PRUguard my family. A complete protection plan built for you and your family. Strategic Alliance. Always Listening. Always Understanding.

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Robyn Clark
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1 PRUguard my family A complete protection plan built for you and your family Strategic Alliance Always Listening. Always Understanding.

2 Enjoy comprehensive yet affordable protection for the whole family. Having comprehensive coverage at an affordable cost is everyone s idea of an ideal insurance plan. On top of that, it is imperative to ensure that the entire household has the adequate amount of protection. Even better, to have a plan that offers you individual benefits at even more affordable rates while accumulating cash value at the same time! Introducing PRUguard my family, a unique insurance plan that ensures protection for you and your family, all for an affordable price. Why should you choose PRUguard my family? Guaranteed dividends This plan guarantees you a minimum annual dividend that is equivalent to the average monthly savings rate of Malaysia s three largest banks. 1 On top of that, the annual dividend received could be even higher than the guaranted dividend, subject to investment performance. Affordable premium As the plan is offered exclusively through strategic alliance partnerships, the premium is priced at a more affordable rate. Take your plan with you wherever you go You can continue enjoying your PRUguard my family cover even when you are no longer employed with the same company or organisation because this plan is portable. This means you can enjoy the benefits wherever you go (as long as your premiums are paid). Complete coverage for the family Covers not just you, but extends customisable and complete individual protection to each member of your immediate family as well. Flexibility to enhance the cover you want You have the freedom to customize the type of cover you want from a range of benefits. Accessible customer service PRUguard my family gives you access to our network of 45 branches nationwide and our dedicated customer service hotline. 1 At the end of each calendar year, we will declare a minimum annual dividend on the Policy Account for the following year that is equivalent to the average monthly savings rate over the last 12 months of the three largest local commercial banks in Malaysia. The minimum annual dividend may vary from year to year. The banks are selected based on their share capital determined from the last available published annual report.

3 Benefits at a glance Basic Benefits Death Benefit* Total and Permanent Disability (TPD) until age 60* Pays the basic sum assured, or the value in the Basic Account, whichever is higher, plus the value in the Add-on Account (if any). Pays the basic sum assured, or the value in the Basic Account, whichever is higher. Upon a TPD claim, the policy will remain in-force until termination by the policyholder. The Add-on Account will then be payable to the policyholder. For a child, in the event of TPD or death to the child before the age of 5, the proportion of the basic sum assured paid is 20% at age 1, 40% at age 2, 60% at age 3, 80% at age 4 and 100% at age 5. Add-on Benefits Crisis Cover Benefit (CCB)* Accidental Death and Disablement (ADD)* Pays the CCB sum assured or the value in the Basic Account, whichever is higher, upon diagnosis of a critical illness. Covers death or total and irrecoverable loss of use of bodily functions due to accident. It also pays a compassionate allowance of RM5,000 in the event of death due to all causes and an additional RM5,000 for accidental death. Enhanced Benefits PRUguard my medical** PRUguard my lady** Covers large medical bills for hospitalisation and out-patient treatment due to illnesses or injuries. It also provides Emergency Medical Assistance. Provides lump sum benefit upon diagnosis of a female-specific illness or cancer. No-lapse guarantee The policy is guaranteed in-force as long as the premiums are paid*** # * This is subject to a maximum per life limit. ** You can refer to our friendly Prudential representative or the policy document for the complete details on the coverage provided. *** If the Company increases the insurance charge for any rider, policyholders are required to increase their premium or reduce the sum assured. Otherwise, the no-lapse guarantee is no longer applicable. # In the event of non-payment of the regular premiums, the charges will continue to be debited until such time when the value in the Policy Account has depleted to zero and the policy shall be deemed as lapsed.

Frequently Asked Questions 1. Who can participate in this plan? Anyone below 60 years old may participate in PRUguard my family. 2. When does the policy cover commence?

Cover for critical illness begins 30 days / 60 days after the commencement date or revival date of the policy, depending on the type of illness. (Please refer to the MHI Booklet for full details.) 4.

