• essential-lifeessential-life


    A NON-PARTICIPATING INDIVIDUAL LEVEL TERM INSURANCE PLAN. This plan provides coverage in the event of death and Total and Permanent Disaility (TPD), whichever occurs first.


We understand the various concerns of individuals like yourself who want a comprehensive protection plan that protects you and your loved ones against any unforeseen circumstances. You could be a corporate personnel, a business owner or someone who has taken up a form of personal financing from the bank. You also want a customised plan by selecting from a suite of supplementary benefits based on your budget and current protection needs. EssentialLife is a comprehensive protection plan that relieves you and your loved ones from the burden of repaying term loans, overdrafts or mortgages should something untoward happen to you during the duration of your policy. Let EssentialLife give you peace of mind by letting you focus on what’s important to you today.


Upon Death

The sum assured is payable.

Upon Total and Permanent Disability (TPD)

The sum assured shall be payable if the Life Assured suffers from TPD before age 65 next birthday. Please refer to the Sales Illustration for the definitions, terms & conditions for TPD.

Upon Maturity

If the Refund of Premium Benefit (ROP) is attached, the basic and ROP premiums paid* will be paid out.

Upon Surrender of Policy

The cash value applicable at that time (if any) will be paid out.

*Excluding premiums paid for Accidental Death & Disability Benefit and Crisis Cover Benefit.


Individuals between 18–60 years old next birthday can take up EssentialLife.


Visit any UOBM Branch nearest to you.


Underwritten by:


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).