PRUlife ready

Specially prepared for:

Audrey Valeria

Prepared by: HONG YU HWA

Prudential Assurance Malaysia Berhad (PAMB) is a licensed insurance company and is regulated by Bank Negara Malaysia (BNM).
 PRUDENTIAL ASSURANCE MALAYSIA BERHAD
Product Disclosure Sheet for PRUlife ready

Please read this Product Disclosure Sheet before you decide to take up PRUlife ready. Be sure to also read the general terms and
conditions. The information provided in this disclosure sheet is valid as at 28/08/2015.
1. What is this product about?
PRUlife ready is a regular premium investment-linked insurance policy (ILIP). The basic plan offers a combination of insurance protection and
investment. It pays a lump sum death benefit (i.e. the basic sum assured) and the value of the investment units should you suffer from TPD before age
70 or pass away. In addition to the basic plan, you can choose from a range of optional and add-on benefits to suit your budget and prevailing needs
for other covers, subject to additional premium.
The value of the ILIP depends on the price of underlying units, which in turn depends on the performance of the fund(s) invested.
2. What are the benefits provided?

Benefit Amount Benefit Amount

Death Benefit Medical Benefit (1) PRUhealth
RM 50,000 plus the total Room & Board NA
Lump sum investment value
Medical Reimbursement NA
Total & Permanent Disability Benefit
i) Hospital and Surgical Benefit
Lump sum RM 50,000
ii) Outpatient Treatment Benefit
Income NA
Reimbursement up to
Critical Illness Benefit i) Annual limit on benefits payable NA
Lump sum RM 50,000 ii) Aggregate lifetime limit payable NA
Early Critical Illness NA
No claims bonus NA
Income NA Auto upgrade to next higher plan
NA
Accidental Benefit (on 5th and 10 th rider's anniversary)

Accidental death/injury Up to RM 50,000 Auto switch to coinsurance plan at NA

age 55
Accidental Medical Reimbursement Up to RM2,000 per accident Medical Benefit (2) PRUmedic overseas
Accidental Income
i)Temporary Total Disability NA Medical Reimbursement
ii)Temporary Partial Disability NA i) Hospital & Surgical Benefit NA
iii) Confinement in government hospital NA ii) Outpatient Treatment Benefit

Payor Benefit Reimbursement up to

Payor on life assured's life RM 2,100 p.a. i) Annual limits on benefits payable NA
ii) Aggregate lifetime limit payable
Payor on spouse's life NA
Well-being benefit NA
Medical Benefit (3) PRUvalue med
Room & Board Reimburse up to RM 200 per
day

Medical Reimbursement

i) Hospital & Surgical Benefit* As Charged

ii) Outpatient Treatment Benefit* As Charged
- Outpatient Cancer Treatment* As charged, combined up to
- Outpatient Kidney Dialysis * RM 1,500,000 per lifetime

iii) Other Benefits

- Maternity Complications Benefits* Up to RM 5,000 per year
- Intraocular Lens Up to RM 6,000 per lifetime
- Emergency Treatment for Up to RM 2,000 per year
Accidental Injury*

Med Value Point** RM 1,000,000

* If Med Saver is selected, you must first pay a fixed amount of RM300
upon claims except for Room & Board and Intraocular Lens. However,
you will enjoy the premium/insurance charges savings by selecting
Med Saver in which the savings may be used for investment or other
different needs.
** When total claims exceed the Med Value Point, the company will still
be liable to pay 80% of the total cost of the eligible benefit.
 Fund invested:
Local Funds
PRUlink equity fund : 50% PRUlink managed fund II : 0% PRUlink bond fund : 50%
PRUlink dana unggul : 0% : 0% PRUlink dana aman : 0%
PRUlink dana urus II

Global Funds
PRUlink Asia property securities fund : 0% PRUlink Asia local bond fund : 0% PRUlink dragon peacock fund : 0%
PRUlink Asia managed fund : 0% PRUlink global market navigator fund : 0% PRUlink Asia equity fund : 0%

Reminder : Please refer to the sales illustration for more information about the benefits of the basic plan and its optional and add-on benefits, as
well as the objectives of the investment-linked fund. It is important to select a plan or a combination of funds that suit your financial goals and risk
profile.
3. How much premium do I have to pay?
The total premium that you have to pay and the policy terms may vary depending on the underwriting requirements of the insurance company. The
estimated total premium that you have to pay is RM175.00 monthly. You are given one month's grace period after the due date for the payment of
premium.
The insurance company allocates a portion of the premium to purchase units in the investment-linked fund(s). Any unallocated amount will be used to
pay commissions to agent/ wealth planner and other expenses of the insurance company. You are advised to refer to the allocation rates given in the
sales illustration.
4. What are the fees, charges and taxes I have to pay?
The insurance coverage charges are deducted monthly from the value of your units. The insurance charges will increase as you grow older. Details of
the insurance charges for the ILIP are given in the sales illustration.
Other fees, charges and taxes are as follows:
Service charge of RM5.30 per month.
Fund switch fee is set at 1.06% subject to a maximum of RM53. Four free switches are allowed every year.
Top-up incurs a one-off fee of RM26.50.
Fund management charge levied will depend on the fund(s) invested. Details of fund management charge are given in the sales illustration.
The fees and charges shown above are inclusive of 6% Goods and Services Tax (GST). GST at 6% or the prevailing rate may be charged on any
of the premiums, charges (such as insurance charges, service charges and any other charges, where applicable) or other payments due and
payable under this policy. Please refer to the Sales Illustrations for implications of GST.