The policy will remain in force as long as you continue paying your premium. (Please refer to No-lapse guarantee benefit on previous page.) 5.

4 Frequently Asked Questions 1. Who can participate in this plan? Anyone below 60 years old may participate in PRUguard my family. 2. When does the policy cover commence? Policy cover commences once the proposal is accepted after the individual has been underwritten, and the first premium is paid. 3. When does critical illness cover begin? Cover for critical illness begins 30 days / 60 days after the commencement date or revival date of the policy, depending on the type of illness. (Please refer to the MHI Booklet for full details.) 4. Can I continue with my policy after making a claim on the Crisis Cover Benefit? Yes, you can continue with your other existing Add-On Benefits (and Enhanced Benefits, if applicable). The policy will remain in force as long as you continue paying your premium. (Please refer to No-lapse guarantee benefit on previous page.) 5. Does this plan pay in addition to the other life insurance plans I may have? Yes, PRUguard my family pays you in full even if you have other life insurance plans. 6. When does the policy expire and how much will be paid? The policy will expire at age 70 and the full value in the Policy Account will be payable less any outstanding policy loan and loan interest. For a child plan, the ownership of the policy will be transferred to the child upon his/her reaching age Is there a surrender value and how much will be paid? Yes. The full value in the Policy Account will be payable less any outstanding policy loan, loan interest and surrender charge. (Note: If you surrender before the quarterly dividend is declared, the surrender value will not include the pro-rated dividend for the quarter in which the surrender is made)

5 8. How will the premium be credited into my Policy Account? Assuming your monthly premium is RM100 (RM1,200 a year), the crediting method of the premium is explained in Table 1 below: Table 1 Policy Year & above Premium Credited (%) What are the charges? Service charge Insurance charge Crediting spread Surrender charge (RM) 480 p.a. 600 p.a. 720 p.a. 840 p.a. 960 p.a p.a. (Note: Credited premium for the Add-on and Enhanced Benefits are not guaranteed) RM4 per month for all types of payment modes (credit card, auto-debit, cash & cheque). A monthly insurance charge is levied depending on your age, gender and occupational class (subject to types of benefits selected). As an indication, the insurance charge for a man (non-smoker) aged 45 years is RM2.45 per RM1,000 sum at risk for death and TPD. 1.3% p.a. of the Policy Account value. This charge is required to cover the investment expenses and risk exposure. If the Policy is surrendered within the first 10 years, a reducing fee is charged from the value of the Policy Account at the time of surrender. Eg: 10% for Year 1, 9% for Year 2,...1% for Year 10. Please note that from 1 April 2015, service charges, insurance charges (where applicable) and crediting spread are subject to Goods and Services Tax (GST). Please refer to the Product Disclosure Sheet and Sales Illustration for implications of GST. 10. Who can I contact if I require personal assistance? Should you require any personal assistance such as claims or endorsements to your policy, please contact your servicing agent or any Worksite Marketing staff. You can also visit any of our 45 branches throughout Malaysia. Illustration of The Flow of Premiums and Accounts Premium Uncredited Premium* Credited Premium Policy Account Balance of past all credited premiums & dividends, less charges levied Charges Basic Account Past credited premium for Basic Benefits (plus CCB) less charges, plus dividend declared. Add-on Account Past credited premiums for Add-on Benefits (except CCB) & Enhanced Benefits less charges plus dividend declared Charges *For insurer s expenses and costs incurred Dividend Declared & credited on a quarterly basis

A simple illustration PRUguard my family Age Next Birthday Protection Benefits Basic Benefits [Total & Permanent Disability or Death] Sum Assured : RM33,000 Add-on Benefits [Crisis Cover Benefit] Sum

