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INVESTMENT-LINKED INSURANCE

How do you define your wealth?


The size of your bank accounts, or perhaps the number
of your assets?

Those are valid definitions, but thats not all. True wealth lies in the legacy you
leave behind. Financial security for your family, the strength for your loved
ones to carry on when youre no longer around, or even sparks of inspiration to
guide your loved ones towards success. While many people usually give much
thought to building and planning their future in good times, fewer people
strategise about protecting their family when tragedy unexpectedly strikes.

What can you do to protect your family?


Leave a legacy of protection for your loved ones with PRUwealth

With Prudentials PRUwealth, you are just a step away from safeguarding your legacy
for your familys future.

PRUwealth is an investment-linked insurance plan that has the flexibility to be with


you up to age 100(1) and provides greater insurance protection of up to 4 times (4X)
the coverage. As you stay covered, PRUwealth further rewards you with Loyalty
Bonus and Loyalty Booster.

With PRUwealth, create a lasting impact in your loved ones lives. Protect and leave a
legacy that will outlive you.

The policy coverage term shall depend on the policy having sufficient account value to cover all the
(1)

policy charges. To ensure that the policy has sufficient account value, additional premiums are likely
required for continuous coverage up to age 100.
Benefits at a glance
With you up to age 100(2)
PRUwealth allows you to protect your legacy by providing you the flexibility to have
insurance protection up to age 100(2), giving you and your loved ones unparalleled
protection. PRUwealth further allows you to add on optional riders such
3xas critical illness
riders and payor riders for further peace of mind.

Coverage when you need it most


2x
Enjoy extensive insurance coverage up to 4X the coverage amount in the occurrence of
an unfortunate event as per below:

Pays 100% of the coverage amount upon death


or Total and Permanent Disability (TPD)(3).

Pays 200% of the coverage amount upon death


due to accident(3).

Pays 300% of the coverage amount upon death due


to accident(3) from commuting in public conveyance,
an elevator car or due to fire while in a public building.

Pays 400% of the coverage amount upon death


due to accident(3) occurring outside of Malaysia.

The coverage amount payable shall be the higher of the Sum Assured or the
cash value of the Basic Unit Account (BUA) and Protection Unit Account (PUA).
Also, all remaining cash values in the Investment Unit Account (IUA) shall be payable
upon death.

Extra coverage for infectious diseases


For each diagnosis of For each hospitalisation
infectious disease in of infectious disease in
Category A(4) Category B(4)
Loyalty rewards along the way
As you stay covered with PRUwealth, you will be rewarded with Loyalty Bonus(5) of
RM500 once every 2 years starting from the 10th policy year onwards. A further one-off
Loyalty Booster(5) equivalent to 8% of the Sum Assured shall be payable on the Policy
Anniversary Date when you reach age 70, 80 or 90 depending on your entry age as
shown below:

LOYALTY
ENTRY LOYALTY BONUS BOOSTER
AGE PAYOUT TERM PAYOUT AGE

Age 19 - 50 Once every 2 years Age 70


Age 51 - 65 starting from the 10th Age 80
Age 66 - 70 policy year onwards Age 90

Total control
Take full control of PRUwealth with 4 premium payment terms of 5 years, 10 years,
20 years or throughout the policy term. PRUwealth further offers you the flexibility to
control your coverage term by way of adjusting your premium amount or making single
premium top-ups.

Guaranteed protection for the initial crucial years


PRUwealth comes with a built-in No-lapse Provision(6) feature, which allows you to enjoy
continuous protection during the first crucial 72 months regardless of market performance.

Investment opportunities
PRUwealth offers you the opportunities to invest in both local and global markets
through our PRUlink and/or PRUlink global funds. Further enhance your cash value by
investing regularly with the PRUsaver rider.

