Explore our plans
Our Wealth and Legacy Planning insurance solutions are designed to help you grow, protect, and preserve your assets, ensuring that your hard work today becomes a foundation for tomorrow. Whether you’re planning for retirement, safeguarding your family’s future, or leaving a meaningful legacy, we provide the expertise and tools to turn your vision into reality.
Let us help you find the right plans that protect what matters most to you.
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Wealth and legacy planning is the process of growing your money while ensuring it's protected and passed on to your loved ones. It combines building financial security today with preparing for your family's future.
This typically includes:
Saving and investing to grow your assets
Insurance to protect against unexpected events
Estate planning to ensure smooth transfer to beneficiaries
A wealth insurance plan is a life insurance policy designed to both protect your family and help you accumulate assets over time, often through investment-linked funds.
Wealth insurance is generally suitable for people who want to grow and preserve larger sums of money while protecting dependants, for example, professionals with surplus income, business owners, and families focused on legacy or estate planning.
Start by spending less than you earn, saving consistently, and investing for growth. The key is to begin early – even small amounts grow significantly over time.
Basic steps to get started:
Manage your wealth by setting clear goals, diversifying investments, and reviewing your plan regularly. Good wealth management is ongoing, not a one-time task.
Key practices:
Protect your legacy by combining smart investments with proper planning – including life insurance, a valid will, and clear beneficiary designations. This ensures your wealth reaches the right people without delays or disputes.
Essential steps:
Insurance protects your wealth by providing a financial safety net against unexpected events like illness, disability, or death. It prevents a single incident from wiping out your savings or leaving your family in hardship.
How it works:
It ensures your family's financial security today and protects their future, even when you're no longer around. Without a wealth or legacy plan, your loved ones could face unnecessary hardship during difficult times.
Benefits for your family:
Consider a wealth planner when you have financial goals to achieve, assets to protect, or major life changes ahead – like marriage, parenthood, or retirement. The right time to start is now, regardless of your current wealth.
Signs you could benefit:
Financial planning focuses on achieving specific goals (like retirement or buying a home), while wealth management is a broader, ongoing service covering investments, tax, estate planning, and more.
You can start with whatever you can consistently save – even a few hundred ringgit monthly. What matters most is starting early and being consistent, not the amount.
Yes. Investment-linked insurance plans (ILPs) combine wealth accumulation with insurance protection in one solution – part of your premium provides coverage, while the rest is invested to grow your wealth.
Benefits:
Legacy planning insurance is a life insurance-based solution to preserve and transfer wealth efficiently to your chosen beneficiaries, often combining protection with long-term savings or investment features.
Compared with standard savings or basic protection plans, legacy planning insurance typically offers higher coverage, more structured wealth transfer, and is designed specifically to support estate and generational wealth objectives.
Without legacy planning, your assets may be distributed according to law rather than your wishes. Your family could face frozen accounts, lengthy legal processes, and potential disputes.
Possible consequences:
Choose based on your financial goals, risk appetite, budget, and family's protection needs. The best plan is one that fits your specific situation.
Consider:
Explore Prudential Malaysia's range of wealth and legacy planning insurance products, or speak with a Prudential Wealth Planner for personalised advice.
An investment-linked insurance plan is an insurance policy that combines protection with investment. Part of your premium provides life coverage, while the rest is invested in funds to grow your wealth over time.
Key features:
The best time to start is as early as possible - ideally in your 20s. The earlier you begin, the more time your money has to compound, and the lower your insurance premiums will be.
Regardless of age, the best time to start is today.
Prudential Malaysia offers a comprehensive range of savings, investment-linked, wealth and protection insurance plans to help you build and protect your wealth.
What we offer:
Explore our range of wealth and legacy planning insurance products or connect with a Prudential Wealth Planner today.
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