FAQ

Need to know more about life insurance or your policy?

Please click at any of these topics for the FAQ.


If you've forgotten your username/login ID, here is what you need to do:

  1. Proceed to the Login page. Click on the Forgot Username
  2. Key in the 'Security Letters' displayed and click Confirm
  3. Key in 'New NRIC No. / Old NRIC/ Passport/ Other Identity No.' and click Next
  4. TAC will be sent to your mobile telephone number. Enter the correct TAC and click Confirm.
  5. Your username / login ID will be displayed.

If you've forgotten your password, here is what you need to do:

  1. Proceed to the Login page. Click on the Forgot Password
  2. Key in the 'Security Letters' displayed and click Confirm
  3. Key in 'Username' and click Next
  4. TAC will be sent to your mobile telephone number. Enter the correct TAC and click Confirm.
  5. Key in 'New Password' and key in the same new password for 'Confirm New Password' and click Submit
  6. You will receive a confirmation upon successful change of password.

Yes, you may login to PRUaccess plus ,click on My Profile and select Change Password.

Please contact our Call Center at +603 2116 0228 or walk-in to any of our branches for assistance.

Your PRUaccess plus account will not expire. However, your account will be automatically deactivated if you do not login to PRUaccess plus for 365 days.

To re-activate your PRUaccess plus account, please contact our Call Centre at +603 2116 0228 or walk-in to any of our branches for assistance.

Please contact our Call Center at +603 2116 0228 or walk-in to any of our branches for assistance.

It is recommended that you do the following:

  • Do not reveal your Username/Login ID and Password to anyone.
  • Ensure there is no one looking at your screen when you are keying in your Username/Login ID and Password.
  • Ensure that your computer system is secured.
  • Always logout when you have completed your online transactions or inquiries.
  • Avoid accessing PRUaccess plus from a public area e.g. a cyber cafe. However, if you need to, please remember to clear your cache after each session.
  • Avoid storing your password when using Internet browsers. The "AutoComplete" function in some browsers stores and capture possible matches from entries you entered previously. You can prevent passwords storing by deactivating the "AutoComplete" function.

The message will be displayed if you entered the same username and password. This is a security measure. You are advised to key-in a different password to proceed.

Transaction Authorisation Code (TAC) is a unique 6-digit security code that provides an additional layer of identity authentication for security purposes when you perform online transactions and to protect you against unauthorized access to your account. TAC will be sent via a SMS to your registered mobile phone number with us.

For your online access security, your TAC can only be used while you are still logged on to PRUaccess plus. Your TAC will expire after 5 minutes.

No, TAC can only be requested via PRUaccess plus and your TAC will be sent via SMS to your mobile phone.

Yes. TAC is required each time you login to PRUaccess plus.

Yes. You can only use one (1) TAC for only one (1) transaction or request.

Yes. You can by just deleting or ignoring the SMS that contains the TAC.

You can only register one (1) mobile number for TAC purposes for all your policies.

No. Your mobile number registration for TAC can only be done by contacting our Customer Service Executives or visit our nearest branch for security purposes.

You can change your mobile number for TAC by contacting our Customer Service Executives or visit our nearest branch.

The delivery time depends on the traffic volume of your mobile service provider.

You may receive an "error" message for the following reasons:

  • Your TAC is incorrect
  • Your TAC has expired

You can go to 'Please click here after 1 minute to request for a new TAC' at the TAC verification page. TAC will be sent via a SMS to your registered mobile phone number with us.

It is an added security measure that safeguard you when you perform online transactions, to identify if you have logged into the correct website and to prevent unauthorized login to your PRUaccess plus account.

It consists of security phrase and colour. This information is known to you only when logging in to your account whether from your own computer or somewhere else.

It is an additional security solution that will help to protect you against identity and account information theft.

After you have entered the required information at the New User Registration Page,

  • Proceed to 'Security Information'.
  • Choose a colour and key in a phrase. DO NOT enter your password; please choose a phrase that you can remember. The length of the phrase is up to 30 alphanumeric (i.e. A - Z, 1 - 9) characters.
  • Please ensure your colour and security phrase are correct. Then click Next.
  • TAC will be sent to your mobile telephone number. Enter the correct TAC and you will receive a confirmation message.

The security phrase and colour that is presented to you during your registration process comes from a large selection of your combination. Therefore, it will be difficult for an unauthorized party to display your selected security phrase and colour for your verification.