Note: We may change the fees and charges above at policy anniversary by giving a 90-day notice to you (30 days for medical benefits and
hospitalisation income benefits) except for Fund Management Charge that we may change it from time to time.
5. What are some of the key terms and conditions that I should be aware of?
Importance of disclosure - when answering any question asked by us, you must disclose all relevant facts such as medical condition and state
your age correctly. If the insurance policy is intended wholly for your personal purposes, you must take reasonable care to disclose any facts
that you know to be relevant to us and not to mislead us.
Your above duty of disclosure continues until the policy is issued.
Free-look period - you may cancel your ILIP by returning the policy within 15 days after the policy has been delivered to you. The insurance
company will refund to you the unallocated premiums, the value of units that have been allocated (if any) at unit price at the next valuation date and
any insurance charge, Goods and Services Tax (if any), and other charges that have been deducted less any medical fee incurred.
Cash value- the cash value of the ILIP depends on the performance of the investment-linked fund(s) invested. The higher the level of Insurance
coverage selected, the more units will be absorbed to pay for the insurance charges and the fewer units will remain to accumulate cash values under
your policy. You should consider whether the allocation of insurance premiums towards protection and investment meets your financial
circumstances.
Policy lapse - The ILIP will lapse when the value of investment units is insufficient to pay for the insurance and other charges.
Waiting period (if applicable)
the eligibility for benefits under the policy will only start after the waiting period below from the effective date of the policy.
Benefit Conditions Waiting Period
Critical Illness & Payor Benefit Heart attack, coronary artery disease and cancer 60 days
All other illnesses 30 days

Early Critical Illness Benefit Low and medium severity illnesses 90 days
Special Benefit 60 days

Specified illnesses 120 days

Medical Benefit
All other illnesses 30 days

Maternity Complications 365 days

Hospitalisation due to accidents Immediately

Accidental Benefit All conditions Immediately

Goal Achievement Benefit All conditions 3 years

 Deductible/Coinsurance for medical benefits (if applicable)
(1) PRUhealth
You will have to pay 10% of the total cost of an eligible benefit (excluding daily room & board), subject to minimum coinsurance amount of RM300
and maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit and maximum coinsurance amount of RM2,000 for Outpatient
Treatment Benefit. We reserve the right to revise the minimum and maximum coinsurance amount at policy anniversary, by giving 30 day notice.
(2) PRUmedic overseas
We will bear the total cost of an eligible benefit up to annual limit for treatment/ hospitalisation of covered conditions in Singapore, Hong Kong and
China.
(3) PRUvalue med

We will bear the reasonable and customary cost of the eligible benefit. If Med Saver is selected, you must first pay a fixed amount of RM300
upon claims except for Room & Board and Intraocular Lens.
We will still be liable to pay 80% of the total cost of the eligible benefit if the total benefits that are paid to you throughout the policy years
exceeds the Med Value Point stipulated in the table of benefits in item 2 above.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions under this policy.

6. What are the major exclusions under this policy?

If it is a suicide within the first year from the commencement date of the policy or the date of policy revival, we shall pay the sum of value of units at the
valuation date after the date of notification.
Total and permanent disability benefit is not payable if the disability is directly or indirectly caused by
(a) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or
(b) 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
(c) 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 condition

Note: This list is non-exhaustive. Please refer to the policy contract for more details about the major exclusions under this policy.

7. Can I cancel my policy?

Buying a regular premium ILIP is a long-term commitment. It is not advisable to hold this policy for a short period of time in view of the high initial
costs. If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch fund. You are allowed 4 switches per year
without any fee. For additional switches, you may be charged a processing fee. You may cancel your policy by giving a written notice to the
insurance company. Upon cancellation, you are entitled to receive the value of the investment units.

8. What do I need to do if there are changes to my contact details?

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.
9. Where can I get further information?
Should you require additional information about investment-linked insurance and medical & health insurance, please refer to the insuranceinfo
booklet on Investment-Linked Insurance and Medical & Health Insurance, available at all our branches or you can obtain a copy from your insurance
agent/ wealth planner or visit www.insuranceinfo.com.my . If you have any enquiries, please contact us at:
Prudential Assurance Malaysia Berhad
Menara Prudential, 10 Jalan Sultan Ismail,
50250 Kuala Lumpur, Malaysia.
Tel: 03-2031 8228 Fax: 03-2032 3939
E-mail: customer.mys@prudential.com.my
10. Other similar types of plan available
Please ask your insurer/agent/wealth planner for other similar types of plans offered by the insurer.
IMPORTANT NOTE:
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. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT
THE INVESTMENT-LINKED INSURANCE PLAN CHOSEN MEET YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE PREMIUM
THROUGHOUT THE POLICY DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE
ADDITIONAL PREMIUMS AS 'TOP UPS'. RETURN ON AN INVESTMENT-LINKED FUND IS NOT GUARANTEED. YOU SHOULD READ AND
UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR
MORE INFORMATION. IT IS IMPORTANT THAT ANY RECEIPT THAT YOU RECEIVE SHOULD BE KEPT AS PROOF OF PAYMENT OF
PREMIUMS.
 PRUDENTIAL ASSURANCE MALAYSIA BERHAD
Sales Illustration for PRUlife ready

