PRUcash premier

Specially prepared for:

razali

Prepared by: razali

Prudential Assurance Malaysia Berhad (PAMB) is a licensed insurance company and is regulated by Bank Negara Malaysia (BNM).

Product Disclosure Sheet for

PRUcash premier

Please read this Product Disclosure Sheet before you decide to take out the PRUcash premier. Be sure to also read the general terms and
conditions. The information provided in this disclosure sheet is valid as at 18/11/2015.

1. What is this product about?

PRUcash premier is an anticipated endowment plan that participates immediately in profits. This policy offers a combination of protection and savings
for 15 years. It pays a lump sum benefit either at maturity of the policy, upon death or upon the occurrence of total and permanent disability before age
60 during the term of the policy, whichever is earlier.
2. What are the covers/benefits provided?
Duration: Term of the contract 15 years
This policy provides:
Death Benefits*:

RM115,000

Total & Permanent Disability Benefit*:

Lump sum
Accident Benefit:
Death (accidental)

RM115,000

Waiver Benefit:
Waiver on life assured's life
Waiver on parent's life
Waiver on spouse's life

NA
NA
NA

NA

*May differ if the duration of the term riders is different from the basic plan's.

Reminder: Please refer to the sales illustration for more information about the benefits of the basic plan and its riders.
It is important to select a plan that suits your financial goals.
3. How much premium do I have to pay?
The total premium that you pay and the policy terms may vary depending on the underwriting requirements of the insurance company.
The estimated premium that you have to pay is RM3,175.65 annually. This estimated premium is inclusive of GST, if applicable.
You are required to pay the premium for 10 years. Please refer to Sales Illustration for details of premiums payable during the policy term.
You are given one month's grace period after the due date for the payment of premium.
The premium above is applicable to standard risks only. Premium rates for basic coverage for death / TPD are guaranteed. However, the Company
reserves the right to revise premium rates for other benefits at policy anniversary by giving 90-day prior notice.
4. What are the fees, charges and taxes I have to pay?
A surrender charge will be levied if you surrender the policy before the end of the policy term.
Goods and Services Tax (GST) at 6% or the prevailing rate charged on any of the premiums, charges or other payments due and payable under this
policy, where applicable. Please refer to the Sales Illustrations for implications of GST.

The 36 critical illnesses covered are AIDS due to Blood Transfusion, Alzheimer's Disease, APALLIC Syndrome, Aplastic Anaemia, Bacteria
Meningitis, Benign Brain Tumor, Blindness, Brain Surgery, Cancer, Chronic Liver Disease, Chronic Lung Disease, Coma, Coronary Arteri
Disease Requiring Surgery, Deafness, Encephalitis, Full Blown AIDS, Fulminant Viral Hepatitis, Heart Attack, Heart Valve Replacement, Kidney
Failure, Loss of Limbs, Loss of Speech, Major Burns, Major Head Trauma, Major Organ Transplant, Motor Neurone Disease, Multiple Sclerosis,
Muscular Dystrophy, Other Serious Coronary Artery Disease, Paralysis, Parkinson's Disease, Poliomyelitis, Primary Pulmonary Arterial
Hypertension, Stroke, Surgery to the Aorta and Terminal Illness.

