INVESTMENT-LINKED INSURANCE

PRUlife partner
Two hearts, protected as one
As you and your partner walk down the aisle, joining in matrimony,
a new chapter begins. Building a new life together is a lifelong
journey full of hope and excitement. While this new beginning is
bound to be filled with joy and happiness, life can take sudden
turns, and it pays to be prepared for such events.
PRUlife partner is a unique life protection plan that covers up to
two lives. With PRUlife partner, you and your better half can
now celebrate major milestones with us – from marriage, to
buying your new home, to welcoming your first child and
beyond. It is designed to grow with you and your partner
through the different stages in life, offering you peace of mind
and the best value for money, with multiple benefits and
insurance coverage – making it the perfect gift of love for the
both of you.

A perfect union begins with PRUlife partner, as both you and

your partner can always be there for each other, through thick
and thin.

Vow to protect each other today with PRUlife partner !

 Benefits at a Glance

Dual-Life Coverage Guaranteed Increases of

PRUlife partner provides married
couples with the opportunity to be
covered together under one
investment-linked policy.
Enjoy Discounts
PRUlife partner offers a spouse
discount on premium and
insurance charges of the Basic
Benefit1 for you and your partner
to be protected together. A further
large sum assured discount is
applicable to the Basic Benefit to
bring the best value for money
when your protection needs grow
along your life journey.
the Initial Basic Sum
Assured2 with Lifestage
Multiplier
PRUlife partner allows you to grow
your coverage by providing guaranteed
increases of the Initial Basic Sum
Assured without underwriting, subject
to an additional premium upon
achieving key milestones in life, such as
graduation, marriage, acquiring a
property, conceiving or legally adopting
a child.

1
Basic Benefit comprises Death Benefit, Total and Permanent Disability (TPD) Benefit, Accidental Death and
Disability Benefit (ADDB), and Disability Income Benefit.
2
Initial Basic Sum Assured is an amount equivalent to each of the Death Benefit, Total and Permanent Disability
(TPD) Benefit, Accidental Death and Disability Benefit (ADDB), and Disability Income Benefit that the
respective Life Assured is covered, as at the date the Life Assured concerned was first covered under this
Policy. Minimum Initial Basic Sum Assured for each Life Assured in each policy is RM100,000, except for
Disability Income Benefit which has a minimum sum assured that starts from RM 5,000.
Peace of Mind with
No-Lapse Guarantee
PRUlife partner stays with you
regardless of market conditions,
provided that all premiums are
paid up to date and no withdrawal
is performed throughout the
policy term.
Double Coverage for
Accidental Death
and Disability (ADDB)
PRUlife partner doubles your
coverage in the unfortunate
event of death or Total and
Permanent Disability (TPD) due
to accidental causes.
Disability
Income Benefit
PRUlife partner cares about you
when you are no longer able to
provide support for your loved
ones when you are suffering
from TPD. A steady stream of
annual income will be provided
for 10 years, which will be
doubled if TPD is caused by an
accident.
Widen Your
Protection
with Optional Riders
PRUlife partner allows you to
further enhance your protection
with optional riders such as
Critical Illness riders and payor
riders for further peace of mind.
A sample illustration of how Lifestage Multiplier
in PRUlife partner works
Conceiving
a child
Acquiring
a home
Review policy
after every 3
policy years
Conceiving RM500k
a child
LA1: RM300k
Inforce RM450k LA2: RM200k
Sum Graduation
Assured LA1: RM270k
RM400k LA2: RM180k +20%
LA1: RM240k
RM350k LA2: RM160k +20%
LA1: RM210k
RM300k LA2: RM140k +20%
RM250k
LA1: RM180k
LA1: RM150k +20%
LA2: RM120k
LA2: RM100k
+20%

Policy starts Policy year

(LA=Life Assured)

PRUlife partner evolves and grows with you and your spouse. It celebrates both your achievements
in life through the Lifestage Multiplier, which provides both lives guaranteed increases of 20% of the
Initial Basic Sum Assured3, without medical and financial underwriting, subject to an additional
premium.