Details Life Assured's Details

Name : Audrey Valeria Plan Type : Investment-linked Insurance

Total Premium : RM 175.00

Date of birth : 29/10/1991 Payment frequency : Monthly
Payment mode : Credit Card
Age next birthday : 24
Gender : Female
Smoking status : No
Occupation class : Class 1

Fund invested:
Local Funds
PRUlink equity fund (PE) : 50% PRUlink managed fund II (PM2) : 0% PRUlink bond fund (PF) : 50%
PRUlink dana unggul (HE) : 0% PRUlink dana urus II (HM2) : 0% PRUlink dana aman (HF) : 0%

Global Funds
PRUlink Asia property securities fund (APS) : 0% PRUlink Asia local bond fund (ALB) : 0% PRUlink dragon peacock fund (DPF): 0%
PRUlink Asia managed fund (AMF) : 0% PRUlink global market navigator fund (GMN) : 0% PRUlink Asia equity fund (ASF) : 0%
Benefits:
Accounts Plan Term (Years) Sum Assured (RM) Premium (RM)
Basic Unit Account: PRUlife ready 76 50,000 28.30
Crisis Shield 76 50,000 10.50
PRUacci guard 46 50,000 7.00
Total Basic Unit Account Premium 45.80(A)

Protection Unit Account : PRUacci med 46 2,000 3.39

PRUvalue med 46 200 / Med Saver: Yes 108.04
Med Value Point:RM
1,000,000
Enhanced PRUpayor basic 76 1,980 p.a. 7.33
Enhanced PRUpayor saver 76 120 p.a. 0.44
Total Protection Unit Account Premium 119.20(B)

Investment Unit Account : PRUsaver 76 10.00(C)

Total Premium 175.00 (A+B+C)

Monthly Premium for PRUvalue med with Med Saver is RM 108.04

Monthly Premium for PRUvalue med without Med Saver is RM 136.78

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015
Version : SQSOnline - Agency ver 2.8.0.0 a Page 1 of 17
IMPORTANT:

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.

1. You should read this illustration together with the fund fact sheet(s) of the investment-linked fund(s) which you have chosen. The fund fact
sheet contains all the important information that you will need to know regarding the investment-linked fund(s).

2. For more information about the benefits of the basic plan and its optional and add-on benefits, as well as the objective of each investment-linked
fund, please refer to Appendix at the end of this sales illustration.

3. Since only 40% of the Annual Premium for the first policy year is allocated towards the purchase of units, while top-up allocates 95% of the
amount towards purchasing units, you can maximise your investment value by maintaining sufficient premium to meet your insurance benefits
and increasing your top-ups.
Minimum Annual Premium Required : RM 1,200
Minimum Top-ups allowed : RM 500
4. Therefore, if your purchase involves a premium of sizeable amount say RM5,000 and above, you should consider purchasing single
premium investment-linked policy (rather than a regular premium policy) as single premium plans offer better allocation rates for investment.
5. Your investment-linked policy will terminate if there are insufficient units in your fund to pay the required charges. Your units could be
insufficient over the years due to:
a) Poor investment return
b) Premium holiday - i.e. if you stop paying premiums for a long period of time.
c) High insurance charges if you buy a lot of optional and add-on benefits, and especially if the charges are increasing over time as you get
older.
6. The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your insurance agent/ wealth
planner or insurance company on your tolerance to risk.

WARNING:
YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED
FUND VALUE IS NOT ENOUGH TO PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN
YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR PREMIUMS OR REDUCE THE LEVEL OF INSURANCE
PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY*.

* You should ask your insurance agent/ wealth planner to explain to you about the insurance charges and its effect on your future insurance
coverage.
SUMMARY ILLUSTRATION:
1. The summary illustration in the following pages is intended to show the movements of possible cash flows for the investment and the impact
of fees and charges on cash values based on illustration below.
2. The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment fund(s).
They are neither guaranteed nor based on the past performance.
3. Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the past performance of the assets of the fund invests in. The
actual returns may even be below the projected rates or negative.