5. What are some of the key terms and conditions that I should be aware of?
General
Importance of disclosure - when answering any question asked by us, you must disclose all relevant facts such as medical condition and state
your age correctly. If the insurance policy is intended wholly for your personal purposes, you must take reasonable care to disclose any facts
that you know to be relevant to us and not to mislead us.
Your above duty of disclosure continues until the policy is issued.
Free-look period - you may cancel your policy by returning the policy within 15 days after the policy has been delivered to you. The premiums that
you have paid (less any medical fee incurred) will be refunded to you.
If you do not pay your premiums within the grace period, your policy may lapse. Please refer to your policy contract for provisions of reinstatement.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions under this policy.
6. What are the major exclusions under this policy?
If it is a suicide within the first year, all premiums paid (excluding GST, if any) will be returned without interest.
Total and permanent disability benefit is not payable if the disability is directly or indirectly caused by
(a) any attempted suicide or self-inflicted injury WHETHER attempted/inflicted while sane or insane; or
(b) any travelling in an aircraft other than as a pilot or a member of a crew or a fare paying passenger in a commercial aircraft licensed for
passenger service on scheduled flights over established routes only; or
(c) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such
similar activities
Please refer to the conditions for Death, Total and Permanent Disability in Appendix and policy contract for more details about the major exclusions
under this policy.
7. Can I cancel my policy?
Buying a life policy is a long-term financial commitment. If you do not pay your premiums within the grace period, your policy may lapse. If your
policy comes with cash value, the amount that the insurance company will pay you when you cancel the policy before the maturity period will be
lesser than the total amount of premium that you have paid. You may cancel your policy by giving a written notice to the insurance company.
8. What do I need to do if there are changes to my contact details?
It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.
9. Where can I get further information?
Should you require additional information about life insurance and medical & health insurance, please refer to the insuranceinfo booklet on Life
Insurance and Medical & Health Insurance, available at all our branches or you can obtain a copy from the insurance agent or visit www.
insuranceinfo.com.my. If you have any enquiries, please contact us at:
Prudential Assurance Malaysia Berhad
Menara Prudential, 10 Jalan Sultan Ismail,
50250 Kuala Lumpur, Malaysia.
Tel: 03-2031 8228 Fax: 03-2032 3939
E-mail: customer.mys@prudential.com
IMPORTANT NOTE:
BUYING LIFE INSURANCE POLICY IS A LONG-TERM FINANCIAL COMMITMENT. YOU MUST CHOOSE THE TYPE OF POLICY THAT BEST
SUITS YOUR PERSONAL CIRCUMSTANCES. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE
AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION. IT IS IMPORTANT THAT ANY RECEIPT THAT YOU
RECEIVE SHOULD BE KEPT AS PROOF OF PAYMENT OF PREMIUMS.

PRUDENTIAL ASSURANCE MALAYSIA BERHAD

PAR SALES ILLUSTRATION

PRUcash premier Quotation For

Life Assured's Details
Life Assured

: razali

Product

: PRUcash premier

Plan Type

: Traditional Participating
: RM 3,175.65

Age Next Birthday

: 23

Premiums

Sex

: Male

Payment Frequency : Yearly

Smoking Status

: No

Payment Mode

: Cash / Cheque

Occupation Class

: Class 1

Option 2

: Accumulate the Survival

Benefit

Details Of Plan
Name of Plan

Coverage Term (Years)

Sum Assured (RM)

Premium (RM)

Participating Policy
Basic:

PRUcash premier

15

15,000.00

2,788.65

PRUterm

15

100,000.00

387.00

Non-Participation Policy
Basic:

Total Premium

Premium Payable by Cash / Cheque

First 10 years

Yearly(RM)
3,175.65

Half-yearly(RM)
1,603.20

3,175.65

Quarterly(RM)
818.05

Monthly(RM)
279.40

Note: Some products may be subject to Goods and Services Tax (GST). Where * is indicated beside the product's name, that product shall be subject to
GST and premiums shown for that product is inclusive of GST.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 1 of 11

PRUcash premier Quotation For

Main Life name:

razali

Notes:
Plan Type

PRUcash premier Participating Policy

Term

15 years

Survival Benefit

RM 600 every year before maturity starting from the end of the 10th policy year

Description

i.

PRUcash premier is an anticipated endowment with profits policy which pays a guaranteed cash payment of 4% of sum assured
every year before maturity starting from the end of the 10th policy year and 100% of the sum assured plus bonuses on maturity
or total & permanent disability before age 60 or upon death.

ii. This policy participates in the surplus of the participating life fund from the inception of the policy. These surpluses are added in
the form of bonuses which may be of the Reversionary or Terminal bonus type.
iii. Since Reversionary Bonus and Terminal Bonus may vary depending on Company's investment and operation performance, the
illustrations show the possible level of benefits you may expect on two investment scenarios:
1. Scenario A = Assumes the participating fund earns 7% every year and the current operating experience of the Company
continues
2. Scenario B = Assumes the participating fund earns 5% every year and the current operating experience of the Company
continues
Guaranteed = Minimum you will receive regardless of the Company investment performance.
iv. The bonus rates are greatly influenced by the capital appreciation of assets together with operating results and overall investment
return experienced by the Company. Bonuses will only be paid if the net returns earned by the Company support such bonuses.
v. The actual bonuses payable are NOT GUARANTEED and may be higher or lower than illustrated. The Company retains full
rights and discretion in determining bonuses.
vi. All bonuses that are illustrated in this quotation are assumed. The bonuses included in the illustration have not been declared in
the past.
vii. These bonuses are included based on the Company's expectations of future operating results and the investment rate
assumption shown above.
Please see appendix for brief description of the plans and its conditions.
Note:
This illustration in the following page shows the combined projections of the participating and non-participating policies.
Please refer to the individual illustrations for more information.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 2 of 11

