Wealth accumulation forms an essential part of building your life dreams. With the right plans and wealth accumulation opportunities, you can pursue your dreams while living an enriching life.
Be it sending your children abroad for higher education, owning your dream home or having your dream retirement, PRUEnrich Gain can bring you closer to achieving your goals. PRUEnrich Gain comes with great value, giving your wealth accumulation the boost to go further while ensuring you have protection at the same time.
However you envision your future to be, gain the confidence to know that you can make it a reality and live your dream life without worries.
E ssential coverage for Death and Total and Permanent Disability (TPD)1
N urture your future with various premium payment term and policy term2 options
R ev up your life goals with annual guaranteed Survival Benefit and Maturity Benefit
I ncreased coverage upon Accidental Death3
C apture potential upsides from bonuses4
H assle-free enrolment via Guaranteed Issuance Offer (GIO) up to RM1,000,0005
1 Prior to the Policy Anniversary of ANB 70 or expiry of policy, whichever is earlier. TPD Benefit is not applicable for entry ANB 70.
2 For entry ANB 66 to 70, the maximum policy term allowed is 15 years.
3 Prior to the Policy Anniversary of ANB 70 or expiry of policy, whichever is earlier. Accidental Death Benefit is not applicable for entry ANB 66 to 70.
4 Bonuses consist of Terminal Bonus (TB) and Compound Reversionary Bonus (CRB) and will be paid as a lump sum upon Life Assured’s death during the term of the policy, surrender, maturity or upon (TPD)1 , whichever is earlier. These bonuses are not guaranteed and will depend on the actual operating and investment results experienced by Prudential Assurance Malaysia Berhad (PAMB)’s participating life fund.
5 Medical underwriting shall be waived if you purchase the basic plan only and shall be subjected to the aggregate Basic Sum Assured per life for PRUEnrich Gain, PRUFlexi Gain,PRUValue Gain and PRUWealth Gain for in forced policies within the last 36 months, where applicable.
Age of Entry
•Child - ANB 16 to 16
•Adult - ANB 17 to 70
6 For child plans, minimum entry age is 14 days.
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 (PAMB) is a licensed insurance company and is regulated by Bank Negara Malaysia. PAMB 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 PAMB.
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, Sales Illustration and the consumer education booklet on ‘Life Insurance’ and ‘Medical & Health 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.
The premiums that you pay contribute to both the savings and protection elements of the product, e.g. death benefits. If you are looking for financial products with savings element, you may wish to compare annualised returns of this policy with the effective returns of other investment alternatives.
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.
Please refer to "Guide to Management of Participating Life Business" published on PAMB corporate website for the detailed explanation of how the participating life fund is managed.
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).