PRUPrestige Legacy

Designed for wealth and legacy planning, offering flexible premium payment terms, a choice of coverage duration, and coverage denominated in multiple reference asset options.

About Our Plan
 

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

Click here for the sample PDS.

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 and 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 120. For rider(s), if applicable, the rider's term will be extended up to the Policy Anniversary of Life Assured's age 120 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).

PRUPrestige Legacy is a limited-pay investment-linked insurance plan designed for wealth and legacy planning. It combines life protection with investment-linked features, while offering features that provide flexibility in how you grow, access and eventually distribute your wealth to your loved ones.

With PRUPrestige Legacy, you can choose to link your coverage to MYR or selected reference assets such as USD, SGD, AUD, GBP, CNY or gold for your coverage. 

If you select a foreign currency or gold, your coverage is converted into Ringgit Malaysia based on the prevailing exchange rate or gold price when the Death Benefit or Terminal Illness Benefit becomes payable. A guaranteed floor helps protect the minimum value of your coverage if the selected reference asset weakens.

The Legacy Enhancer automatically increases your coverage at selected milestone ages without additional cost or further medical checks. 

Depending on your entry age, the additional coverage can total up to 50% with the Legacy Enhancer benefit capped at RM2.5 million per life.

Yes. With the Legacy Settlement Option, you can decide how your eligible death benefit is distributed to your nominees through an immediate lump sum, structured monthly or annual instalments, or payouts linked to selected life milestones. 

The option is available with eligible plans at no additional cost, subject to the applicable terms and administrative rules.

PRUPrestige Legacy allows you to withdraw funds when your financial needs change.

Through the Cover Restore Benefit, up to 20% of your original coverage can be automatically reinstated after 24 months from the first withdrawal date, provided the policy remains active and all premiums are paid up to date. The Cover Restore Benefit is available once per policy.

PRUPrestige Legacy offers a high non-medical limit of up to USD3.5 million or RM14 million, allowing eligible customers to obtain high coverage without a medical check-up. This is  subject to the Life Assured’s age, health profile and underwriting requirements.

PRUPrestige Legacy offers a Loyalty Bonus and Loyalty Booster for long-term policy ownership. 

The Loyalty Bonus can provide up to 100% of your annualised premium and is credited to the Basic Unit Account every 10 years until maturity, while the Loyalty Booster can provide up to 300% of your annualised premium at the end of your selected coverage term. 

Yes. During the proposal stage, you may opt for the Preferred underwriting class. You can enjoy a 10% discount on Cost of Insurance (COI) charges for the entire policy term should you meet the qualifying health criteria. 

Qualification is based on Prudential's underwriting assessment, which may include a review of the customer's health profile and supporting medical reports. 

The assessment considers smoking status, blood pressure, BMI, cholesterol levels, medical history, and other medical conditions.

Once approved, the Preferred Underwriting class remains valid throughout the policy term.