An investment-linked insurance plan that provides maximised protection and greater wealth.

About Our Plan

 *All ages in this table are based on age next birthday (ANB), except for age 100, which is based on attained age.

Click here for the sample PDS.

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 Leaflet, Product Disclosure Sheet, Product / 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 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 up to the Policy Anniversary of Life Assured’s age 100. For rider(s), if applicable, the rider's term will be extended 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. During the extended coverage term, the coverage provided by the basic plan and rider(s) (if applicable) will remain the same.

PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.​

PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. 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).

Legacy planning is the process of preparing how your wealth, assets, and financial resources will be managed and passed on to your loved ones in the future.

A well-structured legacy plan can help provide financial security for your family, minimize uncertainty, and ensure your wishes are carried out according to your intentions.

A wealth and legacy plan help create a financial foundation that can support your loved ones even after you are no longer around.

By combining protection and wealth accumulation, it can help preserve assets, support future opportunities, and provide long-term financial continuity across generations.

Wealth planning focuses on growing, managing, and preserving your financial resources during your lifetime.

Legacy planning focuses on how those assets and resources are transferred to your beneficiaries, ensuring they continue to benefit future generations according to your wishes.

Legacy planning helps families prepare for the future by providing clarity on how assets should be distributed and managed.

It can help reduce financial uncertainty, support dependents, and provide peace of mind that loved ones will continue to receive financial support when it matters most.

Legacy planning is not only for retirees or high-net-worth individuals. Many people begin planning once they start building assets, growing a family, or taking on significant financial responsibilities.

Starting early allows more time to structure your plans and adapt them as your circumstances evolve.

Yes. Some wealth and legacy solutions allow you to determine how and when benefits are distributed to your beneficiaries depending on the arrangements selected.

This can provide greater control over how your legacy supports your loved ones and aligns with your long-term intentions.

Structured inheritance can provide beneficiaries with financial support over time rather than through a single payment.

This approach may help support long-term financial wellbeing, encourage responsible financial management, and provide assistance during important life stages.

Important considerations include your financial goals, family circumstances, future obligations, asset distribution preferences, and the level of financial support you want to provide for future generations.

A well-considered plan should reflect both your current priorities and your long-term vision for your family.

A wealth and legacy plan can help organize how assets are managed and transferred, reducing the risk of financial disruption and helping preserve accumulated wealth over time.

It can also support long-term financial continuity by aligning wealth transfers with your family's future needs.

Yes. Legacy planning can help ensure financial resources are available to support meaningful milestones such as higher education, home ownership, marriage, entrepreneurship, or other significant life events.

This allows your legacy to continue supporting the people and values that matter most to you.

Wealth transfer planning helps establish a clear framework for how financial resources will be passed on to beneficiaries.

Having a structured plan in place may help reduce uncertainty and provide loved ones with greater confidence about their future financial security.

Many business owners and entrepreneurs use wealth and legacy planning as part of a broader strategy to protect their families and preserve the value they have built over time.

A structured approach can help support succession objectives and long-term financial continuity for future generations.

A wealth and legacy plan can work alongside savings, investment, and protection strategies to help create a more comprehensive financial roadmap. It provides a framework for preserving wealth while supporting long-term family and financial objectives.

Yes. Legacy planning is often designed to look beyond immediate beneficiaries and consider how wealth can continue benefiting future generations. This long-term approach can help create lasting financial support and preserve family values across generations. 

Life circumstances can change over time due to marriage, children, business growth, retirement, or other major events.

Regular reviews help ensure your legacy plan continues to reflect your goals, family situation, and financial priorities as they evolve.