|
 We
All Need The Flexibility For Change
You
Decide How Your Money Works For You
The
Innovative PRUlink assurance account
How
Do I Start?
Who
Can Open An Account?
How
Is My Money Invested?
How
Do I Track The Performance Or My
Funds?
What
Are The Benefits?
What
Are The Charges?
What
Are The Optional Benefits/Protection?
Sign
Up Now!
We All Need The Flexibility For
Change
Without
flexibility, it can be tough to plan for changing needs and unforeseen events.
Changes
we expect.
Single
You may need only a small amount of insurance cover, and concentrate on
the investment side.
Married
With a spouse and home, you need much higher insurance protection to cover your
responsibilities.
You will need to alter the amount you contribute.
Parent
You need maximum insurance cover to give your children the financial security
they need.
You may also want to save for their education and to withdraw regularly from
your investment
for those University days.
Empty
Nest
Once the children leave home, you may decide to reduce your insurance cover and
concentrate
on the investment side for your retirement.
Retirement
You may need a regular monthly income. You may also want to stop premium payment
but still
continue the insurance cover.
And
changes we don't expect.
Unforeseen
events can also cause your needs and your family's to change. These include:-
-
Death
-
Disability
-
Injury
-
Critical
illness
-
Sickness
You
Decide How Your Money Works For You
PRUlink
assurance account is the first account to give you flexibility and control
in meeting your protection
and
investment needs. Prudential is the first insurer to offer a plan like this.
With the Account, you have the freedom to control both the amount of money you
have invested and how much you have for protection. Because you're in charge,
it's so easy to accommodate your changing needs! And that's just for starters,
because you can do all there too:-
-
Vary
the amount of insurance protection for death and disability as your needs
change while your premium stays the same and vice versa.
-
Enhance
insurance protection by adding Crisis Cover, accident, medical, disability
and payor optional benefits at an extra premium.
-
Build
up a retirement fund linked to professionally-managed PRUlink
funds that yield a potentially higher return than a bank account over the
long term.
-
Top-up
your investment between PRUlink funds at any time.
-
Take
premium holidays and still enjoy the valuable insurance protection.
-
Make
withdrawals for your children's education.
-
Stop
premium payments and make regular withdrawals from your Account for living
expenses when you retire while keeping some insurance protection for the
last expenses.
And
all you need is one PRUlink assurance account for life.
The
Innovative PRUlink assurance account
The
PRUlink assurance account is a regular premium investment-linked life
insurance plan for the whole of life.
How
Do I Start?
You
can start a PRUlink assurance account with as little as RM1,800 a
year, or RM150 a month.
Who
Can Open An Account?
You
can open an Account if you are between 18 and 60 years of age. You can also
open an Account for your child below 18 years of age. You own the policy
and you can deal with it as you wish for the benefit of your child until he/she
reaches age 25 when the ownership is automatically transfer to him/her.
How
Is My Money Invested?
A
proportion of your premiums* is allocated to buy units from any of the PRUlink
funds that you have chosen. The choice of fund depends on the risk-return
scenario that suits you most:-
-
PRUlink
managed fund is an actively managed fund that seeks to maximize
returns over medium to long term. This is achieved 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 future. The fund management charge is 1.5% a year.
-
PRUlink
equity fund aims to maximize returns over the medium to long term by
investing in high quality shares listed on the Kuala Lumpur Stock Exchange.
The fund management charge is 1.5% a year.
-
PRUlink
bond fund is aims to provide medium to long term accumulation of
capital by investing in selected fixed interest securities, corporate bonds
and fixed deposits. The fund management charge is 0.5% a year.
The
investment performance of the PRUlink funds is not guaranteed.
How
Do I Track The Performance Or My
Funds?
You
can check the unit prices that are published daily in major newspapers.
What Are The Benefits?
-
The
sum assured and the value of units are paid should death occur.
-
The
sum assured is paid should total and permanent disability occur before age
60. Units remain in your Account.
-
Should
your child die or suffer from total and permanent disability before age 5,
the proportion of sum assured paid is 20% at age 1, 40% at age 2, 60% at age
3 and 80% at age 4.
-
You
can make withdrawals at any time.
-
You
can cash out your policy at any time.
-
You
can stop paying premiums and still enjoy the benefits as long as there are
units in your Account to pay for the insurance charge and service charge.
-
You
can change your sum assured without any change in premiums and vice versa.
-
You
can top-up at any time to increase your investment.
-
You
can switch your investment between PRUlink funds at any time.
What
Are The Charges?
-
A
monthly service chare** and insurance charge*** based on the amount of
benefits (including optional benefits below) are levied.
-
A
top-up* incurs a one-off service charge of RM25.
-
One
free switch is available every year. The switch fee is set at 1% (subject to
maximum of RM100) for any subsequent switch.
-
All
charges are levied through cancellation of units.
-
The
fees and charges above may be varied from time to time.
What
Are The Optional Benefits/Protection?
You
may attach any of these optional benefits for an extra premium to enhance
insurance protection:-
-
Crisis
Cover Benefit
-
Crisis
Cover Income (for adults only)
-
Hospital
Benefit
-
Personal
Accident Benefits (for adults only)
-
Accidental
Death & Disablement
-
Accident
Medical Reimbursement
-
PRUmajor
med
-
PRUmed
-
PRUdisability
provider
-
PRUsaver
-
PRUpayor
-
PRUspouse
payor
-
PRUparent
payor
*PRUlink
assurance account
| Year |
1-2 |
3-4 |
5-6 |
7 & above |
| Premium Allocation |
40% |
70% |
90% |
100% |
Top-up
Premium Allocation = 95%
**
| Frequency of Premium Payment |
Yearly |
Half-Yearly |
Quarterly |
Monthly |
| Service Charge |
RM6 p.m. |
RM6 p.m. |
RM7 p.m. |
RM8 p.m. |
***
For example, the insurance charge for a person aged 45 years male non-smoker is
RM2.28 per RM1,000 sum assured for death and disability benefit.
Sign
Up Now!
For
Personal assistance, call 016-4847293 or e-mail us at [email protected]
This
leaflet is for illustrative purposes only. For further details of terms and
conditions, please refer to policy and sales illustration.
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