Yes, you can. After logging in successfully, click on "My Profile" and follow the steps below:

  • From the dropdown list, select "Change Security Colour & Phrase".
  • Choose a new colour and key in a phrase. DO NOT enter your password; please choose a phrase you can remember. The phrase can contain up to 30 alphanumeric (i.e. A - Z, 1 - 9) characters.
  • Please ensure your Security Colour and Phrase are all correct. Then click Next.
  • After the request is sent, a TAC will be sent to your mobile phone. Key in the correct TAC and you will receive a confirmation message.

PRUaccess plus is a web portal which provides you the accessibility to view your policy information and perform self-services anytime, anywhere.

Any Prudential policyholder (assured) with at least one (1) active policy can register as a PRUaccess plus user.

PRUaccess plus provides you the following services:

  • Policy Details
  • Premium / Payment Details
  • Claims Details
  • Sales Channel Information
  • Product and Marketing Information
  • Branch and Panel Hospital Directory
  • Download Forms
  • Changing personal security profile(password, security phrase/colour/question)
  • View Funds Report
  • Online Change of Contact Details and download eForm
  • View and download online Statements

Phishing is a process where someone tricks you into giving them your personal information which may include your user IDs, passwords, policy details, or credit card details, so that they can gain access to your online accounts.

Victims are known to receive phone calls, SMS or most frequently emails claiming to be from the company or a partner, asking for personal information to re-register or update your accounts, or reset your passwords.

Here are a couple of ways you can spot a phishing scam

  • You receive a phone call, SMS or email asking you to provide personal/ security information or TAC
  • A phishing email link, when clicked, will open into an un-secure login site, with its URL most likely to begin with http, instead of the secure https
  • The phishing site's URL may contain misspelled words, like "PRUacess" instead of PRUaccess.

Here are several safe tips to minimise threats of "phishing" and similar scams

  • Ensure that you always verify your 'Security Phrase and Colour' before attempting to key in your Password in the Login page.
  • Do not trust any phone calls, SMS, e-mail, web and chat that requests for your personal details and identity.
  • Never click on a URL link in an e-mail or fill out forms in e-mail messages and un-trusted websites.
  • Go directly to the related web site to access and manually key in the company's web site address in the browser's URL bar.
  • Keep up-to-date with the latest security patches. Update your Operating System and internet browser with the latest patches, making sure all security and critical patches are applied. Use anti-virus software and, if possible, personal firewalls. Ensure your anti-virus software is up to date with the latest signatures.
  • Scanning your PC regularly from a popular anti-virus web site is also recommended.
  • If an online money-making scheme seems too good to be true, it probably is. This generally holds true for off-line schemes as well!

You can perform the following change of contact details online via PRUaccess plus:

  • Correspondence Address
  • Residential Address
  • Business Address
  • Mobile telephone number
  • Residence telephone number
  • Business telephone number
  • Email address

Only PRUaccess plus registered users (Assured) are allowed to perform online change of contact details.

Upon successful login to PRUaccess plus:

  • Click on 'My Transaction'
  • Select 'Change Contact Details' in the dropdown list
  • You can perform online change of contact details for Active policy(s) only.
  • You are not allowed to perform online change of contact details for policy with Transaction Status 'Accepted for Processing'.

No. The changes performed in Change of Contact Details are updated as below:

  • Before 4:30pm (Monday - Saturday), you can view on T+1
  • At & after 4:30pm (Monday - Friday) and Sunday, you can view on T+2
  • At & after 4:30pm (Saturday), you can view on T+3

**Public Holiday same as above

"T" refers to the transaction date regardless working day or non working day.

  • Yes. You can view, print and save the Acknowledgement Slip by clicking on the <Print> button at the Change of Contact Details screen.
  • The Acknowledgment Slip can be viewed and downloaded upon submission and can be retrieved from the Transaction History in PRUaccess plus.
  • Yes. You can view and download the PDF copy by clicking <View & Download> hyperlink in the Change Of Contact Details screen.
  • The e-form can only be viewed and downloaded within 14 days from the change of contact details submission date in PRUaccess plus. If the transaction date exceeded the retention period, the view and download hyperlink will be disabled.

No. The change of mobile number you performed via online Change of Contact Details will not update the TAC Mobile Number in PRUaccess plus. TAC Mobile Number can only be updated by contacting our Customer Service Executives or visit our nearest branch.

Yes. TAC is required upon each online change of contact details you performed in PRUaccess plus. TAC will be sent to your TAC Mobile Number when you click on the <OK> button in the 'Statement of Declaration' in the Change Of Contact Details screen.

