INVESTMENT-LINKED INSURANCE

INVESTMENT-LINKED INSURANCE

How do you define your wealth? The size of your bank accounts, or perhaps the number of your assets? Those are valid definitions, but that s not all. True wealth lies in the legacy you leave behind. Financial security for your family, the strength for your loved ones to carry on when you re no longer around, or even sparks of inspiration to guide your loved ones towards success. While many people usually give much thought to building and planning their future in good times, fewer people strategise about protecting their family when tragedy unexpectedly strikes. What can you do to protect your family?

Leave a legacy of protection for your loved ones with PRUwealth With Prudential s PRUwealth, you are just a step away from safeguarding your legacy for your family s future. PRUwealth is an investment-linked insurance plan that has the flexibility to be with you up to age 100 (1) and provides greater insurance protection of up to 4 times (4X) the coverage. As you stay covered, PRUwealth further rewards you with Loyalty Bonus and Loyalty Booster. With PRUwealth, create a lasting impact in your loved ones lives. Protect and leave a legacy that will outlive you. (1) The policy coverage term shall depend on the policy having sufficient account value to cover all the policy charges. To ensure that the policy has sufficient account value, additional premiums are likely required for continuous coverage up to age 100.

Benefits at a glance With you up to age 100 (2) PRUwealth allows you to protect your legacy by providing you the flexibility to have insurance protection up to age 100 (2), giving you and your loved ones unparalleled protection. PRUwealth further allows you to add on optional riders such 3xas critical illness riders and payor riders for further peace of mind. Coverage when you need it most 2x Enjoy extensive insurance coverage up to 4X the coverage amount in the occurrence of an unfortunate event as per below: Pays 100% of the coverage amount upon death or Total and Permanent Disability (TPD) (3). Pays 200% of the coverage amount upon death due to accident (3). Pays 300% of the coverage amount upon death due to accident (3) from commuting in public conveyance, an elevator car or due to fire while in a public building. Pays 400% of the coverage amount upon death due to accident (3) occurring outside of Malaysia. The coverage amount payable shall be the higher of the Sum Assured or the cash value of the Basic Unit Account (BUA) and Protection Unit Account (PUA). Also, all remaining cash values in the Investment Unit Account (IUA) shall be payable upon death. Extra coverage for infectious diseases For each diagnosis of infectious disease in Category A (4) For each hospitalisation of infectious disease in Category B (4)

Loyalty rewards along the way As you stay covered with PRUwealth, you will be rewarded with Loyalty Bonus (5) of RM500 once every 2 years starting from the 10 th policy year onwards. A further one-off Loyalty Booster (5) equivalent to 8% of the Sum Assured shall be payable on the Policy Anniversary Date when you reach age 70, 80 or 90 depending on your entry age as shown below: ENTRY AGE LOYALTY BONUS PAYOUT TERM LOYALTY BOOSTER PAYOUT AGE Age 19-50 Age 51-65 Age 66-70 Once every 2 years starting from the 10 th policy year onwards Age 70 Age 80 Age 90 Total control Take full control of PRUwealth with 4 premium payment terms of 5 years, 10 years, 20 years or throughout the policy term. PRUwealth further offers you the flexibility to control your coverage term by way of adjusting your premium amount or making single premium top-ups. Guaranteed protection for the initial crucial years PRUwealth comes with a built-in No-lapse Provision (6) feature, which allows you to enjoy continuous protection during the first crucial 72 months regardless of market performance. Investment opportunities PRUwealth offers you the opportunities to invest in both local and global markets through our PRUlink and/or PRUlink global funds. Further enhance your cash value by investing regularly with the PRUsaver rider. (2) The policy coverage term shall depend on the policy having sufficient account value to cover all the policy charges. To ensure that the policy has sufficient account value, additional premiums are likely required for continuous coverage up to age 100. (3) TPD and Accidental Death coverage is available prior to the Policy Anniversary Date of age 70. (4) Infectious disease coverage is available prior to the Policy Anniversary Date of age 70. Please refer to the next section for the list of covered infectious diseases. (5) The Loyalty Bonus is equivalent to RM100 per RM100,000 of Sum Assured. Both Loyalty Bonus and Loyalty Booster shall depend on the Sum Assured and be payable into BUA, provided that the policy is still inforce and all premiums due are paid. (6) Provided that all premiums are paid and no withdrawals have been made from the BUA and PUA.

Overview *Note the policy coverage term and benefits payable shall depend on the policy having sufficient account value to cover all the policy charges. To ensure that the policy has sufficient account value, additional premiums are likely required for continuous coverage up to age 100. All about PRUwealth 1. What is PRUwealth? PRUwealth is a regular premium investment-linked plan that covers Total and Permanent Disability (TPD) and Accidental Death before the Policy Anniversary Date of age 70, and death of the Life Assured. It also offers coverage on infectious diseases before the Policy Anniversary Date of age 70, whereby it pays a lump sum benefit upon the diagnosis or hospitalisation of a covered disease. PRUwealth further rewards you with Loyalty Bonus and Loyalty Booster.