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015 Page 2 of 17
Version : SQSOnline - Agency ver 2.8.0.0 a
 Summary Illustration

Premium Total Loyalty Basic Unit Account Cash Protection Unit Account Cash Investment Unit Account
End Paid at the Value (RM) Value (RM) Cash Value (RM)
Premium Bonus
of Age Beginning Projected Projected Projected Projected
Outlay Credited Projected No Claims Projected
Policy Year (RM) Investment Investment Investment
(RM) Investment Bonus Investment Investment
Year Return Return Return Return
Return Credited Return
(X%) (Y%) (X%) (Y%) (X%) (Y%)
1 25 2,100 2,100 0 0 0 0 0 0 28 27
2 26 2,100 4,200 0 76 74 0 0 0 148 143
3 27 2,100 6,300 0 218 209 119 116 0 275 260
4 28 2,100 8,400 0 417 394 389 374 0 410 380
5 29 2,100 10,500 0 721 672 961 915 0 554 502
6 30 2,100 12,600 0 1,043 953 1,567 1,464 0 707 626
7 31 2,100 14,700 0 1,441 1,293 2,332 2,138 0 870 752
8 32 2,100 16,800 0 1,864 1,639 3,140 2,819 0 1,043 880
9 33 2,100 18,900 0 2,312 1,989 3,997 3,511 0 1,228 1,010
10 34 2,100 21,000 99 2,814 2,371 4,979 4,284 0 1,424 1,143
11 35 2,100 23,100 0 3,317 2,730 5,948 4,995 0 1,632 1,278
12 36 2,100 25,200 0 3,850 3,091 6,901 5,644 0 1,854 1,416
13 37 2,100 27,300 99 4,440 3,483 7,970 6,359 0 2,090 1,556
14 38 2,100 29,400 0 5,038 3,853 9,034 7,014 0 2,340 1,698
15 39 2,100 31,500 0 5,671 4,225 10,162 7,677 0 2,607 1,843
16 40 2,100 33,600 99 6,366 4,626 11,432 8,422 0 2,891 1,990
17 41 2,100 35,700 0 7,073 5,002 12,536 8,937 0 3,192 2,140
18 42 2,100 37,800 0 7,818 5,377 13,669 9,421 0 3,513 2,293
19 43 2,100 39,900 99 8,626 5,776 14,938 9,979 0 3,855 2,448
20 44 2,100 42,000 0 9,441 6,137 16,209 10,466 0 4,218 2,606
21 45 2,100 44,100 0 10,066 6,483 17,174 10,953 0 4,505 2,766
22 46 2,100 46,200 99 10,720 6,839 18,074 11,345 0 4,805 2,930
23 47 2,100 48,300 0 11,344 7,145 18,893 11,628 0 5,116 3,096
24 48 2,100 50,400 0 11,962 7,426 19,733 11,903 0 5,441 3,266
25 49 2,100 52,500 99 12,600 7,706 20,665 12,242 0 5,778 3,438
26 50 2,100 54,600 0 13,198 7,927 21,550 12,502 0 6,129 3,613
27 51 2,100 56,700 0 13,780 8,111 22,241 12,539 0 6,494 3,791
28 52 2,100 58,800 99 14,370 8,283 22,974 12,591 0 6,874 3,973
29 53 2,100 60,900 0 14,902 8,378 23,645 12,553 0 7,270 4,158
30 54 2,100 63,000 0 15,404 8,422 24,328 12,499 0 7,682 4,345

Where " - " is shown in the above illustration, this indicates that the policy has ceased to be in-force under the respective projected investment returns.

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015 Page 3 of 17
Version : SQSOnline - Agency ver 2.8.0.0 a
 Summary Illustration (Continue)
Guaranteed** Non-Guaranteed
Projected Investment Return (X%) Projected Investment Return (Y%)
End of
Policy Age
Death Sum Critical Illness Sum
Year Total Cash Total Death Total Cash Total Death
Assured^ (RM) Assured (RM) Value (RM) Benefit^ (RM) Value (RM) Benefit^ (RM)

1 25 50,000 50,000 28 50,028 27 50,027

2 26 50,000 50,000 224 50,224 217 50,217
3 27 50,000 50,000 612 50,612 585 50,585
4 28 50,000 50,000 1,216 51,216 1,148 51,148
5 29 50,000 50,000 2,236 52,236 2,089 52,089
6 30 50,000 50,000 3,317 53,317 3,043 53,043
7 31 50,000 50,000 4,643 54,643 4,183 54,183
8 32 50,000 50,000 6,047 56,047 5,338 55,338
9 33 50,000 50,000 7,537 57,537 6,510 56,510
10 34 50,000 50,000 9,217 59,217 7,798 57,798
11 35 50,000 50,000 10,897 60,897 9,003 59,003
12 36 50,000 50,000 12,605 62,605 10,151 60,151
13 37 50,000 50,000 14,500 64,500 11,398 61,398
14 38 50,000 50,000 16,412 66,412 12,565 62,565
15 39 50,000 50,000 18,440 68,440 13,745 63,745
16 40 50,000 50,000 20,689 70,689 15,038 65,038
17 41 50,000 50,000 22,801 72,801 16,079 66,079
18 42 50,000 50,000 25,000 75,000 17,091 67,091
19 43 50,000 50,000 27,419 77,419 18,203 68,203
20 44 50,000 50,000 29,868 79,868 19,209 69,209
21 45 50,000 50,000 31,745 81,745 20,202 70,202
22 46 50,000 50,000 33,599 83,599 21,114 71,114
23 47 50,000 50,000 35,353 85,353 21,869 71,869
24 48 50,000 50,000 37,136 87,136 22,595 72,595
25 49 50,000 50,000 39,043 89,043 23,386 73,386
26 50 50,000 50,000 40,877 90,877 24,042 74,042
27 51 50,000 50,000 42,515 92,515 24,441 74,441
28 52 50,000 50,000 44,218 94,218 24,847 74,847
29 53 50,000 50,000 45,817 95,817 25,089 75,089
30 54 50,000 50,000 47,414 97,414 25,266 75,266

Where " - " is shown in the above illustration, this indicates that the policy has ceased to be in-force under the respective projected investment returns.
**The amount is guaranteed payable as long as the policy is in force and there are positive values in the BUA, PUA and IUA. Please see column under
Total Cash Value.
^ Provided no critical illness claim has been made.
* Only applicable for Projected Investment Return (X%) as the policy has ceased to be in-force under Projected Investment Return (Y%).

