We understand your relentless need to give the very best to those dearest to you, for your dreams and the future. So build your future now from a young age with PRUWealth Enrich, a new legacy solution that will help you maximise the protection for your loved ones, build greater wealth and secure legacies that go beyond your lifetime. It gives you the power to safeguard your family’s and assets' security, even when the unexpected happens.
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Secure Your Future with the all-new Cancer & Heart Shield Campaign!
Enjoy complimentary coverage for cancer or heart attack worth up to RM200,000 when you sign up PRUWealth Enrich today!
Terms and conditions apply.
Unlock a range of Benefits for your Aspirations
High Coverage with Great Value for Money
Complimentary Increasing Coverage up to 50%
Up to 500% Coverage for Accidental Death
Multiple Loyalty Rewards Along the Way
Up to 20% Insurance Charge Discount when you choose Higher Coverage
Freedom to Pay at a Pace that suits you
Terms & Conditions apply.
Extra Riders that can be attached to PRUWealth Enrich
You can also add extra plans to strengthen your coverage. Choose from plans that:
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Pay you a lump sum if you get critical illness: |
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Pay you a lump sum if you unfortunately pass away: |
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Pay your premiums upon Total and Permanent Disability (TPD), death or diagnosis of critical illness: |
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Build a lump sum for your child’s future, a rainy day or whatever you choose: |
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Learn more
More about PRUWealth Enrich
An investment-linked insurance plan that provides maximised protection and greater wealth.
About Our Plan
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How much does it cost (your premium)? |
Minimum insurance premium for:
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How long will I need to pay premiums? |
5, 10 or 20 years or as long as your plan is in force. |
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How long does the coverage last? |
20 years. |
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How old must the life assured (the person covered by the plan) be when the plan starts? |
14 days - 70 years old. |
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What's the minimum amount of coverage? |
RM300,000 |
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What's the maximum life coverage? |
Our underwriters decide this, depending on your circumstances. |
All ages in this table are age next birthday (ANB)
Important notes
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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, Product / Sales Illustration and 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.
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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).
FAQ
FAQ on Investment-linked Insurance plans
1. What are investment-linked insurance policies (ILP)?
Investment-linked insurance plans comprise of life insurance and investment components. Premiums paid by the policyholder are used to cover the insurance charges and to buy units in one or more investment funds.
There are two types of ILPs - single premium ILPs and regular premium ILPs. With single premium ILPs, units are purchased with the lump sum paid. Single premium ILPs usually have lower insurance coverage. With regular premium ILPs, premiums are ongoing. The insurance coverage varies, depending on what you choose.
2. What are the key benefits of an ILP?
The main benefit of an investment-linked insurance plan is that you’re growing your wealth while protecting your loved ones if anything unfortunate should happen to you. ILPs are also flexible. You can switch sub-funds, top up or partially withdraw your investments. There is also flexibility to reduce or increase the insurance coverage if you need to, subject to respective investment-linked insurance plan's terms and conditions.
3. What to consider when choosing an ILP?
When choosing an ILP, consider the following:
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ILPs are long-term investments as you’ll need to make up for market fluctuations as well as to offset initial investment costs. Short-term returns are usually limited.
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Different ILPs offer different insurance coverage, so talk to your insurance agent about what you want your insurance policy to cover.
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Ask yourself whether you can continue paying the premiums if you lose or have a reduction in your income.
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Compare the ILP with other investment products.