Transaction being rejected can be due to various reason. For details, you may refer to the letter that will be sent to you in due course.

Transaction unsuccessful can be due to submission failure during the online change of contact details. You are required to submit your request again.

Upon successful submission of your change of contact details, the transaction status will remain as 'Accepted for Processing' until the transaction is successfully updated in our record as per the processing time stated on the webpage of Online Change of Contact Details.

PRUaccess plus online payment enables the payment of insurance installment premium and/or automatic premium loan.

PRUaccess plus registered users (Assured / Policyholder) are allowed to perform online payment.

The online payment service provider is CIMB Bank (M) Berhad.

Visa / Master Debit and Credit cards can be used for online payment.

  • You must login to PRUaccess plus
  • Click on 'My Transaction' tab
  • Select 'Online Payment' in the dropdown list

You can perform online payment any time of a day at your convenience. However, there is a processing cut off time for premium to be applied to the policy as stated below:

  • Any successful e-payment transaction performed before 4.30pm, the premium will be processed and applied to the policy on the same working day*.
  • Any successful e-payment transaction performed at or after 4.30pm, the premium will be processed and applied to the policy on the following working day*.
  • Any successful e-payment transaction performed on non-working day, the premium will be processed and applied to the policy on the following working day*.

*according to the business/working days of PAMB in Kuala Lumpur.

Note: The information above is displayed on the Online Payment screen of PRUaccess plus.

  • There will not be an Official Receipt issued from PRUaccess plus online payment. However, there is an Acknowledgement Slip upon successful submission and it is printable by clicking on the <Print> button on the Online Payment Acknowledgement screen.
  • The Acknowledgment Slips are retrievable for viewing and printing from the Transaction History in PRUaccess plus within the records retention period.

You can login to PRUaccess plus after the processing time stated on the Online Payment screen to view the updated Premium Due Date under My Policy. Alternatively, you can call our Call Center for premium payment enquiries.

The “Pending” transaction status is due to the in-progress transaction authorization from credit or debit card issuance bank. You will not be able to perform online payment under this status. You are encouraged to view the last transaction status again on the next working day.

The unsuccessful transaction could be due to the insufficient fund available in the debit card account or failure in the deduction from the credit card used. You may try to submit the online payment again.

e-Statement is an electronic version of your annual paper statements traditionally sent via post. The e-Statement will be conveniently accessible via PRUaccess plus.

Only PRUaccess plus registered users (policyholder) can view, download and print their e-Statements for their respective policy(s) online.

Follow the steps below to access your e-Statements :

  • Login to https://pruaccessplus.prudential.com.my
  • Select "My Folder" and Click on "Statements"
  • Choose the Type and Year of Statement
  • Click on 'Download' button (statement will be opened in a new tab)
  • Simple, Faster & Cleaner – You can view your annual statements anytime, anywhere.
  • Safer - Reduce the risk of your statements being lost or stolen in the post.
  • Greener - Stay clutter free and conserve resources (paper) by accessing statements online.

There is no fee imposed for using e-Statement service from PRUaccess plus. e-Statement is a FREE service to all PRUaccess plus users.

The following e-Statements are available in PRUaccess plus :

  • Investment-Link Insurance Plan Statement provide summary of your funds movement for the year
  • Life Assurance Premium Statement for income tax preparation
  • Universal Life Plan Statement provide summary of your accounts and dividend payout for the year
  • Bonus Statement informing the bonus declared for the year (Applicable for Traditional Policy only)

e-Statements for the last 3 years are available online. We would like to advise you to download and retain these statements for your future reference.

Yes, you can request through the following channels for your statements that are stored within our compliance records retention period :

  • Call our Call Centre
  • Visit our nearest branch
  • Email to customer.mys@prudential.com.my

You will no longer receive annual paper statements via post effective 1 January 2018 for Statement Year 2017 onwards.

Yes, you need a PDF reader and viewer to view and print your e-Statements.
The statement that you have selected is unavailable or the type of statement you selected is not applicable to the policy type.

e-Statements cannot be opened in a new tab if the Pop-up Blocker is turned on. Kindly turn off the Pop-up Blocker before clicking the 'Download' button in the Statements page.

Follow these steps to turn off the Pop-up Blocker:
  1. Go to Internet Explorer
  2. Right click on the 'Tools' icon located at the top right
  3. Select 'Internet options'
  4. Click on 'Privacy' tab, un-check the check-box to turn off the Pop-up Blocker.
  5. Click 'OK' button.