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015 Page 4 of 17
Version : SQSOnline - Agency ver 2.8.0.0 a
 Summary Illustration (Continue)
Annual Charges (RM)
Allocated Premium (RM) Projected Investment Projected Investment Other
End Medical Optional Direct
Unallocated Return X% Return Y%
of Benefit & Add-on Other 3 Distr. 2
Age Premium 1
Policy Basic Fund Basic Fund Insurance Cost
(RM) Benefit(s) Charges
BUA PUA IUA Insurance Mgmt Insurance Mgmt
Year Charge3 Insurance (RM) (RM)
Charge Charge Charge Charge (RM) Charge3
(RM) (RM) (RM) (RM) (RM)
1 25 220 572 114 1,194 63 0 63 0 667 85 64 598
2 26 275 715 114 996 63 1 63 1 692 99 64 698
3 27 330 858 114 798 63 4 63 4 697 117 64 400
4 28 385 1,001 114 600 63 9 63 9 697 130 64 500
5 29 495 1,287 114 204 63 18 63 17 697 161 64 302
6 30 495 1,287 114 204 63 28 63 26 697 164 64 302
7 31 550 1,430 114 6 63 40 63 37 724 167 64 4
8 32 550 1,430 114 6 63 54 63 48 729 167 64 4
9 33 550 1,430 114 6 63 68 63 60 729 170 64 4
10 34 550 1,430 114 6 63 84 63 72 729 174 64 4
11 35 550 1,430 114 6 63 101 63 84 729 181 64 4
12 36 550 1,430 114 6 63 118 63 96 801 186 64 4
13 37 550 1,430 114 6 63 135 63 108 816 190 64 4
14 38 550 1,430 114 6 63 154 63 120 816 194 64 4
15 39 550 1,430 114 6 63 174 63 132 816 201 64 4
16 40 550 1,430 114 6 63 195 63 144 816 207 64 4
17 41 550 1,430 114 6 63 217 63 156 986 213 64 4
18 42 550 1,430 114 6 63 239 63 166 1,020 224 64 4
19 43 550 1,430 114 6 63 261 63 176 1,020 241 64 4
20 44 550 1,430 114 6 70 286 70 187 1,020 259 64 4
21 45 550 1,430 114 6 78 308 78 197 1,020 282 64 4
22 46 550 1,430 114 6 87 326 87 206 1,183 305 64 4
23 47 550 1,430 114 6 99 344 99 215 1,216 333 64 4
24 48 550 1,430 114 6 112 362 112 222 1,216 364 64 4
25 49 550 1,430 114 6 126 380 126 229 1,216 395 64 4
26 50 550 1,430 114 6 143 399 143 237 1,216 428 64 4
27 51 550 1,430 114 6 161 416 161 242 1,428 463 64 4
28 52 550 1,430 114 6 181 432 181 246 1,471 499 64 4
29 53 550 1,430 114 6 204 449 204 249 1,471 548 64 4
30 54 550 1,430 114 6 230 465 230 252 1,471 588 64 4

1 This represents a charge to your premium and is used to meet the direct distribution cost and company's expenses.
2 Cost directly attributed to the distribution channel for the sale/ marketing of this policy, i.e. payments to agent/ wealth planner. This cost is paid from
the charges that are imposed on your policy for services that the agent/ wealth planner will provide to you for the duration of your policy. The agent/
wealth planner may also entitle to production and persistency bonus during the first three years of the policy provided that the agent/ wealth planner
meets the qualifying criteria set by insurer.
3 Inclusive of Goods and Services Tax (GST), if any.

Where - is shown in the above illustration, this indicates that the policy has cease to be in-force under the respective projected investment returns.

