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PRUWith You

Life insurance and investment in a single, flexible plan that protects you and your family.

The financial foundation you need


PRUWith You pays a lump sum to help look after your family if you unfortunately pass away or become Total and Permanently Disabled (TPD) by injury or illness. You can also safeguard your future with PRUWith You by choosing to invest for a potential lump sum payout in the future.


As your life changes, perhaps getting married, buying a house and having children, you can take out more insurance coverage and investment options to match.

Extra plans

You can also add extra plans to strengthen your coverage. Choose from plans that:



Build a lump sum for your child’s future, a rainy day or whatever you choose:


Pay you a lump sum or your medical cost or a regular income if you have an accident:



Pay you a lump sum if you have a critical illness:



Pay for your hospital bills:



Pay your premiums upon TPD, death or diagnosis of critical illness





Pay for your unborn or young child and their mother:


  • Infant Care Plus                                    


Pay additional death benefit:



Learn more

More about PRUWith You

An insurance and investment plan that, when you keep paying your premiums, pays out if you become TPD or unfortunately pass away. You can also choose a range of high quality investment funds and extra insurance benefits that are right for you and your family.

We pay a lump sum for any one of these events:

  • If you unfortunately pass away;

  • If you have an accident, get a critical illness or become TPD;

  • If you reach 100 years of age.

Celebrate the joy of achieving your goals and milestones in life 

We reward you with a lump sum of RM500* when you enter new phases of your life such as:

  • Getting married

  • Giving birth to a child

  • Buying a new home

  • Doubling your salary

  • Travelling to 10 different countries

*This benefit can only be claimed once for life assured with entry age 25 and below.

About your plan


How much does it cost (your premium)?

Minimum insurance premium for:

  • Children (before birth to 18 years old) is RM50 per month.

  • Adults (19 to 70 years old) is RM100 per month.

Insurance premium will vary according to the amount of coverage, age, gender and smoking status.

How long will I need to pay premiums?

You pay premiums for as long as you have your plan in force.

How long does the coverage last?

20 years; or choose to stop your plan at 60, 70, 80, 90 or 100 years old.

How old must the life assured (the person covered by the plan) be when the plan starts?

Before birth: After 14 weeks into pregnancy.

After birth: Age 1 – 70 years old.


What’s the minimum amount of coverage?


What’s the maximum life coverage?

Our underwriters decide this, depending on your circumstances.

All ages in this table are age next birthday (ANB)

Important notes
Key information and disclaimers.
  1. 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 Brochure, Product Disclosure Sheet, Product / Sales Illustration, Fund Fact Sheet (if any), and the consumer education 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 features and benefits, exclusions and waiting periods under the policy.

  2. This product comes with Extension of Coverage Term 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 request to disable the Extension of Coverage Term, 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.