Upon completion of the above, the statement will be opened in new a tab.

Your PRUaccess plus account will become dormant if you did not login within 365 days from the last login date. A message will be prompted when you try to login.

Your user account has been automatically deactivated and become dormant as you did not login to PRUaccess plus within 365 days from the last login date. Error message <M0131 - User Account is inactive> will be prompted.

Yes. SMS will be sent to your TAC Mobile Number registered with Prudential one month prior to your account becoming dormant.

You can request for reactivation of your dormant account by contacting our Call Centre or walk-in to any of our branches completing the PRUaccess plus Service Request Form.

You can click on "Forgot Username" button at the login screen in PRUaccess plus.

No. You cannot change your username once you have successfully registered to PRUaccess plus. The username is an unique identification when logging into PRUaccess plus.

You can click on "Forgot Password" button at the login screen in PRUaccess plus.

Yes. You can login to PRUaccess plus, click on 'My Profile' and select 'Change Password'.

If you are not able to self-serve using Forgot Username to retrieve your existing username or not able to self-serve using Forgot Password to change your password at the login page in PRUaccess plus, you can contact our Call Centre or walk-in to any of our branches to seek assistance.

eCredit is a new feature made available in PRUaccess plus that enables policy holders to update their bank account details online.

Only PRUaccess plus registered users (policyholder) can view, download and print their e-Statements for their respective policy(s) online.

To ensure hassle free and secured payment credited into your bank account once a payout has been requested.

You can follow the steps below :

  1. Login to https://pruaccessplus.prudential.com.my
  2. Click on "My Transaction"
  3. Select "eCredit" in the dropdown list

ID Type and account number must tally with the information of your intended bank account. This is to ensure successful payouts to you.

The Secondary ID is an optional field for you who are having both New IC and Old IC.

You are advice to update your ID with Prudential and bank.

Yes, joint bank accounts are acceptable and you must be one of the payee for the joint account. The account signatories allow either one to sign and not both signatures required.

No, the bank account must be maintained by financial institutions that offer MEPs and Inter-Bank Giro (IBG) services in Malaysia.

You can always update your bank account details in eCredit via PRUaccess plus.

You can follow the steps below:

  1. Login to https://pruaccessplus.prudential.com.my
  2. Click on "My Profile -> My Personal Details"
  3. Transaction status shown as ‘Successful’ for eCredit transactions

Kindly refer below:

  • Any online update of bank account details submitted before 8.00pm will be processed on the same business day*.
  • Any online update of bank account details submitted after 8.00pm will be processed on the next business day*.
  • Any online update of bank account details submitted on non-business day will be processed on the next business day*.

*according to the PAMB headquarters business days at Kuala Lumpur

There is no confirmation letters sent to you via post. You can download the E-Confirmation Slip online via PRUaccess plus:

  1. Click on "My Transaction"
  2. Go to "Transaction History" in the dropdown list
  3. Go to "E-Confirmation Slip" and click "View and Download"

Upon successful updated bank account info, the transaction status will remain as 'Accepted for Processing' until the transaction is successfully updated in our record as per the processing time stated on the webpage of eCredit.

Transaction unsuccessful can be due to submission failure during the eCredit transaction. You are required to submit your request again.

Most people would have taken up a mortgage loan when they purchased a new home. It is important to take up mortgage insurance so that your family can still continue to live in the home that you have provided for them, even when you are no longer around. The sum assured of the mortgage insurance will pay for the mortgage loan.

Life insurance is used for two broad purposes :

a) To provide financial security - provides you and your family with financial protection when unexpected events and hardship, such as disability, critical illness or the loss of a loved one, occur. Once you own a life insurance policy, you and your loved ones are immediately secured against such risks.

b) As a medium-to long-term savings and investment vehicle - life insurance helps your savings and investment grow so that you can plan for the good things in life, such as a comfortable retirement, a good education for your children, or that dream car, house or holiday.

There are numerous life insurance policies available. Here are some basic guidelines that can help you with your decision.


a) The right policy

While there is no universally correct policy, the right policy can be described as one that will provide you with adequate financial protection and is affordable.


b) Knowing your needs

Life insurance should be bought based on meeting your insurance needs. Few people can afford to buy all the insurance they desire immediately. It is therefore necessary to decide which insurance needs are of higher priority. Here are some of the common reasons for buying life insurance.


