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PRUsignature infinite Make wealth preservation your priority

Protection and potential returns to increase your sense of wellbeing

Safeguard your loved ones with a plan that multiplies in value to maximise protection.  

1Only for cases with statutory trust [for non-Muslim policy owner, a trust can be created when the policy is nominated to Spouse, Children or Parent (if no spouse or child). Under such circumstance, the designated beneficiaries can receive the monies under the trust policy]. Creditor proof means that the creditors will not be able to directly claim the insurance money to pay off debts. However, any debts outstanding will still need to be settled, whether by liquidating other assets or utilising the insurance money.
2Applicable for entry age 1 to 60 years old next birthday.
3The 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 may be required for continuous coverage up to policy anniversary of age 100 next birthday.
4Administration charge, service charge, partial withdrawal charge, fund switching fee, and top-up charge are subject to taxes, if any. Please refer to the Product Disclosure Sheet and Sales Illustration for implications of taxes.
5Partial withdrawal from BUA is not applicable until the 6th Policy Year onwards.

PRUsignature infinite provides protection levels that make you feel safe

More details on PRUsignature infinite
Age of Entry 1 to 70 years old Age Next Birthday (ANB)
Premium Payment Term 3 years, 5 years, 10 years or 20 years2
Policy Term Up to 100 years old3 ANB
Premium Payment Frequency / Mode Monthly, quarterly, half-yearly or yearly via auto debit or credit card
Sum Assured Multiplier, SAM

(Basic Sum Assured is derived based on SAM x annualised BUA premium)

Age Next Birthday Premium Payment Terms
(ANB) 3 Years 5 Years 10 Years 20 Years
1 – 18 12X 20X 35X 45X
19 – 25 20X 35X 35X 45X
26 – 35 15X 25X 30X 40X
36 – 45 12X 20X 25X 35X
46 – 55 8X 12X 15X 25X
56 – 60 6X 10X 12X 22X
61 – 65 5X 8X 12X N/A
66 and above 4X 6X 10X N/A
Size of Premium Premium Payment Term Minimum Premium
3 years RM50,000 per year
5 years RM40,000 per year
10 years RM12,000 per year
20 years RM8,000 per year
Maximum: Subject to underwriting
Benefits to expect with PRUsignature infinite
Death Benefit

(Basic Sum Assured is derived based on SAM x annualised BUA premium)

Entry Age: 1 to 50 years old ANB
Death at age 70 next birthday or below

Higher of:

Basic Sum Assured

OR

Total Account Value

Death at age 71  next birthday or above

Higher of:

Total Account Value

OR

RM5,000

Entry Age: 51 to 70 years old ANB
Policy Year 1 – 20

Higher of:

Basic Sum Assured

OR

Total Account Value

Policy Year 21 and above

Higher of:

Total Account Value

OR

RM5,000

Total and Permanent Disability (TPD) Benefit

(TPD benefit is available before policy anniversary of age 70 next birthday)

Higher of:

Basic Sum Assured OR Total Account Value

Maturity Benefit Total Account Value at policy anniversary of the Life Assured’s age 100 next birthday
Charges applicable to PRUsignature infinite
Administration Charge4 Deducted monthly from BUA to meet insurer’s policy expenses and direct distribution cost, including commission payable to the Bank.

% of administration charge (based on BUA account value + total BUA premium due but unpaid) according to the policy year is as illustrated below:

Policy Year Premium Payment Terms
3 Years / 5 Years 10 Years 20 Years
1 3.6% p.a. 3. 6% p.a. 2.2% p.a.
2
3
4
5
6 None
7
8 None  None
9
10
Insurance Charge A monthly insurance charge is levied depending on your attained age, gender, smoking status, occupational class, coverage selected and underwriting condition, among other factors.
Service Charge4  RM5 per month (for auto debit/credit card)
Fund Management Charge Annual management fee (% of investment fund) deducted to cover cost of managing the investment fund. Varies depending on the fund selected. Please refer to the respective Fund Fact Sheet(s).
Partial Withdrawal Charge4/ Surrender Charge For each partial withdrawal made [regardless of partial withdrawal made from BUA5 or Investment Unit Account (IUA)], a charge of RM25 will be imposed.

On top of that, for any partial withdrawal made from BUA, an additional charge might be imposed. Please refer to the table below for the additional charges.

Additional partial withdrawal / surrender charge (based on % of BUA account value) is illustrated below.

Policy Year Premium Payment Terms
3 Years / 5 Years 10 Years 20 Years
1 20% 35% 60%
2 15% 22% 30%
3 10% 16% 20%
4 5% 11% 15%
5 2% 7% 12%
6 None 3% 10%
7 1% 8%
8  None 6%
9 4%
10 2%
Fund Switching Fee4 Four free switches per policy year. Thereafter, minimum of 1.00% of the switched amount or RM50.
Top-up Charge4 RM25 will be charged for each Single Premium Top-up.

Important Notices & Disclaimer

PRUsignature infinite is underwritten by Prudential Assurance Malaysia Berhad (“PAMB”) and distributed by Standard Chartered Bank (Malaysia) Berhad (“The Bank”). You should assess the affordability and suitability of the product (including optional riders) in relation to your financial goals and risk appetite. To achieve that, we recommend that you speak to your Prudential/Bank Representative who will perform a needs analysis and assist you in making an informed decision. This presentation is for illustrative purpose only. Please refer to the PRUsignature infinite brochure (if any), Product Disclosure Sheet and Sales Illustrations before purchasing a plan, and to the terms and conditions in the policy document for details of the important features of the plan. The Bank is a distributor only and accepts no responsibility or liability for the plan or products and services offered PAMB.

Prudential Assurance Malaysia Berhad

Member of PIDM

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 the 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, click here to visit the PIDM website, or call the PIDM toll free line (1-800-88-1266).

This plan is underwritten by:

Prudential Assurance Malaysia Berhad (107655-U)
Menara Prudential
10, Jalan Sultan Ismail
50250 Kuala Lumpur

This plan is distributed by:

Standard Chartered Bank Malaysia Berhad (115793-P)
Level 16, Menara Standard Chartered
30, Jalan Sultan Ismail
50250 Kuala Lumpur

This fund is distributed by Standard Chartered Bank Malaysia Berhad, a multi-award recipient for BENCHMARK Wealth Management Awards Affluent Banking Malaysia 2017 in Outstanding Achiever for Investment Platform, Product Due Diligence, Product Innovation and Best in Class for Bancassurance, and Risk and Compliance, as well as in Campaign of the Year.