PRUBiz Protect

Build a safe future for your family as you protect your business

Are you a young entrepreneur and businessperson?

Thinking about starting a family or setting up your own business? Are you currently dealing with more complex financial situations like household debt, mortgage and business debts or liabilities? What can you do to protect your loved ones and reduce their financial burden of repaying loans, business debts and liabilities of your business, should any unfortunate event happen to you?

With PRUBiz Protect, you can get protection with affordable premium from as low as RM120* per month. Through Protect Booster, you have the flexibility to choose your preferred protection amount and coverage term that corresponds with your short to medium term liabilities and commitments. PRUBiz Protect comes with the elements of insurance protection through accidental and payor riders. This insurance plan can also boost up your current safety net and give you the peace of mind that your loved ones are protected and there’s enough funds to keep the business going.

English Leaflet

Bahasa Malaysia Leaflet

Chinese Leaflet



From RM120* per month, enjoy RM500,000^ death coverage.

*Age 20, Male Non-Smoker, Occupation Class 1, Monthly Premium, Credit Card Payment. Policy Term of age 70 with auto extension#, 100% PRULink Managed Fund II.

^ PRUBiz Protect is packaged with Protect Booster rider for 20 years term.

# This product comes with an option to extend the term of basic plan and rider(s) (if applicable) up to the Policy Anniversary of Life Assured’s age 100 or the rider’s maximum coverage term, whichever is earlier. Unless you withdraw the consent, policy will be auto extended as long as it has sufficient value of units to be deducted to pay for the relevant charges, fees and taxes during the extended term. To ensure sufficient value of units, additional premium is likely required during the extended term.


Select from a coverage term of 5, 10, 20 or 30 years to match your short to medium term liabilities or financial commitment.


Enjoy up to 20% discount** on your PRUWith You and Protect Booster insurance charges if the combined coverage is RM100,000 and more.

** Discount on insurance charges applies when the aggregated sum assured of PRUWith You and Protect Booster coverage meets the minimum requirement during each period where insurance charges are deducted.


Rest assured that the insurance charges for Protect Booster will not change.

Product Details

Payment Term

Premium is payable throughout the coverage term

Coverage Term

20 years; or until policy anniversary of age 60, 70, 80, 90 or 100 next birthday [ANB]

Issue Age

Pre-birth: After 14 weeks into pregnancy
Post-birth: 1 – 70 ANB

Minimum Sum Assured

RM10,000 and subject to the minimum sum assured multiple

Maximum Sum Assured

Subject to underwriting

  1. Death Benefit
  2. Total and Permanent Disability Benefit
  3. Maturity Benefit
  4. Goal Achievement Benefit
  5. Longevity Benefit

Please refer to here / Product Disclosure Sheet for details of coverage



Minimum insurance premium for:

  • Children (prenatal to 18 ANB) is RM50 per month
  • Adults (19 ANB to 70 ANB) is RM100 per month
Riders that can be bought with this policy

Additional Death Benefit

Hospital & Surgical

Critical Illness


Payor Benefit


Pregnancy and Child Care Benefits


*PRUMedic Overseas can only be attached when PRUValue Med or PRUMillion Med is attached.

** These riders can only be attached when PRUSaver or PRUSaver Kid and respective payor basic are attached.

Product Enquiry

For more information and special offers.

* Required fields
Product Name
First Name *
Last Name *
Preferred Contact Method (Please provide a phone number and email address.) *
NRIC/Passport No. *
Current Location *
Language *

PRUBiz Protect

Download the product brochure

Prefer to talk? 
Contact us


PRUBiz Protect is a comprehensive solution using PRUWith You as the basic plan. Attached with additional death benefit, accidental and payor riders, it is an insurance solution to meet your protection needs and short to medium term liabilities or financial commitments.

