PRUCash Enrich

PRUCash Enrich is a limited pay anticipated endowment participating insurance savings plan that offers a range of benefits to help you provide for your family, even when you are no longer around¹.

¹ In the event that Life Assured has passed away and Alternate Life Assured is appointed.

About your plan

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

Click here for the sample PDS.

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 Leaflet, Product Disclosure Sheet and Product / Sales Illustration, 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.

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).

PRUCash Enrich is designed to help you accumulate savings through guaranteed annual Survival Benefits throughout your chosen policy term, together with a Guaranteed Maturity Benefit at the end of the policy term.

This combination can help support long-term financial goals such as education planning, retirement planning and wealth accumulation.

PRUCash Enrich provides guaranteed annual Survival Benefits while the policy remains in force. These annual payouts can be used to supplement your income, support future financial goals or be retained according to your financial needs.

When your policy reaches maturity, PRUCash Enrich provides a Guaranteed Maturity Benefit as a lump sum payment. Depending on the performance of the participating fund, non-guaranteed bonuses may also be payable together with the Guaranteed Maturity Benefit, subject to policy terms and conditions.

Yes. PRUCash Enrich can help parents and families prepare for future education expenses through its guaranteed annual Survival Benefits and Guaranteed Maturity Benefit. These benefits can be used to support important educational milestones over the long term.

Yes. PRUCash Enrich can be used as part of a retirement planning strategy by providing guaranteed annual Survival Benefits during the policy term and a lump sum maturity benefit at the end of the policy term, helping to support future financial needs.

PRUCash Enrich provides a Compassionate Benefit upon the death of the Life Assured, subject to policy terms and conditions. If an Alternate Life Assured has been appointed and the applicable requirements are met, the policy may continue under the Alternate Life Assured, allowing future policy benefits to remain available.

An Alternate Life Assured is a person nominated under the policy who can become the new Life Assured if the original Life Assured passes away, subject to policy terms and conditions.

This feature helps support continuity of the policy and long-term financial planning objectives.

The Alternate Life Assured feature helps ensure continuity of the policy if the original Life Assured passes away. This may allow future policy benefits to continue, supporting long-term family financial planning and wealth transfer goals.

Yes. Unlike typical life insurance that ends when the life assured passes away, PRUCash Enrich is designed to continue beyond a single lifetime. You can appoint an Alternate Life Assured who takes over the policy when you're no longer around - the guaranteed annual payouts and Maturity Benefit continue uninterrupted. You can also change this appointment unlimited times, meaning the policy can be passed through multiple generations. With the optional waiver rider attached, future premiums are waived upon the Life Assured's passing, so the policy continues at no cost to your family

PRUCash Enrich is designed for individuals seeking a long-term savings solution with guaranteed policy benefits to support goals such as education funding, retirement planning, and wealth accumulation.

Yes. PRUCash Enrich is designed to support long-term financial goals such as education funding, retirement planning, wealth accumulation and family financial planning through a combination of guaranteed and potential non-guaranteed benefits.

Yes. PRUCash Enrich offers multiple premium payment terms and policy terms, allowing you to choose an option that aligns with your budget, savings horizon and long-term financial objectives.

Yes. Eligible optional riders may be attached to PRUCash Enrich to provide additional protection benefits. Rider availability, benefits and premium rates are subject to the applicable rider terms and conditions.

A limited-pay savings insurance plan allows you to complete premium payments within a selected payment period while continuing to enjoy policy benefits over a longer policy term. PRUCash Enrich is structured as a limited-pay anticipated endowment participating insurance plan.

Some individuals choose savings insurance plans because they provide disciplined long-term savings together with insurance-related benefits and guaranteed policy benefits.

This can help support specific financial goals while providing greater structure to long-term financial planning.