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015 Page 5 of 17
Version : SQSOnline - Agency ver 2.8.0.0 a
Notes: 7. Total Cash Value
Prudential believes it is important that you fully appreciate all the This is the projected value of units in Basic Unit Account, Protection
benefits under your policy, and that you also understand how the Unit Account and Investment Unit Account at the end of the policy
cost of insurance protection, distribution, administration, investment year that you may receive if you surrender the policy and is net of
and other costs affect these benefits. tax and all applicable charges.
You should assess the affordability and suitability of the product If the policy is terminated early, you may get less than the amount of
(including optional benefits) in relation to your financial goals and risk premiums paid.
appetite. To achieve this, we recommend you speak to your agent or The above illustration assumes cross support among Basic Unit
Wealth Planner who will perform a needs analysis and assist you to Account, Protection Unit Account and Investment Unit Account
make an informed decision. within the policy.
Buying a regular premium life policy is a long term commitment. It is 8. Total Death Benefit
not advisable to hold this policy for a short period of time in view of
This amount comprises Sum Assured of the Basic Assurance, Crisis
the high initial costs.
Shield Plus (if applicable) and the Cash Value of Basic Unit Account,
Should you stop paying premium, the plan may continue for as long as
Protection Unit Account and Investment Unit Account which will be
there are sufficient units in the account. The charges (insurance
payable upon your death.
charge and service charge) for the respective accounts will be
deducted through cancellation of units, subject to consent given by 9. Projected Investment Return
you. The rate of projection of benefits below assumes current law, tax, charges
PRUlife ready is not a syariah-compliant product. Please refer to policy and investment returns (per annum).
document for more details on the product. The Cash Value for the BUA, PUA and IUA after Year 20 of the policy are
The information set out below explains the individual items in the projected at a different Projected Investment Return rate.
Summary Illustration table. All premium and benefit amounts are Projected Projected Projected
stated in monetary value. The benefit is only applicable as long as Investment Investment Investment
the policy is in force. Type of Fund Return (X%) Return (X%) Return (Y%)
1. Premium Paid
First 20 years After 20 years All Years
This is the amount that you (the policyholder) pay for this policy. Please
take note that not all of the amount paid will be invested into the
Equity Fund 9% 6.0% 2%
investment-linked fund(s). Please refer to the explanation on unallocated
and allocated premium.
Managed Fund 8% 5.5% 3%
2. Basic Unit Account (BUA) Cash Value
The BUA cash value is the balance unit value of all past allocated Linked Bond Fund 7% 5.0% 4%
Premium (consists of Basic Assurance and Optional Benefit, if any) and
loyalty bonus** credited, less charge levied. The X% and Y% returns above have been used respectively to represent the
range of possible returns of Investment-linked funds. The illustrated returns
3. Protection Unit Account (PUA) Cash Value
are net after deduction of fund tax and the annual fund management charge.
The PUA cash value is the balance unit value of all past allocated Add-On It is emphasised that the X% and Y% assumptions are only for the purposes
Benefits premium and loyalty bonus** credited, less charges levied. of illustration and do not represent the upper and lower limit of the actual rate
4. Investment Unit Account (IUA) Cash Value that may occur.
Please refer to Appendix for Investment-linked Funds for more information
The IUA is the balance unit value of all past allocated PRUsaver premium, on the past actual annual investment returns of the investment-linked funds.
and no claims bonus*** credited.
10.Allocated Premium
**Loyalty bonus : We will credit 5% of annualised premium (excluding This is the amount that will be used to purchase units in the investment-
premiums for top-ups and PRUsaver premium) into units upon completion linked fund(s). Illustrated below is the premium allocation rate for a
of the 10 th policy year and every 3 years benefit term of 20 years and above. For benefit term below 20 years,
thereafter if you consistently pay your premium on a timely manner, subject the premium allocation rate will be scaled up proportionately. For
to terms and conditions stipulated in your policy document. PRUsaver and top-ups, the premium allocation is 95%.
Example: Assuming your yearly combined premium for Basic Unit
***No claims bonus (if PRUhealth is attached): The projected cash Account (BUA) and Protection Unit Account (PUA) is RM1,200 and for
value assumes no medical claims are made from PRUhealth . Note that Investment Unit Account (IUA) is RM600, your premium allocation will
if you make a claim from PRUhealth, the projected cash value will be lower be as follows:
than illustrated.
7
Policy Year 1 2 3 4 5&6
& above
5. Death Sum Assured BUA & PUA
1,200 1,200 1,200 1,200 1,200 1,200
Death Sum Assured comprises sum assured of the Basic Assurance premium
and Crisis Shield Plus (if applicable), which is the minimum amount Allocated % 40% 50% 60% 70% 90% 100%
to be received on death or TPD before age 70. Premium RM 480 600 720 840 1080 1200
6. Critical Illness Sum Assured IUA 600 600 600 600 600 600
This is the amount that will be payable upon diagnosis of a critical Premium
illness. Allocated % 95% 95% 95% 95% 95% 95%
Premium RM 570 570 570 570 570 570
This amount comprises Sum Assured of the Crisis Defender, Crisis
Shield Plus, Crisis Shield and Multiple Crisis Protector. 11. Unallocated Premium
Early Crisis Protector Sum Assured will be payable upon diagnosis of The unallocated premium charge is an upfront charge on the premium
early critical illness that are being listed in the below appendix. paid and is used to meet insurers expenses and direct distribution cost,
including commissions payable to the agent/ wealth planner.

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Date: 28 Aug, 2015 Page 6 of 17
Version : SQSOnline - Agency ver 2.8.0.0 a
 12. Charges
Insurance Charges are deducted monthly from the value of your units
to pay for your insurance coverage. The insurance charge for insurance
coverage varies by the attained age, gender, occupational class, health
condition and smoking status. The insurance charges will increase as
you grow older.
13. Total Insurance Charges More Than Premium Paid
This is an investment-linked policy and the insurance charges may increase
according to age. According to the benefits that you have purchased, the
total insurance charges charged will be more than the premium paid for that
year at the age of 52.

