Prudential Assurance Malaysia Berhad

To : CHAN PEI HOON SWB00001
KUCHING OFFICE
Policy No. : 31140433

Name of Assured : LEE KWANG YAW
NOTIFICATION OF REPLACEMENT OF POLICY

We would like to advise that the above policy falls under Replacement of Policy (ROP) status. The assured has
an existing policy/policies with either Reduction of Premium/Automatic Premium Loan (APL)/Paid-Up/Lapsed/
APL Lapsed/Surrendered/ Outstanding of Premium within 12 months before or after a new policy/rider is
effected.
Please find attached a summary of the benefits comparison between the existing and new policy/rider. Please
discuss this matter with the Assured and submit the duly signed ROP reply slip to us within 14 days from the
letter issuance date. This will create awareness of the disadvantages of replacing the existing policy/policies.
Should you have any enquiries or require further clarification, please do not hesitate to email us at:
E-mail : conservation.unit@prudential.com.my
Thank you.

CONSERVATION UNIT
PRUDENTIAL ASSURANCE MALAYSIA BERHAD (107655-U)
[Note : This is a computer generated document and does not require a signature]
Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala
Lumpur, Malaysia. P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my
Part of Prudential plc (United Kingdom)

P1 Page 1 of 8
Date : 06-11-2022
Ref : ILCEBRN_0017_001
LEE KWANG YAW
NO 11, TASMAN SUNVALLEY
JLN BAMPFYLDE
93200 KUCHING SARAWAK
Dear Sir / Madam,

REPLACEMENT OF POLICY
Life Assured LEE KWANG YAW

Policy No. (New Policy/New Rider) 31140433
Type of Policy PRUWith You
Existing Policy No. 00792561
Type of Policy PRUWith You
Policy Status LAPSED
Thank you for purchasing the above new policy/rider from us.
However, we noted that your existing policy has lapsed within the 12 months before or after the purchase of
the new policy/rider.
It may not be in your best interests to allow your existing policy to lapse. The purchase of the new policy/rider
may result in a higher premium due to current age and the risk of any potential health condition. You may have
to incur the initial costs again for the new policy/rider and may not enjoy financial benefits that may have
accumulated in the existing policy.
We would advise you to review your decision based on the illustration in the Comparison of Existing and New
Benefits table in Attachment 1.
You may contact your Servicing Agent/Bank Representative to facilitate selecting the options available as stated
in Attachment 2: Confirmation by Assured (Policyholder).
Kindly return the completed and signed copy of Attachment 2 within 14 days from the date of this letter to
your Servicing Agent/Bank Representative or to our Customer Service Executives that can be reached at:
E-mail : conservation.unit@prudential.com.my
Thank you.
Note: [Computer-generated document, no signature required.]

P1 Page 2 of 8
Attachment 1
1. Comparison Of Existing And New Benefits
Existing Policy New Policy/Rider

Basic Rider Basic Rider
Current Sum PRUWith You PRUWith You (TPD) PRUWith You PRUWith You (TPD)
Assured 100000 100000 30000 30000
PRUSaver Acci Guard Plus
Acci Guard Plus 30000
100000 Acci Med Plus 2000
Acci Med Plus 5000 Acci Income Plus 2
Total Multi Crisis unit(s)
Care 100000 Total Multi Crisis
PRUMillion Med 200 Care 30000
Med Saver 300 PRUMillion Med 200
Payor Basic 3180 p.a Med Saver 300
Payor Saver 180 p.a Payor Basic 3000 p.a

PRUMillion Med
Booster 200
Premium Amount
RM 3,360.00 RM 3,000.00
(Single/Annual)
Existing Policy New Policy/Rider

Guaranteed Non-Guaranteed Guaranteed Non-Guaranteed
Surrender Value
At Present RM 0.00 RM 0.00 RM 0.00 RM 150.00
In 5 Years RM 0.00 RM 2,336.41 RM 0.00 RM 3,205.84
Death Benefit
At Present RM 100,000.00 RM 0.00 RM 30,000.00 RM 150.00
In 5 Years RM 100,000.00 RM 2,336.41 RM 30,000.00 RM 3,205.84
Maturity Benefit
RM 0.00 RM 0.00 RM 0.00 RM 0.00