(2)
The policy coverage term shall depend on the policy having sufficient account value to cover all the policy
charges. To ensure that the policy has sufficient account value, additional premiums are likely required for
continuous coverage up to age 100.
(3)
TPD and Accidental Death coverage is available prior to the Policy Anniversary Date of age 70.
(4)
Infectious disease coverage is available prior to the Policy Anniversary Date of age 70. Please refer to the
next section for the list of covered infectious diseases.
(5)
The Loyalty Bonus is equivalent to RM100 per RM100,000 of Sum Assured. Both Loyalty Bonus and Loyalty
Booster shall depend on the Sum Assured and be payable into BUA, provided that the policy is still inforce
and all premiums due are paid.
(6)
Provided that all premiums are paid and no withdrawals have been made from the BUA and PUA.
Overview

*Note the policy coverage term and benefits payable shall depend on the policy having sufficient account
value to cover all the policy charges. To ensure that the policy has sufficient account value, additional
premiums are likely required for continuous coverage up to age 100.

All about PRUwealth


1. What is PRUwealth?
PRUwealth is a regular premium investment-linked plan that covers Total and
Permanent Disability (TPD) and Accidental Death before the Policy Anniversary
Date of age 70, and death of the Life Assured. It also offers coverage on infectious
diseases before the Policy Anniversary Date of age 70, whereby it pays a lump sum
benefit upon the diagnosis or hospitalisation of a covered disease. PRUwealth
further rewards you with Loyalty Bonus and Loyalty Booster.
2. How do I enjoy continuous coverage up to age 100?
PRUwealths coverage term shall depend on the policy having sufficient account
value to cover all the policy charges such as insurance charges, other fees and
charges which are deducted from the account value.

To ensure that the policy has sufficient account value, additional premiums are
likely required for continuous coverage up to age 100.

3. Who can take up this plan?


PRUwealth is available to anyone aged from 19 to 70 years old. At maturity or
upon surrendering, we will pay you the value of units in your policy.

4. What are the covered infectious diseases under PRUwealth?


The list of covered infectious diseases are as follows where multiple claims can
be made under each category, provided that each infectious disease is only
claimable once.

Measles
Hand, Foot and Mouth Disease
CATEGORY A
RM5,000 Chikungunya Fever
for each diagnosis
Typhoid Fever
Rabies

Zika Virus
MERS-CoV
Ebola
CATEGORY B SARS
RM10,000 Influenza A - Avian Influenza A(H7N9) & A(H5N1)
for each hospitalisation
Nipah Virus Encephalitis
Japanese Encephalitis
Creutzfeldt-Jakob Disease
Malaria
5. How do the Loyalty Bonus and Loyalty Booster work?
Take an example of Philip, aged 35 who buys PRUwealth with a Sum Assured
of RM1,000,000. He will enjoy a stream of Loyalty Bonus of RM1,000 once
every 2 years starting from the 10th policy year onwards. Upon reaching age 70,
he will be rewarded with a one-off Loyalty Booster of RM80,000 on the Policy
Anniversary Date.

*Note the Loyalty Bonus is equivalent to RM100 per RM100,000 of Sum Assured and Loyalty Booster is equivalent to 8% of Sum
Assured. Both Loyalty Bonus and Loyalty Booster shall depend on the Sum Assured and be payable into Basic Unit Account (BUA),
provided that the policy is still inforce and all premiums due are paid.

6. What are the waiting periods that I should be aware of ?


There is no waiting period for the death and TPD coverage under PRUwealth.
However, the coverage on infectious diseases can only be exercised after 90 days.
The waiting periods for other optional riders are detailed in the Product Disclosure
Sheet and Sales Illustration.
7. What are the major exclusions for PRUwealth?
If death is due to suicide within one year of the commencement date of the
policy or the date on which the policy is revived, only the account value shall
be payable.
TPD benefit is not payable if the disability is directly or indirectly caused by:
a) pre-existing conditions; or
b) any attempted suicide or self-inflicted injury whether attempted/inflicted
while sane or insane; or
c) any traveling in an aircraft other than as a pilot or a member of a crew or a
fare-paying passenger in a commercial aircraft licensed for passenger
service on scheduled flights over established routes only; or
d) any participation in any aerial sporting activities such as hang-gliding,
ballooning, parachuting, sky-diving, bungee jumping and other such
similar activities.
This policy does not cover pre-existing conditions.

