PRUwealth gain

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    PRUwealth Gain

    An INSURANCE PLAN with hassle-free enrolment that does not require you to go through medical underwriting*. It is a specially designed solution that offers attractive guaranteed Survival Benefit payouts to build your wealth.


PRUwealth gain bringing you closer to your Goals

We know you have big ambitions and that you would have already made plans on what you want to achieve. However, you probably have one very important question in your mind. “What exactly do I need to do in order for me to get on the right track to achieve my goals?”

Regardless of your goal, whether it is to buy your dream house, support your children’s further education or plan for your retirement, we have just the right product to bring you closer to your goal. With a short premium payment term of 3 years, 5 years and 10 years, PRUwealth gain can help you to spread out your insurance savings to realize your fixed goals.


You will be rewarded with an attractive and guaranteed Survival Benefit payout that grows with time. Get started with a Survival Benefit payout of 6% of your Basic Sum Assured and watch it grow as high as 38%1 of your Basic Sum Assured towards the end of the plan.

It doesn’t stop there. PRUwealth gain rewards you with 100% of the Basic Sum Assured upon maturity. With that, you can receive a total payout of 508%1 of the Basic Sum Assured throughout the entire policy term.

Choose to either receive cash payouts to help with your financial needs or just reinvest the cash payout for long term appreciation. The best part is that you can change between these 2 options at any time!

On top of that, you can build even more wealth with the Compounded Reversionary Bonus* and Terminal Bonus*. These bonuses are declared each year during the term of the policy and payable upon maturity to complement the Survival Benefit payouts. These bonuses provide you the chance to earn potential upside to boost your wealth.

With these rewards, there is no better way for you to achieve your goals!

PRUwealth gain also allows you to enjoy hassle-free enrolment* regardless of the plan that you have chosen.

Now sit back as PRUwealth gain bring you closer towards your goal.

1 If you select 40 years of coverage term.

* What is Compounded Reversionary Bonus & Terminal Bonus.

  1. Compounded Reversionary Bonus (CRB)

    A bonus declared each year during the term of the policy. The amount of bonus is not guaranteed and will depend on, among other factors, the actual investment performance achieved.

    It will be payable in full upon the maturity of the plan, death or TPD of the Life Assured. Full value of the CRB declared is not payable on early termination, surrender or conversion of the policy.

  2. Terminal bonus

    It will be payable upon maturity of the plan, death or TPD of the Life Assured or upon policy surrender.

Note: Reversionary and terminal bonuses are not guaranteed and will depend on actual operating and investment results experienced by Prudential.

PRUwealth gain lets you have peace of mind and sense of security with the following features to boost you closer towards your goal.

  1. Guaranteed survival benefits
  2. Guaranteed maturity payout
  3. Guaranteed policy acceptance*
  4. Guaranteed protection amount
  5. Guaranteed basic plan premium

* You do not need to go through medical underwriting if you purchase the basic plan only and your Basic Sum Assured per life is RM200,000 or less.

PRUwealth gain offers a wide selection of plans to assist you in achieving your ultimate goal. There are 8 different plans with varying combinations of premium payment term and policy term for you to choose from.


  • Available for individuals aged 1 - 60 years old
  • Minimum sum assured RM 20,000


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).