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PRUWealth Plus

An investment-linked insurance plan that provides high coverage.

Fulfill the dreams of the ones you hold dear

Start building a comfortable future for you and your family with PRUWealth Plus, an investment-linked insurance plan that provides high basic sum assured (BSA) for death including accidental death, TPD, 14 types of infectious diseases, loyalty rewards and bonus, and optional benefits.

What’s more, PRUWealth Plus also provides extra coverage on fourteen different types of infectious disease and rewards you for your continuous stay with us with a loyalty reward. 

Extra plans

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

Pay you a lump sum if you get a critical illness:
Pay you a lump sum if you unfortunately pass away:
Pay your premiums upon Total and Permanent Disability (TPD), death or diagnosis of critical illness:
Build a lump sum for your child’s future, a rainy day or whatever you choose:

Learn more

More about PRUWealth Plus
An investment-linked insurance plan that provides high coverage.

Fulfil the dreams of the one you hold dear with PRUWealth Plus, a savings & investment plan that offers high insurance coverage and up to four times the protection in the event of accidental death.

Here are PRUWealth Plus' solutions customised to your needs:


About your plan

How much does it costs (your premium)?

Minimum insurance premium for:

  • Children (before birth to 18) is RM100 per month

  • Adults (19 to 70) is RM120 per month

How long will I need to pay premiums?

5, 10 or 20 years or as long as your plan is 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?

From 30 days old till 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 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.


FAQ on investment-linked insurance plans

What are investment-linked insurance policies (ILP)?

Investment-linked insurance plans comprise life insurance and investment components. Premiums paid by the policyholder are used to cover the insurance charges and to buy units in one or more investment funds.

There are two types of ILPs - single premium ILPs and regular premium ILPs. With single premium ILPs, units are purchased with the lump sum paid. Single premium ILPs usually have lower insurance coverage. With regular premium ILPs, premiums are ongoing. The insurance coverage varies, depending on what you choose.

What are the key benefits of an ILP?

The main benefit of an investment-linked insurance plan is that you’re growing your wealth while protecting your loved ones if anything unfortunate should happen to you. ILPs are also flexible. You can switch sub-funds, top up or partially withdraw your investments. There is also flexibility to reduce or increase the insurance coverage if your need to.

What to consider when choosing an ILP?

When choosing an ILP, consider the following:

  • ILPs are long-term investments as you’ll need to make up for market fluctuations as well as to offset initial investment costs. Short-term returns are usually limited.

  • Different ILPs offer different insurance coverage, so talk to your insurance agent about what you want your insurance policy to cover.

  • Ask yourself whether you can continue paying the premiums if you lose or have a reduction in your income.

  • Compare the ILP with other investment products.