PRUWith You

An insurance and investment plan that, when you keep paying your premiums, pays out if you become TPD or unfortunately pass away. You can also choose a range of high quality investment funds and extra insurance benefits that are right for you and your family.

We pay a lump sum for any one of these events:

• If you unfortunately pass away;

• If you have an accident, get a critical illness or become TPD;

• If you reach 100 years of age.

Celebrate the joy of achieving your goals and milestones in life 

We reward you with a lump sum of RM500* when you enter new phases of your life such as:

• Getting married

• Giving birth to a child

• Buying a new home

• Doubling your salary

• Travelling to 10 different countries

*This benefit can only be claimed once for life assured with entry age 25 and below.

About your plan

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

1. 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 Brochure, Product Disclosure Sheet, Product / Sales Illustration, Fund Fact Sheet (if any) before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the features and benefits, exclusions and waiting periods under the policy.

2. This product comes with Extension of Coverage Term to extend  the term of basic plan up to the Policy Anniversary of Life Assured’s age 100. For rider(s), if applicable, the rider's term will be extended up to the Policy Anniversary of Life Assured's age 100 or the rider’s maximum coverage term, whichever is earlier. Unless you request to disable the Extension of Coverage Term, your policy will be auto extended as long as it has sufficient value of units to be deducted to pay for the relevant charges, fees and taxes during the extended term. To ensure sufficient value of units, additional premium is likely required during the extended term. During the extended coverage term, the coverage provided by the basic plan and rider(s) (if applicable) will remain the same.

PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.

PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. 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).

Investment linked insurance or ILPs (insurance linked insurance policies) provide life insurance and investment components to the insured. ILPs are designed to help you accumulate wealth and at the same time, provide protection in the case of death, or total and permanent disability. The sum assured can vary according to your policy.

In investment-linked insurance, a portion of the premiums paid by the policy holder covers life insurance while the other portion is invested in a specific fund. The insurance component usually covers death benefits as well as critical illness and disability. For the investment component, the investment fund is divided into equal valued units that you can purchase.

Investment linked policies have several benefits including:

• High flexibility - The insurance coverage is adjustable to suit your needs or stage in life. You can also withdraw for quick cash if needed or pause paying premiums if you have financial issues.

• Leverage your money for both wealth accumulation and wealth protection at the same time.

• ILP’s insurance component cost is very low for young individuals

• You have control over the decision company in an ILP and potentially higher returns depending on your decisions.

No, the returns of investment linked insurance is not guaranteed. This is due to the rise or fall of unit prices as according to the investment’s market value.

ILPs are not risk-free as the value depends on the investment portion’s performance.

Common ILP risks include:

• Investment risk - Returns are not guaranteed and past returns are not an indication of future performance.

• Insurance coverage charges - Premium rises with age and thus, your units might not cover the charges. Cost of insurance coverage might also increase if there is a rise in claims.

This depends on several factors including:

• Your goals - What are your investment or financial goals?

• Your risk appetite - While you can adjust the investment and insurance portions according to the risk you’re willing to take, always do your research to ensure that you’re investing in funds that are able to deliver expected returns. Consult one of our team to learn more about all your options.

• Your age - How much time do you have to reach your goal? Younger individuals have more time to invest and thus, can opt for more aggressive investment funds if they want to. Our advisors will be able to plan a strategy that suits your needs.

There’s no fixed period, and thus, it’s pretty much up to you. However, because of the high initial costs, a long-term strategy will probably give you more returns.