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Our Riders - Insurance Add-ons

Spouse Payor Basic

We cover your annual premiums if your spouse faces the unexpected.

Financial support for when you need it most


It’s easy to think that life stops when your partner faces health difficulties. But with Spouse Payor Basic, you can continue life with what your loved one has set in place.


If your spouse unfortunately passes away, become Total and Permanently Disabled (TPD) before age 70 or diagnosed with critical illness, this rider pays annual benefits equal to the annual premiums of your plan (except PRUSaver premium). We will pay these annual benefits until the end of your premium payment term, or when your spouse is age 100, whichever earlier.

Attachable plans

The basic plans that Spouse Payor Basic can be attached to:

Learn more

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.