PRUcash premier Quotation For

Main Life name:
razali

Illustration of Total Benefits Participating and Non Participating Policy

Guaranteed (SET A )
(A)
Year Age Premium
Paid at
Beg. of
Year
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

24
25
26
27
28
29
30
31
32
33
34
35
36
37
38

3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
0.00
0.00
0.00
0.00
0.00

(B)
Survival
Benefit

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
600.00
600.00
600.00
600.00
600.00
0.00

(C)
Surrender
Value

0
587
2,712
3,872
5,098
7,191
8,728
10,348
12,053
13,844
13,798
13,743
13,677
13,596
15,000

Continue ----->
Non Guaranteed (SET B)

(D)
Death
Benefit

115,000
115,000
115,000
115,000
115,000
115,000
115,000
115,000
115,000
115,000
115,000
115,000
115,000
115,000
115,000

(F) = (A) + (E)

(E)
(G)
(H) = (C) + (G) + (L)
Premium Total Premium Accumulated
Total Surrender Value
Paid at Paid at Beg. of
Survival
Year
Beg. of
Benefit
Year
@5%*
Scenario A Scenario B
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
3,175.65
0.00
0.00
0.00
0.00
0.00

0
0
0
0
0
0
0
0
0
600
1,230
1,891
2,586
3,315
3,481

909
1,119
4,026
5,820
8,433
11,547
14,694
19,964
24,007
28,858
33,036
34,808
36,674
38,634
40,390

903
1,100
3,521
5,627
8,097
11,000
13,885
18,721
22,319
26,639
30,189
31,263
32,376
33,525
34,353

(I) = (D) + (G) + (M) - (B)

Total Death Benefit
Scenario A
115,975
116,950
117,925
118,900
119,875
120,850
121,825
122,800
123,969
127,933
132,223
134,112
136,100
138,191
140,390

Scenario B
115,600
116,200
116,800
117,400
118,000
118,600
119,200
119,800
122,172
125,604
129,270
130,467
131,712
133,007
134,353

Note: Premiums shown and/or referenced to in the illustration above are exclusive of Goods & Services Tax (GST), if any.
Maturity Benefit
Scenario A (7%)
Estimated Maturity Benefit = Basic Sum Assured + Total Accumulated Survival Benefit + Total Attaching Reversionary Bonus
+ Terminal Bonus on Maturity
= RM15,000 +RM3,481 +RM14,625 +RM7,284
= RM40,390

Scenario B (5%)
Estimated Maturity Benefit = Basic Sum Assured + Total Accumulated Survival Benefit + Total Attaching Reversionary Bonus
+ Terminal Bonus on Maturity
= RM15,000 +RM3,481 +RM9,000 +RM6,872
= RM34,353
* The interest rate is determined by the Company from time to time.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 3 of 11

PRUcash premier Quotation For

Main Life name:

razali

Illustration of Total Benefits & Charges

Non Guaranteed (Set B)

Year

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

Age

24
25
26
27
28
29
30
31
32
33
34
35
36
37
38

(J)
Simple Reversionary
Bonus

(K)
Terminal Bonus on
Death

Scenario A Scenario B

Scenario A Scenario B

975
1,950
2,925
3,900
4,875
5,850
6,825
7,800
8,775
9,750
10,725
11,700
12,675
13,650
14,625

600
1,200
1,800
2,400
3,000
3,600
4,200
4,800
5,400
6,000
6,600
7,200
7,800
8,400
9,000

0
0
0
0
0
0
0
0
194
3,183
5,868
6,121
6,439
6,825
7,284

0
0
0
0
0
0
0
0
1,772
4,604
7,040
6,975
6,926
6,892
6,872

Direct Distribution Cost*

(L)
Simple Reversionary
Bonus and Terminal
Bonus on Surrender
Scenario A
909
531
1,313
1,947
3,334
4,355
5,965
9,616
11,954
14,413
18,007
19,173
20,410
21,722
21,909

