A Legacy Beyond Wealth.
For families who have achieved success, true legacy is more than wealth, it’s the values and care that stand the test of time. With thoughtful planning, your influence can continue to shape life’s most meaningful chapters for generations to come. That’s why legacy planning matters. It goes beyond transferring assets; it ensures your principles and guidance remain a lasting foundation for your loved ones’ future.
Download the leaflet in your preferred language.
Benefits of Legacy Settlement Option
Tailored Distribution
Protection from Misuse or Mismanagement
No Additional Cost
Interest Accrual
Tailor your Legacy with these Payout Options
Immediate Lump Sum
Structured Instalment
Milestone-Based Payout
Legacy Settlement Option is now available in our wealth solution, PRUWealth Enrich 2.0 and PRUSignature Prestige.
Sign up today to secure your wealth and create a legacy that lasts for generations.
Terms and Conditions apply.
Learn more
Historical Interest Rate
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Period |
Interest Rate1 |
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11 Jan 2026 - Current |
3% p.a. |
1Interest may be accrued on the unpaid balance of benefit payout at a rate determined by the us, which may vary from time to time. Such accrued interest, if any, shall be payable together with the final payout for each nominee.
Important notes
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This page contains only a brief description of the Legacy Settlement Option and is not exhaustive. There is more information related to the restrictions applicable to the Legacy Settlement Option on the application form. We may change the administrative rules for these options from time to time.
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For more information about the Legacy Settlement Option, we recommend speaking with your Prudential Wealth Planner. Alternatively, you may contact the insurance company directly.
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The policy owner determines the option(s), and the nominee(s) cannot make any changes to the options or the way we pay the benefits at any time.
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The Legacy Settlement Option shall not be applicable to Death Benefit amount below RM1,000,000. If the benefit payout upon death of the Life Assured under this policy is below RM500,000, the Legacy Settlement Option shall be void and the benefit will be payable in full as lump sum to the respective nominee(s).
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For Structured Instalment Payout, the minimum payout amount per transaction for each nominee shall be RM2,000 per month or RM24,000 per year.
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If, at the point of claim, the moneys payable under the policy differs from the original amount of basic sum assured when the application for Legacy Settlement Option was approved by us, the instalment amount shall be adjusted to meet the minimum payout threshold. Consequently, the payout term shall be revised to reflect the adjusted instalment amount.
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Interest may be accrued on the unpaid balance of the payouts at a rate determined by us, which may vary from time to time. Such accrued interest, if any, shall be payable together with the final payout for each nominee.
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If there is any conflict or inconsistency between the English language, Malay language and Chinese language versions, the English language version of this leaflet shall prevail and be given effect to.
The benefit(s) payable under eligible certificate/policy is(are) protected by Perbadanan Insurans Deposit Malaysia ("PIDM") up to limits. Please refer to PIDM's Takaful and Insurance Benefits Protection System ("TIPS") Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).