Other Charges include service charge, administration charge and

guarantee charge (if it applies).
Fund Management Chargerefers to the annual management fee (% of
investment-linked fund) deducted to cover cost of managing investment
fund. Please refer to Appendix for Investment-link Funds for more
information about the fund management charge for the investment-link
funds
These charges are taken out of your investment-linked fund(s).
The illustrated insurance and other charges are based on current levels.
They are not guaranteed and may be varied at policy anniversary by
giving a 90-day notice (30 days for medical benefits and hospitalisation
income benefits) except for Fund Management Charge that we may
change it from time to time.
Goods and Services Tax (GST) at 6% or the prevailing rate charged on
any of the premiums, charges (such as insurance charges, service
charges and any other charges, where applicable) or other payments
due and payable under this policy.

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Date: 28 Aug, 2015 Page 7 of 17
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Appendix: Investment-linked Funds
The investment-linked funds below are managed by the investment team of Eastspring Investments Berhad.

Investment Objective
PRUlink equity fund (PE) (Equity fund):
This fund aims to maximise returns over medium to long term by investing in high quality shares listed on the Bursa Malaysia.
PRUlink managed fund II (PM2) (Managed fund):
This fund is a managed fund that seeks to maximise returns over medium to long term. This is achieved by investing in shares and fixed interest
securities through PRUlink equity fund and PRUlink bond fund and in any other PRUlink funds that may become available in the future. The allocation
of the PRUlink managed fund II is set to 80% PRUlink equity fund and 20% PRUlink bond fund.
PRUlink bond fund (PF) (Bond fund):
This fund aims to provide medium to long term accumulation of capital, by investing in selected fixed interest securities, corporate bonds deposits and
fixed deposits.
PRUlink dana unggul (HE) (Equity fund):
This fund aims to maximise returns over medium to long term by investing in high quality Syariah-approved shares listed on the Bursa Malaysia.
PRUlink dana urus II (HM2) (Managed fund):
This fund is a managed fund that seeks to maximise returns over medium to long term. This is achieved by investing in Syariah-approved shares and
Islamic debt securities through PRUlink dana unggul and PRUlink dana aman and in any other such PRUlink Funds that may become available in the
future. The allocation of the PRUlink dana urus II is set to 80% PRUlink dana unggul and 20% PRUlink dana aman.
PRUlink dana aman (HF) (Bond fund):
This fund aims to provide medium to long term accumulation of capital by investing in selected Islamic debt securities.
PRUlink Asia property securities fund (APF) (Equity fund):
PRUlink Asia property securities fund is an actively managed fund that seeks to maximise income and long-term returns. This is achieved by investing in
listed Real Estate Investment Trusts (REITS) and property related securities of companies, which are incorporated, listed or have their area of primary
activity in the Asia Pacific region including Japan, Australia and New Zealand. The fund may also invest in depository receipts, debt securities convertible
into common shares, preference shares and warrants and through any other PRUlink global funds that may be become available in the future or
indirectly via sub funds managed by Eastspring Investments (Singapore) Limited or any other fund manager to be determined from time to time.
PRUlink Asia managed fund (AMF) (Managed fund):
PRUlink Asia managed fund is an actively managed fund that seeks to maximise returns over medium to long term. This is achieved by investing
directly in shares, fixed interest securities and money market instruments in the Asia Pacific ex Japan region and through any other PRUlink global
funds that may be become available in the future or indirectly via sub funds managed by Eastspring Investments (Singapore) Limited or any other fund
manager to be determined from time to time.
PRUlink Asia local bond fund (ALB) (Bond fund):
PRUlink Asia local bond fund is an actively managed fund that aims to maximise total returns through investing in fixed income or debt securities that
are rated as well as unrated. At inception, PRUlink Asia local bond fund will invest in a sub-fund called Eastspring Investments (Singapore) Limited
Asian Local Bond Fund managed by Eastspring Investments (Singapore) Limited. This Sub-Fund invests in a diversified portfolio consisting primarily
of fixed income/debt securities issued by Asian entities or their subsidiaries. This Sub-Funds portfolio primarily consists of securities denominated in
the various Asian currencies. The fund may also invest in any other PRUlink bond funds that may become available in the future or indirectly via other
bond funds.
PRUlink global market navigator fund (GMN) (Managed fund):
PRUlink global market navigator fund is an actively managed fund that aims to achieve positive absolute returns over the medium-term through the
implementation of an actively managed asset allocation strategy in a diversified range of global assets including cash, equities, bonds and currencies.
Exposure to each asset classes will be primarily through exchange traded funds, index futures, direct equity and bonds, swaps, options and foreign
exchange forwards, each of which may be traded through recognised exchanges or via the over-the-counter markets. The use of derivatives is for
efficient portfolio management to gain access to the markets efficiently in a cost effective manner. At inception, PRUlink global market navigator fund
will invest in a sub-fund called Eastspring Investments (Singapore) Limited Global Market Navigator Fund managed by Eastspring Investments
(Singapore) Limited. The fund may then invest in any other PRUlink absolute return funds that may become available in the future or indirectly via other
absolute return funds.
PRUlink dragon peacock fund (DPF) (Equity fund):
PRUlink dragon peacock fund is a fund that aims to maximize long-term total return by investing primarily in equity and equity related instruments of
corporations, which are incorporated in, or listed in, or operating principally from, or carrying on significant business in, or derive substantial revenue
from, or whose subsidiaries, related or associated corporations derive substantial revenue from the Peoples Republic of China (PRC) and India. At
inception, PRUlink dragon peacock fund will invest in a sub-fund called Eastspring Investments (Singapore) Limited Dragon Peacock Fund
managed by Eastspring Investments (Singapore) Limited. The investments of the Sub-Fund include, but are not limited to, listed securities in the
Recognised Markets, depository receipts including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs), debt securities
convertible into common shares, preference shares and warrants. The fund may invest in any other funds or sub funds managed by Eastspring
Investments (Singapore) Limited or any other fund managers to be determined from time to time.
PRUlink Asia equity fund (ASF) (Equity fund):
PRUlink Asia equity fund is a fund that aims to maximize long-term total return by investing in equity and equity-related securities of companies,
which are incorporated, or have their area of primary activity in Asia Pacific ex-Japan. The Asia Pacific ex-Japan region includes but is not limited to
the following countries: Korea, Taiwan, Hong Kong, Philippines, Thailand, Malaysia, Singapore, Indonesia, PRC, India, Pakistan, Australia and New
Zealand. The fund may also invest in depository receipts [including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs)],
debt securities convertible into common shares, preference shares and warrants.

