PRULive Well is a non-participating plan that provides coverage up to age 100. It provides Monthly Income Benefit and waives future premium if you are unable to perform at least 2 Activities of Daily Living, and pays a lump sum death benefit if you die during the term of the policy. Furthermore, it also refunds the total premium at maturity of the policy.​
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About Our Plan

 All ages in this table are age next birthday (ANB)

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This content contains only a brief description of the product and is not exhaustive. You are advised to refer to  Prudential Assurance Malaysia Berhad (PAMB)’s Leaflet, Product Disclosure Sheet and Sales Illustration before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the features and benefits and exclusions under the policy.​ ​

The benefit(s) payable under eligible certificate/policy is(are) protected by Perbadanan Insurans Deposit Malaysia ("PIDM") up to limits. Please refer to PIDM's Takaful and Insurance Benefits Protection System ("TIPS") Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).​

For many insurance providers, a lump sum death benefit is paid out when the policyholder passes away. This lump sum payout is to help the family maintain financial stability in the absence of the policyholder. With PRULive Well, there is an additional advantage - the plan provides a monthly income benefit of up to 20 years if the policyholder is unable to perform Activities of Daily Living, ensuring that there are options for assisted living.

It can be more expensive than traditional life insurance policies due to the ongoing payouts. However, the cost varies depending on the amount of coverage, and the length of the monthly payout period.

This depends on the policy itself. PRULive Well offers monthly income benefit of up to 20 years. You can contact us for more information.

This will depend on the amount your family needs. For instance, whether there is a mortgage to pay off, education loans etc. Nonetheless, life insurance with monthly income benefits is a valuable support. Thus, it is important to assess your family’s financial situation and needs.

Yes, but premiums may be higher, and there could be restrictions based on the person’s health. Contact us for policies tailored for older adults or those with certain conditions.

Inability to perform ADL refers to when a person requires assistance or supervision in completing basic self-care tasks such as eating, bathing, dressing or move around. This can include help from a caregiver or specialized equipment.

If you can no longer perform ADL independently, you may need to seek assistance from family, caregivers, or healthcare providers. You may qualify for long-term care insurance or other financial assistance.

Daily living assistance refers to support or services provided to individuals who need help with basic activities, such as eating, bathing, dressing, and mobility, due to age, illness, or disability.

Daily living assistance can include help with personal hygiene, meal preparation, transportation, medication management, dressing, and assistance with mobility. Daily living assistance can be provided through in-home care, assisted living facilities, nursing homes, or through family and friends. Some people also hire professional caregivers to provide daily support.

Some forms of daily living assistance may be covered by long-term care insurance or health insurance, depending on the type of care needed. PRULive Well offers a monthly income benefit of up to 20 years upon disability. This means you will have options for assisted living if you’re unable to perform 2 or more ADL.

The cost of daily living assistance varies depending on location, the level of care needed, and whether the assistance is provided at home or in a facility. It can range from RM4,000 to RM6,000 a month, depending on the location, facilities and services offered.