Spouse Payor Saver 2.0

This rider pays the Investment Premium (PRUSaverPRUSaver Kid premium) until the end of premium payment term or spouse aged 100, whichever is earlier, if the Life Assured’s spouse suffers Total and Permanent Disability before age 70, diagnosed with a covered critical illness or dies.

The rates of insurance charge for this rider are guaranteed.

Basic Plan Attachable
Important Notes
  1. This product summary is for illustrative purposes only. You are advised to refer to Prudential Assurance Malaysia Berhad (PAMB)’s Leaflet, Product Disclosure Sheet, Product 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. 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, your 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.
  3. 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.
  4. 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 PAMB directly for more information.
  5. The rates of insurance charge for this plan are guaranteed with no revision allowed throughout the policy term and are likely to be higher as compared to similar plan(s) with non-guaranteed rates of insurance charge, due to the guarantee provided. Hence, this may result in higher premium payable as compared to similar plan(s) with non-guaranteed rates of insurance charge, which may also be offered by PAMB from time to time. You may ask your insurer/ intermediary for other types of plans offered by the insurer.


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