PRULINK SUPREME

  • PRULink SupremePRULink Supreme

    PRULink Supreme

    A limited pay investment-linked insurance plan that offers a combination of insurance protection and investment benefit. This plan provides coverage in the event of Total and Permanent Disability (TPD) prior to the Policy Anniversary of age next birthday (ANB) 70 or expiry of the policy, whichever is earlier, and death of the Life Assured during the policy term.

Overview

Invest and accumulate your wealth with PRULink Supreme 

For you and your loved ones to live in the lap of luxury, wealth accumulation is always your top priority. You understand that by working hard itself will not make you wealthier. Rather, you need to combine your wealth with investments in a diversified financial portfolio to make your hard-earned money work hard for you too. Diversification not only helps in building up your wealth, but also lowers your financial portfolio’s risk. 

Besides prioritising wealth accumulation, you also need to have the essential insurance protection as life is full of uncertainties. 

Let’s accumulate your wealth, diversify your financial portfolio, and enhance your insurance protection with PRULink Supreme. It is an investment-linked insurance plan with premium payment period of 3 years, that helps to broaden your wealth accumulation strategy and gives you an insurance protection up until ANB 100¹.

 

1The policy term and benefits payable shall depend on the policy having sufficient value of units to cover all the policy charges. This would mean that the policy needs to have a positive value of units in order for coverage to remain in force. In the event when the policy does not have sufficient value of units, additional top-up premiums are required for continuous coverage up to Policy Anniversary of ANB 100.

Benefits

Benefits and features at a glance 

S - Short premium payment period of 3 years
U - Unlocks investment opportunities to invest in both local and global markets
P - Provides insurance protection up until ANB 1002
R - Regular Basic Unit Account (BUA) premium with 100% allocation rate3
E - Essential insurance coverage for Death and Total and Permanent Disability (TPD)4
M - Maturity Benefit with potential upsides to level up your wealth
E - Easy enrolment via Simplified Issuance Offer (SIO) 

 

2The policy term and benefits payable shall depend on the policy having sufficient value of units to cover all the policy charges. This would mean that the policy needs to have a positive value of units in order for coverage to remain in force. In the event when the policy does not have sufficient value of units, additional top-up premiums are required for continuous coverage up to Policy Anniversary of ANB 100.

3Before the deduction of any administration and/or insurance charges.

4Prior to the Policy Anniversary of ANB 70 or expiry of policy, whichever is earlier.

Benefits Table

Premium Payment Term and Policy Term
Premium Payment Period (Years) Policy Term
3 PRULink Supreme will expire upon Policy Anniversary of Life Assured’s ANB 1005.
Basic Unit Account (BUA) Premium Minimum BUA premium: RM30,000 p.a.
Maximum BUA premium: Subject to underwriting
Death Benefit We shall pay the higher of:
  1. 125%/105%6 of total BUA premium paid (excluding loading premium, if any), LESS any withdrawal from BUA;
  2. value of units in BUA; OR
  3. RM5,000
PLUS value of units in Investment Unit Account (IUA) (if any).
Total and Permanent Disability (TPD) Benefit We shall pay the Death Benefit as stated above upon Life Assured suffering from TPD prior to the Policy Anniversary of ANB 70 or expiry of the policy, whichever is earlier.

Note: Payment of this benefit will reduce the Death Benefit.

Maturity Benefit At maturity, we will pay you the value of units in BUA and IUA of your policy (if any).
Surrender Benefit Upon surrender, the value of units in BUA less any surrender charge plus value of units in IUA (if any), is payable.
Optional Rider
Investment Rider Details
PRUSaver This is a regular premium rider mainly for investment purpose. It does not provide any insurance coverage.
Underwriting Simplified Issuance Offer (SIO)


5The policy term and benefits payable shall depend on the policy having sufficient value of units to cover all the policy charges. This would mean that the policy needs to have a positive value of units in order for coverage to remain in force. In the event when the policy does not have sufficient value of units, additional top-up premiums are required for continuous coverage up to Policy Anniversary of ANB 100.
6105% if Life Assured is a sub-standard life.

Investment Opportunity

PRULink Supreme offers you growth opportunities to diversify your funds both locally and globally through our PRULink Fund(s), PRULink Global Fund(s) and/or PRULink Local and Global Fund(s).

8 PRULink Funds
  • PRULink Equity Income Fund aims to maximise returns over medium to long term. This is achieved by investing in a diversified portfolio of high quality shares and dividend yielding stocks which have or can potentially have attractive dividend yields.

  • PRULink Equity Focus Fund aims to maximise returns over medium to long term. This is achieved by investing into approximately 30 quality Malaysian companies listed in Bursa Malaysia that are expected to provide medium to long-term capital appreciation and income potential.

  • PRULink Managed Fund II aims to maximise returns over medium to long term by investing in shares and fixed interest securities through PRULink Equity Fund and PRULink Bond Fund and in any other PRULink Funds that may become available in the future. The neutral asset allocation ratio is 80% in equities and 20% in fixed income securities with allowable movement +/- 10%.

