A single, flexible plan for your needs

PRUWith You Plus is a life insurance that lets you personalise your coverage with a range of riders, including medical, critical illness, and mom and baby insurance, to suit your changing needs.

Enjoy added peace of mind with the Sum Assured Booster, which automatically increases your coverage over time and extends protection up to age 100. The plan also extends protection to your children from birth until age 7, ensuring your little ones are covered. Because what matters to you, matters to us too.

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PRUWith You Plus benefits

Follow Ethan's life journey

Discover the comprehensive protection offered by PRUWith You Plus​

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Extra plans

You can also add extra plans to strengthen your coverage.

Choose from plans that:

Build a lump sum for your child’s future, a rainy day or whatever you choose:

Pay you a lump sum or your medical cost or a regular income if you have an accident:

Pay you a lump sum if you have a critical illness:

Pay for your hospital bills:

Pay your premiums upon Total and Permanent Disability (TPD), death or diagnosis of critical illness

Pay annual instalment when you're diagnosed with TPD/Critical Illness:

Protect your unborn or young child and their mother:
Pay additional death benefit:

Learn more

A life insurance and investment plan that provides coverage against death or TPD. You can also choose a range of high-quality investment funds and extra insurance benefits that are right for you and your family.

About your plan

How much does it cost (your premium)?

Insurance premium will vary according to the amount of coverage, age, gender, smoker status and policy term.

How long will I need to pay premiums?

You pay premiums for as long as you have your plan in force.

How long does the coverage last?

Choose to stop your plan at

  • 20 years;
  • 70, 75, 80, 85, 90, 95 or 100* years old.

How old must the life assured (the person covered by the policy) be when the policy starts?

Before birth: After 13 weeks into pregnancy.

After birth: Age 1 – 70 years old.

What’s the minimum amount of coverage?

RM10,000

What’s the maximum life coverage?

Our underwriters decide this, depending on your circumstances.

*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.

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) 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).

Investment-linked insurance FAQ

Investment-linked insurance or ILPs (investment-linked plans) provide life insurance and investment components to the insured. ILPs are designed to help you accumulate wealth and at the same time, provide protection in the case of death, or total and permanent disability. The sum assured can vary according to your policy.

In an investment-linked insurance plan, part of your premium goes toward paying agent commissions and company expenses. The remaining amount is invested into a fund. From that investment value, the insurance company deducts a Cost of Insurance (COI) to provide coverage like life protection or critical illness benefits.

Investment-linked policies have several benefits including:

  • High flexibility - The insurance coverage is adjustable to suit your needs or stage in life. You can also withdraw for quick cash if needed or pause paying premiums if you have financial issues.
  • Leverage your money for both wealth accumulation and wealth protection at the same time.
  • You get to choose where to invest—whether it's in equity funds, bond funds, managed funds, or even local, regional, or global options—based on your comfort with risk.

No, the returns of investment-linked insurance is not guaranteed. This is due to the rise or fall of fund performance as according to the investment’s market value.

ILPs are not risk-free as the value depends on the investment portion’s performance.

This depends on several factors including:

  • Your goals - What are your investment or financial goals?
  • Your risk appetite - While you can adjust the investment and insurance portions according to the risk you’re willing to take, always do your research to ensure that you’re investing in funds that are able to deliver expected returns. Consult one of our team to learn more about all your options.
  • Your age - How much time do you have to reach your goal? Younger individuals have more time to invest and thus, can opt for more aggressive investment funds if they want to. Our advisors will be able to plan a strategy that suits your needs.

There’s no fixed period, and thus, it’s pretty much up to you. However, because of the high initial costs, a long-term strategy will probably give you more returns.

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