6 A simple illustration PRUguard my family Age Next Birthday Protection Benefits Basic Benefits [Total & Permanent Disability or Death] Sum Assured : RM33,000 Add-on Benefits [Crisis Cover Benefit] Sum Assured : RM33,000 Add-on Benefits [Accidental Death and Disablement] Sum Assured : RM33,000 [Compassionate Allowance] Natural Death : RM5,000 Accidental Death : RM10,000 Total Father 35 years old RM9.77/12 = RM0.81 ( RM0.81 X 33 ) RM RM7.50/12 = RM0.62 ( RM0.62 X 33 ) RM RM/12 = ( x 33 ) RM50.16 Mother 32 years old RM9.77/12 = RM0.81 ( RM0.81 X 33 ) RM RM7.50/12 = RM0.62 ( RM0.62 X 33 ) RM RM/12 = ( x 33 ) RM50.16 Child 1 5 years old RM6.58/12 = RM0.55 ( RM0.55 X 33 ) RM RM3.58/12 = RM0.30 ( RM0.30 X 33 ) RM 9.90 RM/12 = ( x 33 ) RM31.02 Child 2 3 years old RM6.58/12 = RM0.55 ( RM0.55 X 33 ) RM RM3.58/12 = RM0.30 ( RM0.30 X 33 ) RM 9.90 RM/12 = ( x 33 ) RM31.02 Total For The Family Parents : RM Children : RM62.04 RM Annual Premium Rates Age n.b Basic Benefit (per 1,000 SA) CCB (per 1,000 SA) ADD (per 1,000 SA) PRUguard my lady ML 25 ML 50 ML 75 ML , , , , , , , , , , The premium rate for Occupation Class 3 is 1.25 times of the premium for occupation Class 1 & 2. Age n.b MM 100 (RM) Monthly Annual , , , , PRUguard my medical (For Occ. Class 1&2) MM 150 (RM) MM 200 (RM) MM 300 (RM) MM 400 (RM) Annual Monthly Annual Monthly Annual Monthly Annual , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Monthly Please note that premiums for Add-on and Enchanced Benefits are not guaranteed.

Important Notes i. Premium rates and insurance charges for basic coverage for death / TPD are guaranteed.

The Company reserves the right to revise premium rates and charges (except insurance charge for Death and TPD benefits) at policy anniversary by giving a 90-day prior notice if the actual claims

You should assess the affordability and suitability of the product (including optional benefits) in relation to your financial goals and risk appetite.

7 Important Notes i. Premium rates and insurance charges for basic coverage for death / TPD are guaranteed. However, premium rates and insurance charges for other benefits and service charges are not guaranteed. The Company reserves the right to revise premium rates and charges (except insurance charge for Death and TPD benefits) at policy anniversary by giving a 90-day prior notice if the actual claims experience is worse than expected (or 30-day prior notice for PRUmajor med 5). ii. You should assess the affordability and suitability of the product (including optional benefits) in relation to your financial goals and risk appetite. To achieve this, we recommend you speak to your agent or Wealth Planner who will perform a needs analysis and assist you in making an informed decision. iii. If you cancel the policy in the early years, you may not be able to obtain the full value from the amount you have paid up. Upon surrender, the various benefits under this plan will cease. iv. Whilst the Add-on and Enhanced Benefits will provide you with additional coverage, they however may incur additional charges which may result in lower value in the Policy Account. v. There is a free-look period of 15 days after the delivery of your policy to allow you to review and ensure that it meets your needs. If the policy is cancelled within this period, the premiums paid less medical expenses will be refunded. vi. This leaflet is for illustrative purposes only. You are advised to refer to the Prudential Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan. vii. Prudential Assurance Malaysia Berhad (PAMB) is an insurance company licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia. Get comprehensive yet affordable protection today! For personal assistance, please call , us at customer.mys@prudential.com.my or contact your friendly Prudential representative. Prudential Assurance Malaysia Berhad ( U) Menara Prudential, 10 Jalan Sultan Ismail, Kuala Lumpur, Malaysia. Tel: (03) Fax:(03) customer.mys@prudential.com.my 09/2017

PRUmy child INVESTMENT-LINKED INSURANCE. I have peace of mind knowing that all my hopes, wishes and dreams for my child are well secured.

PRUmy child INVESTMENT-LINKED INSURANCE I have peace of mind knowing that all my hopes, wishes and dreams for my child are well secured. Secure your child s future with a complete protection and education