PRUBiz Protect Package

  1. PRUWith You
  2. Protect Booster
  3. Acci Guard Plus
  4. Acci Med Plus
  5. Acci Income Plus
  6. Payor Basic

Riders attachable

Additional Death Benefit

Protect Booster pays the rider sum assured in one lump sum upon death of the Life Assured* prior to expiry of the rider.

* Where Life Assureds are unborn children, a waiting period of 30 days from birth will be applicable for Protect Booster.

Accidental Riders 

Obtain accidental coverage with Acci Guard PlusAcci Med Plus, and Acci Income Plus which provide lump sum benefits, medical reimbursement and income respectively for disabilities due to accidental causes.

Payor Riders 

Concerned about your policy when the unspeakable happens? Our Payor riders will pay for your plan in the event of death (if applicable), TPD¹, or Critical Illness2 of yourself or your covered family members. This will be made possible using our PayorParent Payor32Parent Payor3, and Spouse Payor riders.

If more than one Payor rider trigger at once, not only will the premiums of the policy be borne by Prudential, but an amount equal to the Rider Sum Assured of the subsequent payor rider(s) will be allocated into the policy’s Account Value with 100% allocation, allowing for more funds for investment.

1TPD coverage is available prior to the Policy Anniversary Date of age 70 next birthday or expiry of the policy whichever is earlier.
2Angioplasty and Other Invasive Treatments for Coronary Artery Disease are not covered under Payor Riders.
3Parent Payor and 2Parent Payor coverage will cease when the Life Assured reaches Policy Anniversary Date of age 25 next birthday.

  • This content contains only a brief description of the product and is not exhaustive. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Product Disclosure Sheet, Product / Sales Illustration, Fund Fact Sheet(s) and the insurance info booklet on 'Life Insurance', ‘Investment-Linked Insurance’, ‘Personal Accident Insurance’ and ‘Medical and Health Insurance’ 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.
  • Please note that there are exclusions applicable to each respective benefits. Please refer to the Product Disclosure Sheet, Product / Sales Illustration and Policy Document for the full list of benefits, exclusions, waiting periods and other terms and conditions.
  • Please note that the package here consists of components that can be bought separately and you are not obligated to select all components of this package.
  • You should satisfy yourself that this product will best serve your needs. You should also satisfy yourself that the premium payable under the policy is an amount that you can afford. 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. You may also contact the insurance company directly for more information.
  • The insurance charge for basic benefits and Protect Booster (if any) are guaranteed, whereas other charges and the insurance charges for the riders are not guaranteed and may be varied from time to time by giving 3 months’ notice to policy owners (except for medical and critical illness benefits where 30 days’ notice will be provided). If we increase the insurance charge rates, you may need to pay an additional premium or top-ups. Premiums for this plan are payable throughout the entire term of this policy.
  • Details of the fees and charges charged for providing the insurance coverage and its optional riders are detailed in the Product Disclosure Sheet and Product / Sales Illustration.
  • You can surrender the policy at any time. However, if you terminate the policy in the early years, you may get back less than the amount you have paid in. Upon surrender, a surrender value will be payable and all the benefits under this plan will be terminated.
  • 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 units (at the next pricing date) plus the premiums that are not invested, insurance charges, policy fees and taxes (if any) that we have deducted, less medical expenses that we may have already paid or agreed to pay.
  • Among other factors, non-payment of premiums may cause this policy to lapse. The policy coverage term shall depend on the policy having sufficient cash value to cover all the policy charges. Therefore, depending on the amount of units available in its accounts, riders (if any) of the policy may lapse and cease to be in force at different points of time.
  • You must inform us of any change in your occupation, avocation or sports activities because it may affect the premiums, terms, conditions and benefits.
  • For more information on the funds, please refer to their respective Fund Fact Sheet available on our website at You may also track the performance of your funds by checking the unit prices published daily on our website.
  • Any age reference shall be on the basis of Age Next Birthday.
  • PRUWith You and its attachable riders are not Shariah-compliant products.
  • PAMB is an insurance company licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.


    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 ( or call PIDM toll-free line (1-800-88-1266).



Back to Top