The option to increase the Initial Basic Sum Assured is applicable upon achieving certain lifestage
milestones, such as graduation, marriage, acquiring a property, conceiving or legally adopting a
child, or upon every 3 policy years, for a maximum of 5 times per policy.

PRUlife partner brings the best value for money through a 10% spouse discount on premium and
insurance charges of the Basic Benefit for you and your partner in this dual-life policy. Both of you
will also enjoy an additional 10% large sum assured discount on premium and insurance charges of
the Basic Benefit when the combined Inforce Sum Assured (for death benefit) of the policy is
RM250,000 or more.
3
Maximum increase of sum assured per Life Assured, per event, per year for each policy is capped at RM100,000
for Death Benefit, Total and Permanent Disability (TPD) Benefit, Accidental Death and Disability Benefit
(ADDB), except for Disability Income Benefit which is capped at a maximum of RM5,000. This option needs to
be exercised before the Policy Anniversary date of age 60 next birthday of the Life Assured. An additional
premium will be charged for the increased sum assured. This benefit ceases for the Life Assured concerned
when he/she is suffering from Critical Illness or TPD, and will be revoked for the policy if any payor rider is
triggered.
All About PRUlife partner

1) What is PRUlife partner?

PRUlife partner is a limited term investment-linked plan which covers Total and Permanent
Disability (TPD) before the Policy Anniversary Date of age 70 next birthday, and death of the Life
Assured. It offers dual-life coverage that allows you at any point of time during the policy term, to
include and cover your spouse4 together in one investment-linked policy.

2)How does the coverage work under PRUlife partner?

i. Death Benefit
Upon death, we will pay the higher of:
a) 100% of the Inforce Sum Assured for Death Benefit5; or
b) The proportioned value of units in the Basic Unit Account (BUA) for the Life Assured concerned6.
If the death is caused by an accident before the Policy Anniversary Date of age 70 next birthday of
the Life Assured concerned, another 100% of the Inforce Sum Assured for Accidental Death and
Disability Benefit (ADDB)7 will be payable on top of the payout above.
Besides that, all remaining policy values (if any) shall also be payable upon death event. For a
dual-life policy, this shall be payable upon death of the surviving spouse.
ii. Total and Permanent Disability (TPD) Benefit
Upon TPD before the Policy Anniversary Date of age 70 next birthday of the Life Assured
concerned, we will pay the higher of:
a) 100% of the Inforce Sum Assured for TPD Benefit5; or
b) The proportioned value of units in the Basic Unit Account (BUA) for the Life Assured concerned6.
If the TPD is caused by an accident, another 100% of the Inforce Sum Assured for ADDB7 will be
payable on top of the payout above. Please refer to the Product Disclosure Sheet and Sales
Illustration for the definitions of TPD.
iii. Disability Income Benefit
Upon TPD of the Life Assured concerned (occurring before the Policy Anniversary Date of age
70 next birthday), we will pay Disability Income Benefit for the next 10 years which shall be
equivalent to 5% of the Inforce Sum Assured for ADDB7. If the TPD is caused by an accident,
the benefit amount will be doubled. Please refer to the Product Disclosure Sheet and Sales
Illustration for the definitions of TPD.
4
Second Life Assured needs to be fully underwritten during endorsement of policy.
5
Inforce Sum Assured for Death/TPD Benefit of the Life Assured concerned refers to total sum assured, taking
into account the Initial Basic Sum Assured for Death/TPD Benefit and any increase of sum assured from
exercising the Lifestage Multiplier. However, it is also affected by any endorsement made for Basic Benefit’s sum
assured, any payment made for accelerated benefits such as TPD and/or Crisis Shield, and any adjustment of
sum assured due to withdrawal.
6
For a single life policy, proportioned value of units in the BUA will be 100% of the units value.
For a dual-life policy, proportioned value of units in the BUA for the Life Assured concerned upon death/TPD is
calculated as follows:
Inforce Sum Assured for Death/TPD Benefit of the Life Assured concerned
Value of units in the BUA X
Total Inforce Sum Assured for Death Benefit
7
Inforce Sum Assured for Accidental Death and Disability Benefit (ADDB) of the Life Assured concerned refers
to total sum assured, taking into account the Initial Basic Sum Assured for Death/TPD Benefit and any increase
of sum assured from exercising the Lifestage Multiplier. However, it is also affected by any endorsement made
for Basic Benefit’s sum assured and any adjustment of sum assured due to withdrawal.
All About PRUlife partner

3)What will happen to the policy after either one of the Lives Assured makes a
death claim?

