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.
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.
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.
I had join this insurance for 19 months started from august 2017 until Feb 2019 ( 1 yrs 7 months ).I had do my surrender on this march 2019 this year because of my personal matter ,i had a very hard time during this surrender,and my status for surrender still not legally until now regarding a few issue that i had to follow,but my insurance account already not valid by the time,i thought it will be easier..but not just that,second problem i can't even get my refund for almost 19 months paying monthly to this insurance..the reason is the insurance still on going although it is not valid anymore,actually it is not make sense when your customer did surrender but the insurance still going so who's gonna claim the insurance in the future...
ReplyDeleteThe third problem,they told me i only can claim cash value but you know what as long my insurance status not legally surrender,my cash value will be deducted for covering the months that i ddn't paid since this march...
And the issue are I ddnt legally surrender,i ddn't get my refund or ddn't even get my cash value but my insurance account still on going,i had been calculated for 19 months payment it will be rm3857,it's a lot of money i spent,paying every months consistantly,sometimes i ddn't enough money for my self just to paid this insurance but in the end i cant even get anything at all..😔😔
Im so sad at this moment,i ddnt know how more people get the same situation as mine...but im just want to remind for people out there to think wisely before take this insurance...
Dont be fool by the sweetness of their words...or you end up like me
😢🤦♀️
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