Ensuring a home for your loved ones always.

PRUMortgage is a decreasing term assurance which specially caters for customers who are carrying a home loan. It ensures that in the event of death or Total and Permanent Disability up to age 60, the customer’s outstanding mortgage loan to the bank is protected.

The PRUMortgage sum assured on a year-to-year basis follows the outstanding principal of a mortgage loan paying interest of 10% per annum. If the mortgage interest rate is lower than 10%, the sum assured will always be higher than the outstanding principal in all future years. Where the mortgage interest rate is higher than 10%, the initial sum assured purchased should be higher than the amount of loan taken to ensure that subsequent years’ sum assured do not fall below outstanding principals.


PRUmortgage (1)

Sum Assured follows the outstanding principle of a mortgage loan paying interest of 10% per annum

PRUmortgage (2)

Range of riders for enhanced protection

Product Details

Payment Term

Premium is payable throughout the coverage term

Coverage Term

25 years


Between 10 and 70 minus Issue Age, subject to maximum of 30 years

Issue Age

16 – 60 years old (Age Next Birthday)

Minimum Sum Assured

RM 10,000

Maximum Sum Assured

Subject to underwriting

  1. Death Benefit
  2. Total and Permanent Disability Benefit up to age 60
Riders that can be bought with this policy

Critical Illness

Term Life


Important notes
  1. This product summary is for illustrative purposes only. You are advised to refer to Prudential’s Brochure, Product Disclosure Sheet, Sales Illustration, and Fund Fact Sheet (if any) 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.
  2. 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.
  3. Buying life insurance policy is a long term financial commitment. You are advised to choose the type of product(s) that best suits your financial needs. You are advised to read and understand the insurance policy and discuss with the agent or Wealth Planner or contact Prudential Assurance Malaysia Berhad (PAMB) directly for more information.

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