Thursday, 17 January 2013

NEW !!! PRUlink million

Investment Linked Plan – Everyone is a Millionaire.

An exclusive regular premium investment-linked insurance plan that provides you with a high coverage of RM500,000 and above, and safeguards what is important to you and your loved ones



WHAT WILL I RECEIVE?
With PRUlink million, you can enjoy peace of mind as you will receive at least your basic sum assured amount in the event of death or total and permanent disability (TPD). Depending on the performance of the funds invested, you may receive more than your current sum assured!
A FLEXIBILE PLAN
PRUlink million gives you flexibility to customize your coverage term and premium payment term.
ENHANCE YOUR PROTECTION
Enhance your protection with our optional benefits1.
.
INCREASE YOUR CASH VALUE
We provide the flexibility to increase your policy investment value via Single Premium Top Ups.

NO-LAPSE GUARANTEE
Your policy will not lapse even when the value of units in the plan falls to zero2.

1Attachment of optional benefits is subject to underwriting and additional premium(s)
2Subject to all premiums being paid up to date and no withdrawals performed


 
HOW DO I START?
First, determine your protection needs, such as your basic cover and other optional benefits. Then decide how long you want to be covered and how long you wish to pay premiums for. The minimum sum assured is RM500,000.
PREMIUM PAYMENT
Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.
PREMIUM ALLOCATION
For premium payment term of 10 years:
 

Policy Year
1
2
3
4
5
6
Above 6
PRUlink million premium Allocation Rates
60%
70%
72%
80%
95%
95%
100%
PRUsaver premium Allocation Rates
95%







For premium payment term of 20 years and above: 

Policy Year
1
2
3
4
5
6
Above 6
PRUlink million premium Allocation Rates
40%
50%
60%
70%
90%
90%
100%
PRUsaver premium Allocation Rates
95%







WHERE ARE MY FUNDS  INVESTED?
The premium will be invested in the PRUlink golden equity fund and PRUlink golden bond fund according to an asset mix as shown in the following table.
PRUlink million-asset mix











If you choose to pay premiums for a shorter term than your policy term, your funds will be switched into the PRUlink golden managed fund upon the end of the premium payment term.
You can track the performance of your funds by checking the unit prices published daily on our website at www.prudential.com.my

OPTIONAL BENEFIT

 1) Critical Illness Covers
Crisis Defender is an optional benefit that is designed to pay a lump sum benefit upon diagnosis of any of the 36 critical illnesses.

2) Payor Covers
Enhanced PRUpayor basic, Enhanced PRUpayor saver, PRUspouse payor basic and PRUspouse payor saver pay for your plan in the event of death, disability or critical illness (if Crisis Defender is attached) on behalf of the payor of the plan be it yourself or your spouse.
 

For further details on the product and riders, please call 03-2116 0228, email us at customer.mys@prudential.com.my or contact your friendly Prudential Wealth Planner KHAIRUL KHAMIS at 017 5112737 to assist you in performing a needs analysis to assess your suitability and affordability needs.



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