To answer your question, it won't be cheaper or more expensive if you pay yearly or monthly. it's not just prudential, it's all of the insurance companies.

To confuse you, there is a difference choosing monthly vs yearly vs quarterly vs semi-annually. Something called dollar cost averaging.

Hi, you probably aren’t familiar. The other guy asked about Investment-Linked Plan. So my answer holds.

My own insurance plan is a traditional one. So yes, it will incur charges (additional 5% in total) when I pay monthly instead of yearly.