(M) = (J) + (K)

Simple Reversionary
Bonus and Terminal
Bonus on Death

Scenario B

Scenario A

Scenario B

Percentage
of Total
Premium
(%)

903
512
808
1,754
2,998
3,808
5,157
8,373
10,266
12,195
15,160
15,628
16,112
16,614
15,872

975
1,950
2,925
3,900
4,875
5,850
6,825
7,800
8,969
12,933
16,593
17,821
19,114
20,475
21,909

600
1,200
1,800
2,400
3,000
3,600
4,200
4,800
7,172
10,604
13,640
14,175
14,726
15,292
15,872

27.50
17.50
10.50
10.00
5.00
5.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Actual
Amount
(RM)

873.30
555.74
333.44
317.57
158.78
158.78
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Note: Premiums shown and/or referenced to in the illustration above are exclusive of Goods & Services Tax (GST), if any.
* Cost directly attributable to the distribution channel for the sale/marketing of this policy, i.e. payments to agent/wealth planner. This cost is borne by you
and paid from your premium for services that the agent/weath planner will provide to you for the duration of your policy. The agent/wealth planner may be
entitled to production bonus and persistency bonus during the first three years of the policy provided that the agent/wealth planner meets the qualifying
criteria set by the insurer.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 4 of 11

PRUcash premier Quotation For

Main Life name:
razali

Illustration of Benefits for Participating Policy

Guaranteed (SET A )
(a)
Year Age Premium
Paid at
Beg. of
Year

(b)
Survival
Benefit

(c)
Surrender
Value

Non Guaranteed (SET B)

(d)
Death
Benefit

(f) = (a) + (e)

(e)
(g)
(h) = (c) + (g) + (L)
Premium Total Premium Accumulated
Total Surrender Value
Paid at Paid at Beg. of
Survival
Year
Beg. of
Benefit
Year
@5%*
Scenario A Scenario B

1 24
2,788.65
0.00
0
15,000
0.00
2,788.65
0
909
903
2 25
2,788.65
0.00
587
15,000
0.00
2,788.65
0
1,119
1,100
3 26
2,788.65
0.00
2,607
15,000
0.00
2,788.65
0
3,921
3,416
4 27
2,788.65
0.00
3,703
15,000
0.00
2,788.65
0
5,650
5,457
5 28
2,788.65
0.00
4,856
15,000
0.00
2,788.65
0
8,191
7,855
6 29
2,788.65
0.00
6,828
15,000
0.00
2,788.65
0
11,184
10,636
7 30
2,788.65
0.00
8,264
15,000
0.00
2,788.65
0
14,230
13,422
8 31
2,788.65
0.00
9,775
15,000
0.00
2,788.65
0
19,391
18,148
9 32
2,788.65
0.00
11,365
15,000
0.00
2,788.65
0
23,319
21,632
10 33
2,788.65
600.00
13,037
15,000
0.00
2,788.65
600
28,050
25,832
11 34
0.00
600.00
13,120
15,000
0.00
0.00
1,230
32,357
29,511
12 35
0.00
600.00
13,208
15,000
0.00
0.00
1,891
34,273
30,727
13 36
0.00
600.00
13,300
15,000
0.00
0.00
2,586
36,297
31,999
14 37
0.00
600.00
13,397
15,000
0.00
0.00
3,315
38,435
33,326
15 38
0.00
0.00
15,000
15,000
0.00
0.00
3,481
40,390
34,353
Note: Premiums shown and/or referenced to in the illustration above are exclusive of Goods & Services Tax (GST), if any.

(i) = (d) + (g) + (M) - (b)

Total Death Benefit
Scenario A
15,975
16,950
17,925
18,900
19,875
20,850
21,825
22,800
23,969
27,933
32,223
34,112
36,100
38,190
40,390

Scenario B
15,600
16,200
16,800
17,400
18,000
18,600
19,200
19,800
22,172
25,604
29,270
30,466
31,712
33,007
34,353

* The interest rate is determined by the Company from time to time.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 5 of 11

PRUcash premier Quotation For

Main Life name:

razali

Illustration of Benefits for Non Participating Policy

Guaranteed (Set A)

Year

(a)
Premium Paid at Beg.
of Year

Age

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

24
25
26
27
28
29
30
31
32
33
34
35
36
37
38

(b)
Surrender Value *

387.00
387.00
387.00
387.00
387.00
387.00
387.00
387.00
387.00
387.00
0.00
0.00
0.00
0.00
0.00

