**.

Supporting Recovery and Rehabilitation

Beyond financial protection, PAFC is a holistic plan that provides value-added service to support recovery long after treatment or hospitalisation. The caregiver (policyholder), his/her child and parents, can tap on the recovery and rehabilitation services including physiotherapy, chiropractic care, osteopathy and traditional Chinese medicine, and home care and medical services.

For more information on PRUActive Family Care, including full product terms, eligibility criteria and exclusions, please visit https://www.prudential.com.sg/pruactive-family-care

Additional notes:

• With ageing, the risk of developing health conditions increases. In Singapore, an estimated 72,000 people were living with dementia in 2023, and the Ministry of Health projects this figure could rise to 135,000 by 2030 (Source: Ministry of Health Parliamentary QA, 4 November 2025)
• This protection is especially relevant as about 90 to 100 new cases of childhood cancer are detected each year in Singapore among children under the age of 15 (Source: Singhealth website, 5 October 2026)
• 1 in 3 adolescents aged 10–18 experience symptoms of anxiety, depression and loneliness (Source: Youth Epidemiology and Resilience (YEAR) Study, National University of Singapore, 2024)

* Based on age next birthday (ANB)

** Diagnosis must be provided by a registered medical practitioner in one of the following: Singapore, Australia, Brunei Darussalam, Canada, China (limited to class 3 hospitals in designated cities), Hong Kong, Macau, Malaysia, New Zealand, Taiwan, United Arab Emirates (Abu Dhabi and Dubai), United Kingdom, United States

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The issuer is solely responsible for the content of this announcement.

About Prudential Assurance Company Singapore (Pte) Ltd (Prudential Singapore)

Prudential Assurance Company Singapore (Pte) Ltd is one of the top life and health insurance companies in Singapore, serving the financial and protection needs of the country’s citizens for 95 years. As at 31 December 2025, it has S$66.3 billion funds under management. The company has an AA Financial Strength Rating from leading credit rating agency Standard & Poor’s and delivers a suite of well-rounded product offerings in Protection, Savings and Investment through multiple distribution channels including a network of 5,400 financial representatives.

By K Raveendran India’s escalating confrontation over the Election Commission is no longer merely a dispute about electoral rolls or the conduct of Chief Election Commissioner Gyanesh Kumar. It has become an institutional crisis touching the credibility of elections themselves. As opposition parties, activists and youth groups demand Kumar’s resignation over allegations of voter-list manipulation, […]

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By K Raveendran India’s electoral system has entered a territory where the argument is no longer merely about errors in voters’ lists. The deeper question is whether citizens can continue to repose confidence in the constitutional institution entrusted with deciding who gets on those lists, how names are removed and whether the rules governing that […]

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By K Raveendran The controversy surrounding Chief Election Commissioner Gyanesh Kumar has moved beyond another confrontation between the government and the Opposition. What is now at stake is whether the Election Commission of India can continue to command the presumption of institutional neutrality on which the credibility of elections ultimately rests. The latest developments have […]

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By Dr. Gyan Pathak The proposed INDIA bloc meet — scheduled on September 30, 2026 in New Delhi against the Chief Election Commissioner’s (CEC’s) ‘illegal’ and ‘unauthorised’ actions as recorded by the two fellow Election Commissioners (ECs) — aims at not only taking a unified stand on demand of removal of the CEC and initiating […]

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The US 10-year Treasury yield eased to about 5.16% on Friday after touching 5.2297%, its highest level since 2007. The 30-year yield climbed as high as 5.5319%, a level last recorded in 2004, before retreating as falling oil prices offered bond markets some relief.

Japan experienced an equally striking move. The benchmark 10-year Japanese government bond yield reached 3.121% on Friday, its highest since 1996, extending a rise that has challenged assumptions about the pace at which the country can adjust to higher borrowing costs after decades of exceptionally loose monetary policy.

The surge came despite the Bank of Japan raising its policy rate this month. The central bank lifted the overnight call-rate target to around 1.25%, with the new setting taking effect from September 24, as policymakers continued withdrawing monetary accommodation amid persistent inflation pressures.

Bond prices move inversely to yields, meaning the sharp rise reflected heavy selling by investors. The moves have increased financing costs for governments and businesses and strengthened the transmission of tighter monetary policy into mortgages, corporate debt and other forms of credit.

Pressure has spread across major developed markets rather than remaining concentrated in the United States. Five of the Group of 10’s leading central banks raised rates during September, while others signalled possible further tightening or warned that inflation risks remained elevated. That broad shift has forced investors to reassess expectations that borrowing costs would decline quickly.

Energy prices have been an important driver. Oil’s advance during the Middle East conflict revived fears that higher fuel and transport costs would feed into broader inflation, reducing the appeal of fixed-income securities and increasing expectations that central banks may have to keep policy restrictive for longer.

Some of that pressure eased on Friday as oil prices fell roughly 3% amid hopes of progress towards a US-Iran truce. The retreat helped stabilise Treasuries and encouraged modest declines in some yields, but it did not erase the week’s dramatic repricing.

The scale of the turbulence was reflected in the ICE BofA MOVE Index, a widely followed gauge of US bond-market volatility, which jumped roughly 30% over the week, its biggest weekly increase since the tariff-related market turmoil of April 2025.

Federal Reserve policy expectations have also shifted. Markets have increasingly priced the possibility of further rate increases as policymakers confront inflation risks linked to energy costs and an economy that has remained resilient enough to complicate hopes for easier monetary conditions.

The Federal Reserve raised its target range by 25 basis points this month to 3.75%-4.00%. The combination of tighter policy expectations and persistent inflation concerns has pushed yields higher across the Treasury curve, increasing the government’s cost of refinancing debt and lifting benchmark rates used throughout global markets.

Japan presents a different but connected challenge. Rising domestic yields are changing the economics for investors accustomed to negligible returns at home. Higher Japanese yields can make domestic bonds more attractive relative to overseas assets, potentially affecting international capital flows at a time when US and European governments face substantial financing requirements.

The yen strengthened against the dollar on Friday as yields eased from their peaks, with the US currency falling to around 157.22 yen. Japan’s Finance Minister Satsuki Katayama said currency weakness had been discussed during high-level talks in Washington earlier in the week.

Equity markets nevertheless remained comparatively resilient. US shares advanced on Friday, supported by renewed enthusiasm around artificial intelligence companies, while the broader global equity index also rose. That divergence underscored how investors were separating strong corporate themes from the pressure building in sovereign debt markets.

European bonds have faced similar strains as investors weigh inflation alongside fiscal risks. Earlier in the week, benchmark 10-year yields in Germany, France and Britain remained elevated, while France’s borrowing premium over Germany widened amid concern about its budget outlook.

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By Ashok Nilakantan Ayers NEW YORK: External Affairs Minister S Jaishankar arrived at the 81st UN General Assembly with an unusually broad diplomatic canvas before him. In meetings with European, Ukrainian, Arab, Asian and other counterparts, India was simultaneously talking to countries that sit on opposite sides of some of the world’s sharpest geopolitical divides. […]

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