*Note this list is non-exhaustive. Please refer to the policy document for more details about the major exclusions under this policy.

8. How do I find out more about PRUwealth?


Should you require additional information about PRUwealth, you may speak
to your agent or Wealth Planner. Alternatively you could visit our website at
www.prudential.com.my for more details.
Important Notes:
The policy coverage term shall depend on the policy having sufficient account value
to cover all the policy charges. To ensure that the policy has sufficient account
value, additional premiums are likely required for continuous coverage up to age 100.

This brochure is for illustrative purposes only. You are advised to refer to
Prudentials 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 important features of the plan.

You should assess the affordability and suitability of the product (including
optional benefits) in relation to your financial goals and risk appetite.
To achieve this, we recommend that you speak to your agent or Wealth Planner
who will perform a needs analysis and assist you in making an informed decision.

There is a free-look period of 15 days after the delivery of your policy to allow you
to review it if it meets your needs. If the policy is cancelled within this period, we
will refund you the value of units (at the next pricing date) plus the premiums
that are not invested, insurance charges, service charge, processing charge
(if any), Goods and Services Tax (GST, if any) that we have deducted, less medical
expenses that we may have already paid or agreed to pay.

PRUwealth is not a Shariah-compliant product.

Any age reference shall be on the basis of Age Next Birthday.

Coverage terms for payor riders is up to age 70 or 80.

Details of the fees and charges charged for providing the insurance coverage and its
optional riders are detailed in the Product Disclosure Sheet and Sales Illustration.

Premium rates and insurance charges for the Basic Benefit and other add-on
benefits are not guaranteed. We reserve the right to revise these non-guaranteed
premium rates and insurance charges at policy anniversary by giving you at
least 3 months written notice. If we increase the insurance charge after the
premium payment term, you may need to pay an additional premium or top-up.

Non-payment of premiums may cause this policy to lapse. Should you stop paying
premiums, the policy may continue for as long as there are sufficient units in
the respective accounts. Therefore, depending on the amount of units
available in these selected accounts, benefits of the plan may lapse and cease to
be in-force at different points in time.
If you cancel the policy in the early years, you may not be able to obtain the full
value from the amount you have paid to us. When you surrender the policy, all
benefits in the policy will be terminated.

For more information on the funds, please refer to their respective Fund Fact
Sheets available on our website at www.prudential.com.my. You may also track
the performance of your funds by checking the unit prices published daily on
our website.

Prudential Assurance Malaysia Berhad (PAMB) is an insurance company licensed


under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.

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

Prudential Assurance Malaysia Berhad


Member of PIDM
Prudential Assurance Malaysia Berhad (PAMB) is a member of Perbadanan Insurans Deposit Malaysia
(PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by
PAMB are protected against loss of part or all of insurance benefits by PIDM, in the unlikely event of
an insurer member failure. For further details of the protection limits and the scope of coverage, please
obtain a PIDM information brochure from PAMB or visit PIDM website (www.pidm.gov.my) or call PIDM
toll-free line (1-800-88-1266).
CC&Associates Group
Mr. Malik T.
Mr. Charles S.
Ms. Chong
Hotline +6016-222-9063
Prudential Assurance Malaysia Berhad (107655-U)
Menara Prudential, 10 Jalan Sultan Ismail,
50250 Kuala Lumpur, Malaysia.
Tel: 03-2116 0228 Fax: 03-2032 3939
05/2017

Email: customer.mys@prudential.com.my

www.prudential.com.my