To provide income continuity in the event of death or disability

Even in a family with more than one income, the family will suffer a financial setback if one of the income earners dies. In the case of a family with only one breadwinner, the hardship will be severe. Similarly, if a person becomes totally and permanently disabled, he or she will not be able to continue working. In addition to loss of income, there will be a financial drain caused by the need to accommodate the condition. The family needs to be protected against such misfortune.


Life insurance provides financial protection for your dependents. It gives them cash to tide them over in difficult times. When buying life insurance for this purpose, you should look at the financial commitments of your family.


To provide income for the policyholder if he/she becomes critically ill

Should you be diagnosed with a critical illness, such as cancer, kidney failure or stroke, medical expenses will add up to a hefty amount.


Insurance can help with such expenses as a lump sum of cash will be paid to you once you are diagnosed with a critical illness. This money can help you with medical bills and other expenses arising from the critical illness.


To provide savings or investments

Life insurance is not just about sickness and death, it is also a good savings and investment tool.


You may be saving for a car or a condominium. You may want to go on a holiday or for further studies. Life insurance provides you with stable returns and helps you realise your dreams. It is also a good investment vehicle that can help you build a retirement nest egg.


To provide for your children's education

Education, especially tertiary education, has become increasingly expensive. Life insurance is one way to ensure that there are sufficient funds for your children's education. PRUlink education account, for example, efficiently facilitates this need.


c) Affordability

Life insurance should be bought based on your financial needs. Few individuals can afford to buy all the insurance they desire immediately, so it is vital to decide which insurance needs are the most important. Generally, higher premiums will bring you more benefits. Thus, it is important to find the right balance between the amount paid and the amount insured for. You should buy policies which satisfactorily meet your insurance needs and which you can afford.

There may be times when you might meet with financial difficulty and consider surrendering your policy. You should, however, evaluate the various options available before surrendering.


When you surrender your policy, the amount of money you receive (known as the surrender value) may be more or less than the total premiums you have paid. This will depend on the age at which you bought the policy and the terms of the policy.


Remember that an insurance policy is a medium-to long-term investment. You are likely to lose some of your premiums if you surrender your policy after a short period, while you stand to gain attractive monetary rewards if you can continue your investment over the medium to long term.


More importantly, you must also consider the insurance coverage that you will lose at a time when it is needed most. When your financial resources are low, every income source is crucial to your family. If you surrender your policy now, your family will have to make ends meet without either your income source or any insurance proceeds should something unfortunate happen. Generally, you have 2 options.


a) If you have difficulty paying your premiums, you may want to consider going on a 'premium holiday' instead. Once your policy has acquired a cash value, you can go on a 'premium holiday' during which you do not pay premiums but still receive insurance coverage. This is possible as long as your policy has cash value that can be used to pay your premiums. Only when the cash value is depleted will your policy lapse.


b) Alternatively, you can convert it to a 'paid-up' policy where you stop paying premiums but maintain the validity of your policy with the reduced sum assured.


It is important to think it over carefully before making the decision to surrender your policy. You may want to take up one of the two options above rather than LOSE your investment and financial security for your family.

If death occurs, we pay to:

  • the estate if there is no will
  • the executor if there is a will
  • the trustees if there is a nomination/trust, or
  • the assignee if we have been notified of an assignment

A non-Muslim policy owner may nominate a natural person(s) (i.e nominee(s)) to receive policy moneys payable upon his death under his policy at any time by completion of a nomination form. Where a nominee is spouse, child or parent (where there is no spouse or child living at the time of nomination), a trust shall be created automatically.


If the policy owner is a Muslim, the nominee shall act as an executor. He shall distribute the policy moneys in accordance with Islamic Law.


If there is a living benefit claim, such as disability or critical illness, we will pay upon total and permanent disability or diagnosis of a critical illness.


The person claiming the policy money will have to notify the life insurance company and provide documentary evidence to substantiate their claim.

There are four aspects of financial planning :

  • Insurance planning - you use insurance plans to meet the financial security needs of yourself and your family, should any mishap happen to you and/or your loved ones.
  • Investment planning - you have your money work for you and reap the returns according to your risk profile.
  • Retirement planning - you ensure that you are able to continue with a comfortable lifestyle and do the things you want to do after retirement.
  • Tax planning - you ensure that appropriate taxes are being paid without having to make large sacrifices.

An assignment means to transfer the rights of personal property to another person. A life insurance policy can be assigned as it is regarded as a form of personal property.