The policy continues to cover the surviving spouse. Future premiums will be paid on behalf by
Prudential if the Special Payor Rider (optional benefit) is attached, else all premiums and insurance
charges will continue to be chargeable based on the coverage of the surviving spouse.

4)What is Lifestage Multiplier?

Lifestage Multiplier provides an additional 20% of the Initial Basic Sum Assured on Guaranteed
Issuance Offer basis with no medical and financial underwriting, subject to an additional premium,
for a maximum of 5 times throughout the policy term. It is applicable:
a) Upon achieving lifestage milestones, which include graduation, marriage, acquiring a property,
conceiving or legally adopting a child; or
b) At fixed intervals of every 3 policy years from policy commencement date.

Lifestage Multiplier is applicable to both single life and dual-life policy. In a dual-life policy, the
incremental percentage can be applied to both lives when either spouse attains the milestone.

5) What is spouse discount?

Spouse discount is only applicable to dual-life policy and offers a 10% discount on the Basic
Benefit premium and insurance charges of both Lives Assured.

6)What is large sum assured discount?

Large sum assured discount is applicable to both single life and dual-life policy and offers a 10%
discount on the Basic Benefit premium and insurance charges when the combined Inforce Sum
Assured (for death benefit) of the policy is at least RM250,000.

7) What is No-Lapse Guarantee?

No-Lapse Guarantee ensures continuity of your policy even when the value of units in the Basic
Unit Account (BUA) falls below zero. No-Lapse Guarantee will be revoked upon non-payment of
premium or partial withdrawal from the BUA.

8) What is Special Payor rider?

Special Payor rider is an optional benefit that pays the premium on your behalf if either one of the
Lives Assureds are either diagnosed with any one of the 36 Critical Illnesses, suffers from TPD or
has died. This rider is only applicable to dual-life policy and must be attached to both Lives
Assured once it is selected.

Note: In a single life policy, Enhanced PRUpayor rider may be attached.

9) Who can take up this plan?

PRUlife partner is available to anyone aged between 19 to 50 years old on their next birthday.

Entry Age Expiry Age (Next Birthday)

(Next Birthday) 60 70 80
Min 19 19 19
Max 40 50 50

At maturity or upon surrendering, we will pay you the value of units in your policy.

10) How much regular premium do I have to pay?

The total premium that you have to pay may vary depending on our underwriting requirements.
The premiums are payable throughout the duration of the plan up to the chosen expiry age.

11) How will my regular premium be invested?

We will automatically balance-up your investment portfolio for your convenience according to
your preferred policy term. At policy inception, the premium will be invested in PRUlink equity
income fund and PRUlink bond fund according to the asset mix as shown below.

Remaining Term (years) of PRUlink equity PRUlink

Premium Payment Period, X income fund (%) bond fund (%)
X > 45 70% 30%
40 < X ≤ 45 65% 35%
35 < X ≤ 40 60% 40%
30 < X ≤ 35 55% 45%
25 < X ≤ 30 50% 50%
20 < X ≤ 25 45% 55%
15 < X ≤ 20 40% 60%
10 < X ≤ 15 35% 65%
5 < X ≤ 10 30% 70%
0<X≤5 25% 75%

We reserve the right to change the asset mix in the table above and/or perform switching
between series of PRUlink funds, at any time in our sole and absolute discretion, by giving you
written notice at least 3 months before the change is to take place. For more information on the
funds, please refer to the PRUlink equity income and PRUlink bond Fund Fact Sheet. You can
track the performance of your funds by checking the unit prices published daily on our website
at www.prudential.com.my.
All About PRUlife partner

12) What are the waiting periods that I should be aware of?