P1 Page 3 of 8
2. Surrender Value
Total accumulated surrender value under the existing policy : RM 0.00
Number of years required to build up this amount of surrender value

under the new policy/rider :1
1
Net loss as a result of this replacement
Total premium paid under existing policy (a) : RM 560.00
Total withdrawal (if any) (b) : RM 0.00
Total accumulated surrender value under existing policy (c) : RM 0.00
Net Loss1 (a) – (b) – (c) : RM 560.00
1
Net Loss = Total Premium Paid - Total withdrawal (if any) - Surrender Value. If the value shows a negative
figure, your Surrender Value is higher than the total premium paid.
Note:
The values given are estimates only and are subject to the following conditions:
i. Guaranteed & Non-Guaranteed Values at Present

· Guaranteed & Non-Guaranteed Values at Present for the existing policy are as at policy lapse
date with the assumption that the policy has lapsed.
· Guaranteed & Non-Guaranteed Values at Present for the new policy are as at letter date.
ii. Guaranteed & Non-Guaranteed Values in 5 years
· Guaranteed & Non-Guaranteed Values in 5 years projected for the existing policy are as at
policy lapse date with the assumption that the policy remains inforce and the future premiums
of the policy are to be paid on time.
· Guaranteed & Non-Guaranteed Values in 5 years projected for the new policy are as at letter
date with the assumption that the policy remains inforce and the future premiums of the
policy are to be paid on time.
· When "N/A" in shown, this indicates that the policy will be expired in 5 years.
· When 0 is shown under the Non-Guaranteed Values for investment-linked products, this
indicates that the policy is projected to lapse as the value of units is insufficient to cover total
charges.
iii. Guaranteed & Non-Guaranteed Values for Maturity Benefit
· Guaranteed & Non-Guaranteed Values projected for the existing policy are as at policy lapse
date with the assumption that the policy remains inforce and the future premiums of the
policy are to be paid on time.
· Guaranteed & Non-Guaranteed Values projected for the new policy are as at letter date with
the assumption that the policy remains inforce and the future premiums of the policy are to be
paid on time.
· When 0 is shown under the Non-Guaranteed Values for investment-linked products, this
indicates that the policy is projected to lapse as the value of units is insufficient to cover total
charges.
iv. Non-Guaranteed Values are not guaranteed and are illustrated based on the investment return of
5.00% p.a.. The actual benefit may be more or less, depending on the performance of the participating/
universal life/ investment-linked funds invested for both the existing and new policies.
v. Comparison solely based on the surrender value regardless what policy benefits the customer may
have.
vi. The value of units/bonuses are not cashed out, no alterations are made in 5 years from letter date and
all future premiums are paid on time for both the existing and new policies.
vii. The company’s bonus calculation remains the same in 5 years from the date of letter issue.
viii. Excludes any increase in loan amount during the 5 years from the date of letter issue.

P1 Page 4 of 8
ix. For Accumulated Surrender Value/ Surrender Value/ Death Benefit/ Maturity Benefit, numbers stated in
this letter are not inclusive of any future withdrawal and accumulated survival benefits payout. For
detailed benefits information, please refer to your Policy Document / Product Disclosure Sheet / Sales
Illustration / Product Illustration.

P1 Page 5 of 8
Attachment 2
Confirmation By Assured (Policyholder)
Date : 06-11-2022
Ref : ILCEBRN_0017_001
Assured : LEE KWANG YAW
Policy No. [14] : 31140433 Existing Policy No. [15]: 00792561
(New Policy/Rider)
I confirm that I am aware of the disadvantages of the existing policy being lapsed before/after the purchase of a
new policy/rider. I have decided to:
Section 1
Tick (✓) one box to indicate your selection from the options below:
Maintain the new policy/rider and maintain the decision to discontinue the
Option 1 existing policy.
(if this is chosen , please proceed to Section 2)
Option 2 Maintain the new policy/rider and revive* the existing policy.
Option 3 Revive* the existing policy and cancel the new policy**/rider
For Option 2 and 3:

*Revival is subject to assessment and business rules. Please refer to Attachment 3 for requirement documents.
**Cancellation of the new policy is subject to no claims history for the policy.
Section 2
Reasons for choosing Option 1 only. (You may (ü) more than 1 reason.)
Tick (ü) Reasons
Financial constraints
Prefer new benefit in the new policy/rider
Needs have changed
Wrong information given by previous agent
Over-insured (too many policies)
Others, please state
…………………………………………………………………………………………………..
………………………………………….. ……………………………………
Signature of Assured (Policyholder) Date
Doc ID: 114010

P1 Page 6 of 8
Attachment 3
Requirements For Revival
1. The policyholder is required to pay the total outstanding premium from 01-03-2022 until 06-11-2022
amounting to RM 2,520.00 as at date of letter issue which may be subject to change.
2. Revival Application Form to be completed and signed (if necessary).
3. Units will be allocated at next pricing date following revival.
Note:
• Additional requirements and/or premium may be called for depending on assessment of the policy.
• Revival is subject to assessment and business rules.

P1 Page 7 of 8
Private and Confidential
Dear Sir / Madam,
NOTIFICATION OF REPLACEMENT OF POLICY (ROP)
We would like to advise you that the above new policy was detected as a replacement and as per Bank Negara
Guidelines, the following actions are required to be taken:
1. You will need to create the customer awareness of the disadvantages of replacing the existing policy by:
a. reviewing the replacement decision with the customer based on the benefits comparison between the
existing and new benefits and
b. facilitate the selection of options to revive/reinstate/settle the premium dues.
Kindly submit the duly completed and signed copy of the “Confirmation by Assured”.
2. You and your agency leader will not be entitled to all commissions and bonuses payout, including
production credit on the new policy. Any prior payout credited to you will be clawed back accordingly.
If you wish to appeal against this decision, please complete the following within 3 months from the date of this
Notice:
1. Kindly access https://tinyurl.com/y54n9gok , complete the required fields and click “Submit” button, and
2. Submit the duly completed and signed copy of the “Confirmation by Assured”.
Please be informed that appeal received will be reviewed and considered, however the final decision of your
appeal will be at the sole discretion of the Company.
For further clarification, kindly send your queries to the following department:
Type of Enquiry Department
ROP Appeal Status Agency Governance

Email : mys.pamb.rop@prudential.com.my
Production Related Matters Agency Reports & Statistics

Email : agencysupport@prudential.com.my
Commission & Balanced Score Agency Compensation

Card Related Matters Email : agencypayments@prupartner.com.my
ROP Guidelines & Customers Conservation Unit

related matter Email : conservation.unit@prudential.com.my
Thank you.
Regards,
Agency Governance
No signature is required on this computer-generated document.

P1 Page 8 of 8

Prudential Assurance Malaysia Berhad

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To : CHAN PEI HOON SWB00001

Policy No. : 31140433

NOTIFICATION OF REPLACEMENT OF POLICY

Part of Prudential plc (United Kingdom)

Dear Sir / Madam,

Life Assured LEE KWANG YAW

Part of Prudential plc (United Kingdom)

1. Comparison Of Existing And New Benefits

Existing Policy New Policy/Rider

Med Saver 300 PRUMillion Med 200

Payor Basic 3180 p.a Med Saver 300

Payor Saver 180 p.a Payor Basic 3000 p.a

Existing Policy New Policy/Rider

Part of Prudential plc (United Kingdom)

Number of years required to build up this amount of surrender value

i. Guaranteed & Non-Guaranteed Values at Present

Part of Prudential plc (United Kingdom)

Part of Prudential plc (United Kingdom)

For Option 2 and 3:

Doc ID: 114010

Part of Prudential plc (United Kingdom)

Part of Prudential plc (United Kingdom)

Type of Enquiry Department

ROP Appeal Status Agency Governance

Production Related Matters Agency Reports & Statistics

Commission & Balanced Score Agency Compensation

ROP Guidelines & Customers Conservation Unit

Part of Prudential plc (United Kingdom)

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