Non Guaranteed (SET B)

(c)
Death Benefit

0
0
104
169
242
363
463
572
687
807
678
535
376
198
0

(d)
Premium Paid at Beg.
of Year

100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

(e) = (a) + (d)

Total Premium Paid at
Beg. of Year

387.00
387.00
387.00
387.00
387.00
387.00
387.00
387.00
387.00
387.00
0.00
0.00
0.00
0.00
0.00

Note: Premiums shown and/or referenced to in the illustration above are exclusive of Goods & Services Tax (GST), if any.
Surrender Charge **
Year

Surrender
Charge (RM)

Year

Surrender
Charge (RM)

Year

Surrender
Charge (RM)

1
2
3
4
5

0
0
26
42
61

6
7
8
9
10

40
51
64
76
90

11
12
13
14
15

75
59
42
22
0

* Surrender value illustrated above is net of surrender charge

** Please refer to Important Notes on page 7 for more information.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4

Page 6 of 11

PRUcash premier Quotation For

Main Life name:

razali

Important Notes:
Benefits will never be less and premiums (excluding GST, if any) will never be more than those in Set A.
Set B illustrates the benefits and premiums payable if current practices and experience continue
Policyholders are able to choose to leave the guaranteed survival benefit with the Company to be accumulated at an interest rate which may
vary from time to time at the discretion of the Company. The current interest rate is 5% p.a.
Reversionary and Terminal Bonuses, which may be more or less than illustrated, are NOT GUARANTEED and will depend on the operating
and investment results experienced by the Company.
In this quotation, the following assumptions are used:
(i) Simple Reversionary Bonus, which is RM65 per RM1,000 Sum Assured for Scenario A and RM40 per RM1,000 Sum Assured for
Scenario B, is vested from the first policy anniversary onwards. The bonus, which is based on current product design and expected future
experience of the Company, will only be paid if the net return earned by the Company enable it to pay such bonus and the quantum
may be more or less than illustrated.
(ii) Terminal Bonus, which is based on the current product design and expected future experience of the Company, will only be paid if
the net returns earned by the Company enable it to pay such bonus and the quantum may be more or less illustrated. This is a
non-guaranteed bonus which is payable when your policy ends - upon death, maturity or if you choose to surrender your policy. The
terminal bonus is usually designed to give policyholders a fair share of the past operating and investment results experienced by the
Company, and this can make up a significant portion of the final payout.
Past actual performance is not a guide to future performance which may be different.
The companys actual investment experience for the past 5 years is as follows:

Year
Actual Performance

2010
9.64%

2011
5.94%

2012
7.45%

2013
6.60%

2014
5.06%

After your plan has acquired a cash value and if you are unable to pay premiums, the Company will automatically advance premium on the
security of the cash value under the Automatic Premium Loan Scheme. You will continue to enjoy the benefits under the plan until the premium
loan plus interest is greater than the cash value.
If you decide to terminate your plan early, the cash value you receive may be less than the amount of premiums that you have paid.
A surrender charge (% of gross surrender value) will be levied upon surrendering the policy. It is illustrated as follows:Policy Year
Surrender Charge

1-2
70%

3-5
20%

6 & above
10%

Maturity
n/a

You should check that the plan meets your needs and that you can afford to pay the premiums throughout the premium payment period of
the plan.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4
Page 7 of 11

PRUcash premier Quotation For

Main Life name:

razali

Notes:

Definition of a Participating Policy

A participating policy enables you to share in the profits of a life insurance Company. Profits that are allocated to the participating policyholders are
usually in the form of reversionary bonuses or cash bonuses/dividends. The actual payment of these bonuses or dividends are not guaranteed and can
increase or decrease depending on the operating and investment result experienced by the Company.
Types of bonuses payable on the policy
i) Reversionary Bonus
This is a non-guaranteed bonus which is allocated and added to the Face Amount of the participating policy, usually on an annual basis. Once allocated,
their values are guaranteed provided the policyholder continues to pay the premium as defined in policy contract. In addition to the Face Amount, these
bonuses are payable upon maturity of the policy, or on earlier death of the life assured. Nevertheless, if the policyholder chooses to surrender the policy,
the policyholder may not receive the full amount of the allocated bonuses. The amount of the bonuses payable may be significantly lower compared to
those payable if the policyholder kept his policy until maturity, or on earlier death.
ii) Terminal Bonus
This is a non-guaranteed bonus which may be payable when your policy ends - upon death, maturity or if you choose to surrender your policy.The
terminal bonus is usually designed to give policyholders a fair share of the past operating and investment results experienced by the Company,and this
can make up a significant portion of the final payout.
Bonuses are determined (in general) as below:
These bonuses are not guaranteed, and they are determined by the Company based on the operating and investment results experienced. For example,
if the investments have performed well over the past year, the Company may be able to pay a higher bonus. If the investment have performed poorly, the
Company may pay a lower bonus, or it may not be able to pay a bonus at all.
The bonuses paid are "smoothed". This means that, in years where the Company has experienced good operating and investment results, they may hold
back some of the profits and use them to top up bonuses in poorer years. This is a feature unique to participating policies. This means that a Company
will try to even out the payout to policyholders when result have not been so favorable. However, smoothing does not give you complete protection
against poor results. If poor results continue over several years, the Company may have to reduce bonuses to reflect the poor results.
Your are advised to discuss with your life insurance agent or contact the company directly for more information on your participating policy.
Disclaimer
This document is intended for your general information only. It does not contain exhaustive information relating to the subject matter.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4
Page 8 of 11

PRUcash premier Quotation For

Main Life name:

razali

Brief Description Of The Plan

PAR Basic Plans
PRUcash premier is an anticipated endowment with profits policy which pays a guaranteed cash payment of 4% of sum assured every year before
maturity starting from the end of the 10th policy year and 100% of the sum assured plus bonuses on maturity or total & permanent disability before
age 60 or upon death. Please refer to the brochure for more details.
Term Assurance
PRUterm is a level term assurance which pays the sum assured on total & permanent disability before age 60 or death.
Notes:
PRUcash premier is not a Shariah-compliant product.

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4
Page 9 of 11

Conditions
Death
If it is a suicide within the first year, all premiums paid (excluding GST, if any) will be returned without interest.
Total and Permanent Disability
In the event of total and permanent disability before age 60, one lump sum payable under all policies with the Company on any one life is up to
RM1 million. Any excess will be paid on the anniversary of the disability subject to proof of continued disability. Upon earlier death, the balance
shall be payable.
Total and permanent disability shall mean:
- while below the age of sixteen (16) years, suffers an accident or illness / sickness and as a direct result of such accident or illness/sickness that
(a) requires constant care and attention; and
(b) is confined to his home under medical supervision or in a hospital or similar institution
- while aged sixteen (16) years but below the age of sixty-one (61) years
(a) becomes permanently and completely unable to engage in any occupation and is permanently and completely unable to perform any work for
remuneration or profit; or
(b) totally and irrecoverably loses sight in both eyes; or
(c) totally and irrecoverably loses by severance one limb each at or above his wrist and ankle, or two limbs at or above his wrist or ankle; or
(d) totally and irrecoverably loses sight in one eye and totally and irrecoverably loses by severance one limb at or above the wrist or ankle.

Disability must be permanent and must last for a minimum period of 6 consecutive months.
No benefit is paid if the disability is directly or indirectly caused by
(a) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or
(b) any traveling in an aircraft other than as a pilot or a member of a crew or a fare paying passenger in a commercial aircraft licensed for
passenger service on scheduled flights over established routes only; or
(c) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such
similar activities
Diagnosis Of A Critical Illness Benefit
A total of 36 critical illnesses are covered under the Crisis Cover products
Heart attack, Coronary artery disease requiring surgery, Stroke, Cancer, Kidney failure, Paralysis, Major organ transplantation, Multiple sclerosis,
Fulminant viral hepatitis, Primary pulmonary arterial hypertension, Coma, Blindness, Heart valve replacement, Surgery to the aorta,
Alzheimer's disease, Deafness, Loss of speech, Major burns, Terminal illness, AIDS due to blood transfusion, Motor neurone disease,
Parkinson's disease, Chronic liver disease, Chronic lungdisease, Aplastic anaemia, Muscular dystrophy, Poliomyelitis, Bacteria meningitis,
Benign brain tumor, Encephalitis, Full blown AIDS, Other serious coronary artery disease, Brain surgery, APALLIC syndrome, Major head trauma,
Loss of limbs.
Critical illness benefit is not paid if
(a) symptoms of illness occur prior to or within 30 days after the policy has commenced, except for Cancer, Heart Attack, Coronary
Artery Heart Disease Requiring Surgery or Other Serious Coronary Artery Heart Disease in which a 60-day waiting period applies.
(b) symptoms of illness occur prior to or within 30 days after the policy has commenced for other illnesses beside the above.
(c) illness is directly or indirectly caused by the existence of AIDS or the presence of any HIV infection, except for "AIDS due to blood transfusion"
and "Full blown AIDS".