The assignment can be done via a Deed of Assignment signed by the assignor (policy owner) and the assignee (the party receiving the rights of the policy).


For the assignment to be effective, notice of the assignment must be given to the life insurance company.

An investment-linked policy (ILP) gives you investment returns on your savings and provides insurance coverage at the same time. There are two main types of ILPs: regular premium and single premium.


a) Regular Premium ILP

Like the traditional life policy, the regular premium ILP provides financial protection against premature death and acts as a tool of investment. However, the degree of flexibility marks the difference between them. Below is a summary of the differences.

Protection/ Investment Mix

i) Traditional Policy - the proportion of protection and investment is pre-determined. You can change the mix by surrendering part of the policy or by purchasing additional policies to increase the protection.


ii) ILP - you can increase or decrease the protection or investment element in the policy to suit your financial needs.


Premiums

i) Traditional Policy - you have to pay the same premium amount throughout the term of the policy.


ii) ILP - you can decide to increase or decrease the premium amount to suit your budget, subject to certain limitations.


Investment Choice

i) Traditional Policy - premiums are invested at the insurance company's discretion, subject to guidelines set by Bank Negara Malaysia.


ii) ILP -you can choose from the various investment funds offered by the life insurer, based on your own risk/reward profile and investment time horizon. You can also switch from one fund to another when the investment climate or your own risk-profile changes.


Risk

As with all investments, there is a risk factor to consider. You will experience the ups and downs that naturally occur in the investment market. These ups and downs are reflected directly in the value of the funds, thus making the returns under an ILP more volatile. However, in the medium to long term, ILPs are likely to give higher returns than traditional policies due to the greater exposure to equity investment.


In contrast, traditional policies carry minimum cash values prescribed by law and provide more stable returns. Which type of policy to buy depends on your risk/reward profile.


b) Single Premium ILP

A single premium ILP is similar to a unit trust except for the additional life insurance cover provided. Should you decide to surrender the policy, the cash value is based on the prevailing value of the fund. Should you die, you will receive, for example, the sum assured or the value of units, whichever is higher. The death benefit is a salient feature of a life insurance policy and is not available to those who invest solely in unit trusts.

Life insurance is concerned with events that could happen during a person's life and the probability of such an event actually taking place. The policyholder pays premiums regularly and this ensures payment of an agreed amount if the specified event - such as death or an accident resulting in death or disability - occurs. Premiums collected from all the policyholders are pooled together to form the life insurance fund. This fund is nurtured with the intention of being paid out as and when required to the dependents of those who have contributed to it. Life insurance normally combines protection with a regular savings programme.


While life insurance cannot prevent any of these events from happening, it can provide for protection against financial loss as a result of these events.

Life insurance policies can be divided into those with profits and those that are non-participating. Plans with profit allow the policyholders to share in the profits made by the life insurer. A non-participating plan does not and is therefore relatively cheaper. Most life insurance plans are participating, with the exception of term plans and supplementary benefits or riders. The main types of life insurance plans are:


a) Whole Life

Provides lifetime protection for the life assured. A fixed sum of money - the sum assured - will be payable upon the death of the life assured. Correspondingly, premiums are payable as long as coverage is provided. If the policy is surrendered before that, the policyholder is entitled to the cash value.


b) Endowment

Provides protection for the term of the policy. This type of policy can be taken up for a specific period of time, for example 10, 15 or 20 years, or up to a certain age, for example 55, 60 or 65. A fixed sum of money - the sum assured - will be payable upon the death of the life assured. Should the policyholder survive the policy term, he or she will receive the sum assured as a lump sum payment. Premiums are paid throughout the policy term. A slight variation of an Endowment plan, and one which offers earlier partial maturity payment in instalments during the term of the policy, is the Anticipated Endowment plan.


c) Term

Provides protection throughout the policy term. The sum assured is only payable if the life assured dies during the policy term. This plan is affordable for someone who needs protection but may not have the budget. Term plans are usually convertible, that is, policyholders have the option to convert them into whole life or endowment plans without having to provide evidence of health.


d) Supplementary Benefits or Riders

Provide additional benefits that are not usually included in the main plans mentioned above. These include benefits for hospitalisation, medical expenses, advance payment due to critical illnesses, temporary and permanent disability, death or disablement due to accidents and income protection, to name just a few.

Contact Us
Contact Number

603 2116 0228
Monday to Friday, 8:30am to 5:15pm
(excluding Public Holidays)

Fax Number

603 2032 3939

Address

Menara Prudential, 10 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.
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