  • PRULink Bond Fund aims to provide medium to long term accumulation of capital by investing in selected fixed interest securities, corporate bonds and fixed deposits.

  • PRULink Dana Unggul aims to maximise returns over medium to long term by investing in high quality Shariah-approved shares listed on the Bursa Malaysia.

  • PRULink Dana Urus II aims to maximise returns over medium to long term by investing in Shariah-approved shares and Islamic debt securities through PRULink Dana Unggul and PRULink Dana Aman and in any other such PRULink Funds that may become available in the future. The neutral asset allocation ratio is 80% and 20% with allowable movement from the benchmark of +/- 10%.

  • PRULink Dana Aman aims to provide medium to long term accumulation of the capital by investing in selected Islamic debt securities.

  • PRULink Strategic Managed Fund aims to provide moderate capital growth over the medium to longer term by investing in a mix of fixed income and equity securities directly, or indirectly through the use of investment funds. The fund will tactically allocate between 70% to 90% in fixed income and 10% to 30% in equities.

5 PRULink Global Funds
  • PRULink Asia Managed Fund is an actively managed fund that seeks to maximise returns over medium to long term. This is achieved by investing directly in shares, fixed interest securities and money market instruments in the Asia Pacific ex Japan region through any other PRULink Global Funds that may become available in the future or indirectly via sub-funds managed by Eastspring Investments (Singapore) Limited or any other fund manager to be determined from time to time.

  • PRULink Global Market Navigator Fund is an actively managed fund that aims to achieve positive absolute returns over the medium-term through the implementation of an actively managed asset allocation strategy in a diversified range of global assets including cash, equities, bonds and currencies. Exposure to each asset classes will be primarily through exchange traded funds, index futures, direct equity and bonds, swaps, options and foreign exchange forwards, each of which may be traded through recognised exchanges or via the over-the-counter markets. The use of derivatives is for efficient portfolio management to gain access to the markets efficiently in a cost-effective manner. At inception, PRULink Global Market Navigator Fund will invest in a sub-fund called Eastspring Investments – Global Market Navigator Fund managed by Eastspring Investments (Singapore) Limited. The fund may then invest in any other PRULink absolute return funds that may become available in the future or indirectly via other absolute return funds.

  • PRULink Dragon Peacock Fund is a fund that aims to maximise long-term total return by investing primarily in equity and equity related instruments of corporations, which are incorporated in, or listed in, or operating principally from, or carrying on significant business in, or derive substantial revenue from, or whose subsidiaries, related or associated corporations derive substantial revenue from the People’s Republic of China (PRC) and India. At inception, PRULink Dragon Peacock Fund will invest in a sub-fund called Eastspring Investments – Dragon Peacock Fund managed by Eastspring Investments (Singapore) Limited. The investments of the Sub-Fund include, but are not limited to, listed securities in the Recognised Markets, depository receipts including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs), debt securities convertible into common shares, preference shares and warrants. The fund may invest in any other funds or sub-funds managed by Eastspring Investments (Singapore) Limited or any other fund managers to be determined from time to time.

  • PRULink Asia Equity Fund is a fund that aims to maximise long-term total return by investing in equity and equity-related securities of companies, which are incorporated, or have their area of primary activity in Asia Pacific ex-Japan. The Asia Pacific ex-Japan region includes but is not limited to the following countries: Korea, Taiwan, Hong Kong, Philippines, Thailand, Malaysia, Singapore, Indonesia, People’s Republic of China, India, Pakistan, Australia and New Zealand. The fund may also invest in depository receipts [including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs)], debt securities convertible into common shares, preference shares and warrants.

  • PRULink Global Growth Fund is a fund that aims to generate long-term returns through investing primarily into a portfolio of assets globally including equities, equity-related securities, deposits, currencies, derivatives or any other financial instruments directly, and/or indirectly through the use of any funds.

2 PRULink Local and Global Funds
  • PRULink Equity Plus Fund aims to maximise long-term returns through investing into a portfolio of domestic and foreign assets including equities, equity-related securities, deposits, currencies, derivatives or any other financial instruments directly, and/or indirectly through the use of any funds such as investment-linked funds set up by us, collective investment schemes and/or exchange traded funds.

  • PRULink Managed Plus Fund aims to maximise long-term returns through investing into a portfolio of domestic and foreign assets including equities, equity-related securities, fixed income securities, deposits, currencies, derivatives or any other financial instruments directly, and/or indirectly through the use of any funds such as investment-linked funds set up by us, collective investment schemes and/or exchange traded funds.


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.

 

Eligibility

  Child Adult
Entry ANB 17 - 18 19 - 70

7For child plans, minimum entry age is 14 days.

Enrolment

Visit any UOB Malaysia Branch nearest to you.

Disclaimer

Underwritten by:

Prudential

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).