Sunday, January 20, 2008
PRULINK ASSURANCE by PRUDENTIAL
What do I get?
The PRUlink assurance plan is a customisable investment-linked plan that gives you:
- Protection: The basic plan covers you for Death and Total and Permanent Disability, and comes with a host of optional add-ons that you can custom build onto the plan.
- Savings: A portion of your premiums will be invested into your choice of six PRUlink equity, bond or managed funds – all tailored to ensure best possible returns on your savings and long-term financial objectives. You choose the fund that best suits your risk appetite.
- Flexibility & control: Vary the amount of insurance protection for death and disability without affecting your premium. Switch your investment between PRUlink funds at any time, for a small fee. Your first switch a year is FREE. Top up your investment with lump sum payments at any time. Or, make withdrawals or cash out your policy at any time.
- Additional investment opportunities: You can also add on an optional PRUsaver rider, which lets you invest more of your money into any of the six PRUlink funds.
Increase your protection when you add any of these optional riders onto your basic PRUlink assurance plan:
- Crisis Shield and Crisis Cover Benefit: provides protection against a critical illness.
- Accidental Death and Disablement, Accidental Medical Reimbursement: supplementary accident protection.
- PRUmajor med 3, PRUmed, Hospital Benefit: helps relieve the financial strain of hospitalisation stays and surgery.
- Weekly Indemnity: supplements your weekly income while you’re unable to work temporarily.
- Crisis Cover Income, PRUdisability provider: annual payments made upon diagnosis of critical illness and in the event of TPD, respectively.
- Premium waiver or payor: waives premiums or pays for your plan in the event of a critical illness or TPD.
How much do I pay?
The premium for the PRUlink assurance plan depends on how much protection you need, and how much you can afford.
To determine your protection needs, you need to decide on how much basic cover you require (Death and Total and Permanent Disability) and if you wish to add on any of the optional riders offered under this plan.
Then, decide on an affordable amount you can set aside.
Your premiums can start from as low as RM1,800 per year – which translates to RM150 per month or RM5 a day.
Who can sign up?
This plan is offered to anyone between 18 and 60 years old.
If you have a child under 18 years old, you may want to sign him/her up for the PRUlink education plan.
To find out more
You can contact your Prudential representative for details on this plan and to obtain a free consultation on your insurance needs.
Alternatively, you can call us at 012-938 8924 and we will assign a representative to contact you.
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