EssentialLife (RP)

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    EssentialLife (RP)

    A REGULAR PREMIUM NON-PARTICIPATING INDIVIDUAL TERM LIFE INSURANCE PLAN. This plan provides coverage in the event of death and Total and Permanent Disability (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 needs. EssentialLife (RP) is a comprehensive protection plan to protect you and your loved ones should something untoward happen to you during the duration of your policy. Let EssentialLife (RP) gives you peace of mind by letting you focus on what’s important to you today.


Upon Death

The sum assured shall be payable in the event of death of the Life Assured during the policy term.

Upon Total and Permanent Disability (TPD)

The sum assured shall be payable if the Life Assured suffer TPD prior to the Policy Anniversary of age 65 next birthday or expiry of policy, whichever is earlier.

Upon Maturity

If the Refund of Premium (ROP) rider is attached, the total premium paid shall be payable excluding premium paid for Crisis Cover Benefit, Accidental Death & Disablement and taxes, if any, provided that no claim from the event of death, TPD and Critical Illness (if Crisis Cover Benefit is attached) during the policy term.

Upon Surrender of Policy

The cash value less surrender charge and outstanding debts (if any), shall be payable.

1Please click here to view the premium rates of the Crisis Cover Benefit rider for all ages of entry.


Entry Age 18 - 60

Age reference shall be on the basis of Age Next Birthday (ANB).



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 and the consumer education booklet on “Life Insurance”, “Medical & Health Insurance” and “Personal Accident Insurance” for further information 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 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 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.

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).