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4
Page 10 of 11

PRUcash premier Quotation For

Main Life Name:

razali

Discounted Advance Premium in One Lump Sum

Policy Term

Premium Payment Term

First Year Premium

Discounted Advance Premium in

One Lump Sum

15

10

RM3,175.65

RM27615.84

The first year premium (inclusive of Goods and Services Tax (GST), if any) for this policy is shown in the above table. Total amount of premium payable
for 10 years is RM31,756.5.
The Discounted Advance Premium (including GST, if any) payable in one lump sum for this policy is RM27615.84.
Upon payment of the lump sum Discounted Advance Premium and subject to the conditions below, Prudential Assurance Malaysia Berhad (PAMB) will
not bill you for any future premium during the premium advance period.
Terms & Conditions
The payment of the Discounted Advance Premium in one lump sum is subject to the following terms and conditions:The payment must be made in one lump sum and not in several post dated cheques. No credit card payment is allowed.
The amount of Discounted Advance Premium above is only applicable if the proposal is acceptable by us on standard rates. However, this quotation
will become invalid and a revised Discounted Advance Premium quotation may be issued if the First Year Premium shown in the table above is
subsequently changed due to any reasons whatsoever.
You are not permitted to withdraw part or whole of the monies remitted for advance premiums after one year from the policy anniversary/inception
when the Discounted Advance Premium was first applied. If you make a withdrawal during this one year period, the remaining balance of the
Discounted Advance Premium and its corresponding GST portion, if any, will be refunded to you, and after that, you will be required to pay the
remaining premiums (including GST, if any) for the above policy according to the terms in the policy document or any subsequent endorsement
(whichever is applicable).
Before the end of the Premium Payment Term, upon Total and Permanent Disability or death, the remaining balance of the Discounted Advance
Premium and its corresponding GST portion, if any, will be refunded to the claimant together with the sum assured and any vested bonus under the
policy.
Before the end of the Premium Payment Term, should you decide to surrender the policy, the remaining balance of the Discounted Advance Premium
and its corresponding GST portion, if any, will be refunded by PAMB to you together with the surrender value of your policy.
All premiums except for death and Total Permanent Disability and any GST amount payable are non-guaranteed and subject to change on a portfolio
basis or due to a change in the prevailing GST rate, at our discretion. The Discounted Advanced Premium that we have quoted for the above policy
will change if there is a revision of the non-guaranteed premiums, endorsement performed or a change in the prevailing GST rate which affects the
premium amount and/or GST amount payable. We will inform you if there is any revision of the non-guaranteed premiums or GST amount payable,
and if you are required to pay an additional amount to cater for the increase in premiums or GST amount payable. If you fail to pay this additional
amount within the time that we inform you, this Discounted Advanced Premium arrangement will be cancelled and treated as never having taken
effect. In such an instance, we shall calculate the amounts of discounts on premiums given and its corresponding GST portion, if any, and deduct this
amount from the remaining balance of the Discounted Advanced Premium. The balance after this deduction (if any) will be refunded to you, and after
that, you will be required to pay the remaining premiums (including GST, if any) for the above policy according to the terms in the policy document or
any subsequent endorsement (whichever is applicable).
This quotation is valid for 30 days from the date of this document.
Reply Slip: (To be completed by the Assured and returned to us)
I understand and agree with the above Terms & Conditions specified for payment of Discounted Advance Premium.
Please find my payment details as below:

* Payment Method (Please Circle):

Cash / Cheque

* Cheque Number:
* Amount Paid:
* Proposal Number:
* Indicates mandatory field.

Signature of Assured

Name of Assured:
Date:

Doc ID: 12301028

Presented by :
Date:
Version :

razali z1a00022
18 Nov, 2015
SQS - Agency ver 5.6.0.4
Page 11 of 11