PRUmy gift

  • prumy-giftprumy-gift

    Securing your legacy for your loved ones

Overview

The most precious gift you can give to your loved ones is protection from unforeseen events.

Your loved ones mean the world to you. You strive to always provide the best for them. Whether you want to ensure your loved ones receive the protection they deserve, or you wish to create a legacy which will be remembered, PRUMy Gift will help you achieve your goals.

Benefits

Protection that fits your needs

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Grow your wealth with potential returns

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Should the unexpected happen, PRUMy Gift ensures that your loved ones are taken care of. A lump sum benefit will be paid in the event of death prior to the expiry age or Total and Permanent Disability (TPD)1 to help your loved ones in times of need.

Further enhance your protection by attaching Premium Paying Riders:
PRUPayor Basic, PRUPayor Saver, PRUSpouse Payor Basic and/or PRUSpouse Payor Saver.

1Total and Permanent Disability (TPD) coverage is available prior to the Policy Anniversary date of age 70 next birthday.

While providing the protection your family deserves, PRUMy Gift also rewards you with potential returns provided by the performance of our investment-linked funds at maturity.

No-Lapse Guarantee

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Your time is our priority

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Rest assured that your legacy will remain intact no matter how the market performs. As long as all premiums are paid on time, your policy will not lapse regardless of market conditions.

2Subject to all premiums being paid up to date and within the grace period.

We understand that your time is precious. We make it our priority to underwrite your case - getting covered is now quicker and more convenient than ever.

Benefits Table

What is PRUMy Gift?
PRUMy Gift is a regular premium investment-linked insurance plan. This plan provides coverage in the event of death prior to expiry age or Total and Permanent Disability (TPD)1. The plan also provides Maturity Benefit.

Basic Benefits In the event of death prior to the Policy Anniversary date of chosen expiry age next birthday (80 or 100) or Total and Permanent Disability (TPD)1, we will pay the higher of:
  • The Basic Sum Assured; or
  • The cash value of Basic Unit Account (BUA)
plus the cash value of Investment Unit Account (IUA), if any.
Maturity Benefit At the end of the policy term, we will pay you the total cash value in BUA and IUA of your policy (if any).
Premium Payment Term 5 years, 10 years, 20 years or throughout the entire policy term.

Note:
For limited premium payment term options, the minimum period between the policy term and premium payment term is 10 years.

Policy Term The policy will cover you until age next birthday of 80 or 100, depending on your choice, subject to a minimum policy term of 20 years.

Note:
1Total and Permanent Disability (TPD) coverage is available prior to the Policy Anniversary date of age 70 next birthday.

 

Eligibility

Individuals between age 19 and 70 years old next birthday.

Enrolment

Visit any UOBM Branch nearest to you

Underwritten by:

Prudential

This is for your general information only. You are advised to visit any of our branches and ask for a copy of Product Brochure, Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.

Buying life insurance policy is a long-term financial commitment. You should assess the affordability and suitability of the product (including supplementary benefits) that best suits your personal circumstances in relation to your financial goals and risk appetite. To achieve that, we recommend that you speak to your Prudential Representative or Bank Representative who will perform a needs analysis and assist you in making an informed decision.

The above plans are underwritten by Prudential Assurance Malaysia Berhad (107655-U). All claims and liabilities arising from the policies should be made with the company.

Prudential Assurance Malaysia Berhad is a licensed insurance company and is regulated by Bank Negara Malaysia. Prudential Assurance Malaysia Berhad is responsible for the products and benefits offered by them, as well as any representation made in any of their marketing materials including United Overseas Bank (Malaysia) Berhad’s marketing material for the products offered by Prudential Assurance Malaysia Berhad.

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 the 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 the PIDM website or call the PIDM toll free line (1-800-88-1266).