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.
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 of age 70 next birthday or expiry of the policy, whichever is earlier.
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.
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.
*Subject 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.
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.
| Death / Total and Permanent Disability (TPD) Benefit | In the event of death prior to the Policy Anniversary of chosen expiry age next birthday (80 or 100) or Total and Permanent Disability (TPD)1, we will pay the higher of:
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| Maturity Benefit | At the end of the policy term, we will pay you the value of units 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: |
| 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 of age 70 next birthday or expiry of the policy, whichever is earlier.
The premium direction for BUA premiums is pre-fixed. The allocated BUA premiums will be invested in PRULink Golden Equity Fund, PRULink Golden Bond Fund and PRULink Golden Managed Fund.
PRUMy Gift further offers you growth opportunities to diversify your fund(s) both locally and globally through our PRULink Fund(s), PRULink Global Fund(s) and/or PRULink Local and Global Fund(s) through PRUSaver Premium and Top-up Premium (if any) as the premium direction for these premiums depends on the fund(s) selected by you.
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3 PRULink Funds (pre-fixed for BUA) |
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8 PRULink Funds (for IUA) |
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6 PRULink Global Funds (for IUA) |
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2 PRULink Local and Global Funds |
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NOTE: 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. Return on an investment-linked fund is not guaranteed.
Individuals between age 19 and 70 years old next birthday.
Visit any UOB Malaysia Branch nearest to you
Underwritten by:
The above plans are underwritten by Prudential Assurance Malaysia Berhad 198301012262 (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.
This content contains only a brief description of the product and is not exhaustive. You are advised to visit any of our branches and to refer to Product Brochure, Product Disclosure Sheet, Product/Sales Illustration and Fund Fact Sheet(s) (if any) before purchasing a policy, and to refer to the terms and conditions in the policy contract for details of the features and benefits under the policy.
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 UOB Malaysia representative who will perform a needs analysis and assist you in making an informed decision.
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).
