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Benefits
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Details
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Payor Basic | Payor Basic pays the Insurance Premium and PRUAllocator Premium (if any) upon Life Assured suffering from TPD6 or diagnosis of a covered Critical Illness. Provided the policy is in force, this benefit will be payable until the end of the premium payment period. |
Payor Saver | Payor Saver pays the Investment Premium upon Life Assured suffering from TPD6 or diagnosis of a covered Critical Illness. Provided the policy is in force, this benefit will be payable until the end of the premium payment period. |
Spouse Payor Basic | Spouse Payor Basic pays the Insurance Premium and PRUAllocator Premium (if any) upon Life Assured’s spouse suffering from TPD6, death or diagnosis of a covered Critical Illness. Provided the policy is in force, this benefit will be payable until the end of the premium payment period. |
Spouse Payor Saver | Spouse Payor Saver pays the Investment Premium upon Life Assured’s spouse suffering from TPD6, death or diagnosis of a covered Critical Illness. Provided the policy is in force, this benefit will be payable until the end of the premium payment period. |
Parent Payor Basic | Parent Payor Basic pays the Insurance Premium and PRUAllocator Premium (if any) upon Life Assured’s parent suffering from TPD6, death or diagnosis of a covered Critical Illness. Provided the policy is in force, this benefit will be payable until the end of the premium payment period or the Policy Anniversary of Life Assured’s age next birthday 25, whichever is earlier. |
Parent Payor Saver | Parent Payor Saver pays the Investment Premium upon Life Assured’s parent suffering from TPD6, death or diagnosis of a covered Critical Illness. Provided the policy is in force, this benefit will be payable until the end of the premium payment period or the Policy Anniversary of Life Assured’s age next birthday 25, whichever is earlier. |
1Accidental Death Benefit and TPD Benefit are available prior to the Policy Anniversary of Life Assured’s age next birthday 70, while the policy is in force.
2The Basic Sum Assured is subject to any decrease of sum assured due to accelerated sum assured paid out under Accelerating Critical Illness Benefit and any reduction due to Partial Withdrawal from Basic Unit Account (BUA).
3PRUSignature Vanguard offers a selection of different policy term options up to age next birthday 80, 90 or 100 (where applicable). This plan comes with Extension of Coverage Term to extend the term of basic plan up to the Policy Anniversary of Life Assured’s age next birthday 100. For rider(s), if applicable, the rider’s term will be extended up to the Policy Anniversary of Life Assured’s age next birthday 100 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.
4Loyalty Bonus and Loyalty Booster are payable subject to terms and conditions, and provided that the policy is still in force.
5Accelerating Critical Illness Benefit is available prior to the Policy Anniversary of Life Assured’s age next birthday 100 or expiry of policy, whichever is earlier.
6Refer to TPD event prior to the Policy Anniversary of insured life’s age next birthday 70 or expiry of the rider, whichever is earlier.
Disclaimer
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 http://www.pidm.gov.my).