2. How do I enjoy continuous coverage up to age 100? PRUwealth s coverage term shall depend on the policy having sufficient account value to cover all the policy charges such as insurance charges, other fees and charges which are deducted from the account value. To ensure that the policy has sufficient account value, additional premiums are likely required for continuous coverage up to age 100. 3. Who can take up this plan? PRUwealth is available to anyone aged from 19 to 70 years old. At maturity or upon surrendering, we will pay you the value of units in your policy. 4. What are the covered infectious diseases under PRUwealth? The list of covered infectious diseases are as follows where multiple claims can be made under each category, provided that each infectious disease is only claimable once. CATEGORY A RM5,000 for each diagnosis Measles Hand, Foot and Mouth Disease Chikungunya Fever Typhoid Fever Rabies CATEGORY B RM10,000 for each hospitalisation Zika Virus MERS-CoV Ebola SARS Influenza A - Avian Influenza A(H7N9) & A(H5N1) Nipah Virus Encephalitis Japanese Encephalitis Creutzfeldt-Jakob Disease Malaria

5. How do the Loyalty Bonus and Loyalty Booster work? Take an example of Philip, aged 35 who buys PRUwealth with a Sum Assured of RM1,000,000. He will enjoy a stream of Loyalty Bonus of RM1,000 once every 2 years starting from the 10 th policy year onwards. Upon reaching age 70, he will be rewarded with a one-off Loyalty Booster of RM80,000 on the Policy Anniversary Date. *Note the Loyalty Bonus is equivalent to RM100 per RM100,000 of Sum Assured and Loyalty Booster is equivalent to 8% of Sum Assured. Both Loyalty Bonus and Loyalty Booster shall depend on the Sum Assured and be payable into Basic Unit Account (BUA), provided that the policy is still inforce and all premiums due are paid. 6. What are the waiting periods that I should be aware of? There is no waiting period for the death and TPD coverage under PRUwealth. However, the coverage on infectious diseases can only be exercised after 90 days. The waiting periods for other optional riders are detailed in the Product Disclosure Sheet and Sales Illustration.

7. What are the major exclusions for PRUwealth? If death is due to suicide within one year of the commencement date of the policy or the date on which the policy is revived, only the account value shall be payable. TPD benefit is not payable if the disability is directly or indirectly caused by: a) pre-existing conditions; or b) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or c) any traveling in an aircraft other than as a pilot or a member of a crew or a fare-paying passenger in a commercial aircraft licensed for passenger service on scheduled flights over established routes only; or d) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such similar activities. This policy does not cover pre-existing conditions. *Note this list is non-exhaustive. Please refer to the policy document for more details about the major exclusions under this policy. 8. How do I find out more about PRUwealth? Should you require additional information about PRUwealth, you may speak to your agent or Wealth Planner. Alternatively you could visit our website at www.prudential.com.my for more details.

Important Notes: The policy coverage term shall depend on the policy having sufficient account value to cover all the policy charges. To ensure that the policy has sufficient account value, additional premiums are likely required for continuous coverage up to age 100. This brochure is for illustrative purposes only. You are advised to refer to Prudential s Product Disclosure Sheet and Sales Illustration before purchasing the plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan. 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 that you speak to your agent or Wealth Planner who will perform a needs analysis and assist you in making an informed decision. There is a free-look period of 15 days after the delivery of your policy to allow you to review it if it meets your needs. If the policy is cancelled within this period, we will refund you the value of units (at the next pricing date) plus the premiums that are not invested, insurance charges, service charge, processing charge (if any), Goods and Services Tax (GST, if any) that we have deducted, less medical expenses that we may have already paid or agreed to pay. PRUwealth is not a Shariah-compliant product. Any age reference shall be on the basis of Age Next Birthday. Coverage terms for payor riders is up to age 70 or 80. Details of the fees and charges charged for providing the insurance coverage and its optional riders are detailed in the Product Disclosure Sheet and Sales Illustration. Premium rates and insurance charges for the Basic Benefit and other add-on benefits are not guaranteed. We reserve the right to revise these non-guaranteed premium rates and insurance charges at policy anniversary by giving you at least 3 months written notice. If we increase the insurance charge after the premium payment term, you may need to pay an additional premium or top-up. Non-payment of premiums may cause this policy to lapse. Should you stop paying premiums, the policy may continue for as long as there are sufficient units in the respective accounts. Therefore, depending on the amount of units available in these selected accounts, benefits of the plan may lapse and cease to be in-force at different points in time.

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 to us. When you surrender the policy, all benefits in the policy will be terminated. For more information on the funds, please refer to their respective Fund Fact Sheets available on our website at www.prudential.com.my. You may also track the performance of your funds by checking the unit prices published daily on our website. Prudential Assurance Malaysia Berhad (PAMB) is an insurance company licensed under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia. PLEASE NOTE THAT THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS. Prudential Assurance Malaysia Berhad Member of PIDM Prudential Assurance Malaysia Berhad (PAMB) is a member of Perbadanan Insurans Deposit Malaysia (PIDM). As a member of PIDM, some of the benefits insured under the insurance policies offered by PAMB are protected against loss of part or all of insurance benefits by PIDM, in the unlikely event of an insurer member failure. For further details of the protection limits and the scope of coverage, please obtain a PIDM information brochure from PAMB or visit PIDM website (www.pidm.gov.my) or call PIDM toll-free line (1-800-88-1266).

CC&Associates Group Mr. Malik T. Mr. Charles S. Ms. Chong Hotline +6016-222-9063 Prudential Assurance Malaysia Berhad (107655-U) Menara Prudential, 10 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia. Tel: 03-2116 0228 Fax: 03-2032 3939 Email: customer.mys@prudential.com.my www.prudential.com.my 05/2017