There is no waiting period for the basic coverage under PRUlife partner8. However, the
Lifestage Multiplier can only be exercised one year after the commencement date of the Basic
Benefit.

For riders that provide Critical Illness coverage, such as Crisis Shield, Crisis Defender and payor
riders, no benefit shall be payable in respect of any Critical Illness if the symptoms have
manifested prior to or:
a) within sixty (60) days for Heart Attack, Coronary Artery By-Pass Surgery, Cancer or Serious
Coronary Artery Disease; or
b) within thirty (30) days for all other Critical Illnesses.

13) What are the charges involved?

Type Details
A monthly insurance charge is levied depending
Insurance Charges on your age next birthday, gender, smoking
status, occupation class, types of benefits, medical
and physical conditions.
PRUlink equity income fund: Maximum 1.5% per
Fund Management annum of the fund assets
Charge PRUlink bond fund: Maximum 0.5% per annum
of the fund assets
RM6 per month for payment by cash or cheque.
Service Charge RM5 per month for credit card or auto debit.
Subject to taxes (if any)
Top-Up Fee Top-up fee is RM25 and subject to taxes (if any)

8
We shall not pay the Death Benefit for the Life Assured concerned if his/her death is caused by suicide within
one year of the commencement date of his/her Death Benefit or any date on which the policy is revived,
whichever is later. Instead, we shall pay the value of units at the valuation date after the date we receive the
notice of claim including the documents and information required.
Important Notes

• PRUlife partner is not a Shariah-compliant product.

• This brochure is for illustrative purposes only. You are advised to refer to Prudential’s Product
Disclosure Sheet and Sales Illustration before purchasing the plan, and to refer to the terms and
conditions in the policy document for details of the important features of the plan.
• You should assess the affordability and suitability of the product (including optional benefits) in
relation to your financial goals and risk appetite. To achieve this, we recommend that you speak
to your agent or Wealth Planner who will perform a needs analysis and assist you in making an
informed decision.
• There is a free-look period of 15 days after the delivery of your policy to allow you to review it if
it meets your needs. If the policy is cancelled within this period, we will refund you the value of
unit (at next pricing date) plus the premiums that are not invested, insurance charges, service
charge, processing charge (if any), taxes (if any) that we have deducted, less medical expenses
that we may have already paid or agreed to pay. Additionally, if top-ups are done, 5% of the
unallocated premium will be refunded. Top-ups do not incur any insurance charges.
• Premium rates and insurance charges for the Basic Benefit of this plan are guaranteed. Premium
rates and insurance charges for other add-on benefits are not guaranteed. We reserve the right
to revise these non-guaranteed premium rates and insurance charges at policy anniversary by
giving you at least 90 days prior notice. If we increase the insurance charge after the premium
payment term, you may need to pay an additional premium or top-ups.
• Non-payment of premiums may cause this policy to lapse. Should you stop paying premiums,
the policy may continue for as long as there are sufficient units in the respective accounts.
Therefore, depending on the amount of units available in these selected accounts, benefits of
the plan may lapse and cease to be in force at different points in time.
• If you cancel the policy in the early years, you may not be able to obtain the full value from the
amount you have paid to us. When you surrender the policy, all benefits in the policy will be
terminated.
• Prudential Assurance Malaysia Berhad (PAMB) is an insurance company licensed under the
Financial Services Act 2013 and is regulated by Bank Negara Malaysia.

PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE

PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT
PRODUCT SUCH AS UNIT TRUSTS.

Prudential Assurance Malaysia Berhad

Member of PIDM
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 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 PIDM website (www.pidm.gov.my) or call PIDM toll free line (1-800-88-1266).
Prudential Assurance Malaysia Berhad (107655-U)
Menara Prudential, 10 Jalan Sultan Ismail,
50250 Kuala Lumpur, Malaysia.
Tel: 03-2116 0228 Faks: 03-2032 3939
07/2018

Email: customer.mys@prudential.com.my
www.prudential.com.my