PRUElite Flex

PRUElite Flex is a non-participating insurance plan that combines protection with savings. It guarantees a lifetime annual income and a Maturity Benefit to strengthen your financial future and support your family. This guaranteed income insurance plan also allows you to split your policy and share your wealth with your loved ones. Additionally, it includes a Death Benefit and a Compassionate Benefit¹ to help provide for your family, even in your absence.

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

About our plan
 

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

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, 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.

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).

PRUElite Flex is a wealth accumulation and legacy planning solution that combines protection, guaranteed income and wealth transfer features. It is designed to help individuals build, preserve and transfer wealth while providing flexibility to support different financial goals throughout life.

FlexIncome is a guaranteed annual income benefit payable from the first policy year under PRUElite Flex. Policyholders can choose to receive the income as cash, reinvest it into selected funds, or combine both approaches according to their financial goals and needs.

Yes. PRUElite Flex allows policyholders to reinvest their FlexIncome into selected professionally managed funds. This provides flexibility for those who wish to pursue additional growth opportunities while continuing to benefit from guaranteed annual income.

Depending on the selected policy term, FlexIncome can be payable until age 80 or age 100. This provides a long-term source of guaranteed income that can support retirement planning and other financial objectives.

The Policy Split Option allows eligible policyholders to split a policy into multiple individual policies. This feature can help facilitate wealth distribution according to your needs and goals in legacy planning.

The Policy Split Option provides greater flexibility when transferring wealth to future generations. By splitting a policy into separate policies, policyholders can allocate benefits according to different families' needs and long-term financial goals.

If the Life Assured passes away, benefits payable under the policy will be determined according to the policy terms and conditions. Where an Alternate Life Assured has been appointed and eligibility requirements are met, the policy may continue under the Alternate Life Assured, helping the policy's long-term objectives continue.

The Guaranteed Issuance Offer allows eligible individuals to apply for PRUElite Flex through a seamless application process without health questions, subject to the applicable eligibility criteria, limits and policy terms and conditions.

Yes. PRUElite Flex can support retirement planning through guaranteed annual FlexIncome payments that may continue until age 80 or age 100, depending on the selected policy term.

Yes. PRUElite Flex is designed to support long-term legacy planning through features such as the Policy Split Option, Alternate Life Assured and guaranteed income benefits, helping families preserve and transfer wealth across generations.

Traditional savings plans primarily focus on accumulating savings. PRUElite Flex combines guaranteed income, protection features and wealth transfer capabilities, making it a more comprehensive long-term financial planning solution.

Yes. PRUElite Flex is designed for individuals who want to build, preserve and transfer wealth across generations. Features such as the Policy Split Option and Alternate Life Assured can help support structured succession and family wealth planning.

Guaranteed income is a benefit that is contractually payable according to the policy terms and conditions, while investment returns depend on market performance and are not guaranteed. PRUElite Flex provides guaranteed FlexIncome benefits, helping policyholders plan for future financial needs with greater certainty.

PRUElite Flex offers flexibility through guaranteed income, reinvestment options, policy splitting and long-term wealth planning features. This allows policyholders to adapt their financial strategy as their goals, priorities and family circumstances evolve.