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015
Version : SQSOnline - Agency ver 2.8.0.0 a
Page 8 of 17
 Fund Management Charge (FMC)
*The actual investment charge charged for PRUlink
Local Funds FMC Global Funds FMC global market navigator fund will depend on the asset
PRUlink equity fund 1.5% PRUlink Asia property securities fund 1.5% allocation of the fund, which will range from 1.00% for
PRUlink managed fund II 1.3% PRUlink Asia managed fund 1.35% allocation to money market instruments or fixed
PRUlink bond fund 0.5% PRUlink Asia local bond fund 1.0% income securities, to 1.50% for allocation to other
PRUlink dana unggul 1.5% PRUlink global market navigator fund 1.15%* assets. The actual investment charge will be
PRUlink dana urus II 1.3% PRUlink dragon peacock fund 1.5% determined on a monthly basis and will be revised
PRUlink dana aman 0.5% PRUlink Asia equity fund 1.5% whenever the proportion of fund allocated to money
market instruments or fixed income securities shift by
more than 10% since the investment charge was last
determined. The current fund management charge
used for the purpose of this sales illustration is 1.15%
p.a. based on the allocation of 70% bonds and 30%
The investment charge will be deducted at each Valuation Date. equities.
Historical Actual Annual Returns of the Funds Compared with the selected benchmarks
2010 2011 2012 2013 2014
PRUlink equity fund (PE) 21.45% 3.98% 12.33% 11.54% -3.70%
Benchmark 21.76% 1.94% 9.60% 11.39% -6.17%
PRUlink managed fund II (PM2) 18.50% 4.04% 10.48% 9.51% -2.14%
Benchmark 18.68% 2.31% 8.32% 9.75% -4.33%
PRUlink bond fund (PF) 5.67% 5.45% 4.51% 2.17% 3.45%
Benchmark 2.85% 3.04% 3.15% 3.15% 3.22%
PRUlink dana unggul (HE) 18.14% 8.01% 15.11% 16.17% -0.23%
Benchmark 18.20% 2.41% 11.85% 13.29% -4.17%
PRUlink dana urus II (HM2) 15.79% 7.31% 12.92% 12.90% 0.74%
Benchmark 15.83% 2.70% 10.11% 11.26% -2.70%
PRUlink dana aman (HF) 5.78% 5.18% 5.34% 1.18% 3.95%
Benchmark 2.85% 3.04% 3.15% 3.15% 3.22%
PRUlink Asia property securities fund (APS) 11.57% -4.08% 33.59% -0.73% 19.66%
Benchmark 9.18% -2.40% 30.25% -0.81% 19.25%
PRUlink Asia managed fund (AMF) 4.73% -11.88% 13.39% 2.49% 12.39%
Benchmark 5.76% -8.36% 16.14% 9.27% 13.22%
PRUlink Asia local bond fund (ALB) 3.67% 6.44% 6.11% -1.52% 11.10%
Benchmark 1.77% 7.75% 5.17% -0.66% 11.07%
PRUlink global market navigator fund (GMN) -1.93% -5.26% 9.40% 16.84% 6.74%
Benchmark 2.85% 3.04% 3.15% 3.15% 3.22%
PRUlink dragon peacock fund (DPF) 9.58%* -25.11% 16.46% 4.61% 19.00%
Benchmark 3.21%* -25.75% 20.68% 7.81% 23.91%
PRUlink Asia equity fund (ASF) 6.07%* -19.21% 15.65% 1.11% 12.63%
Benchmark 9.29%* -14.73% 18.37% 10.77% 12.11%

*Fund Performance is from fund launch date until year end of the same year (non- annualised return).
The benchmarks used for each funds are:
PE FTSE Bursa Malaysia Top 100
PM2 80% FBMT100 + 20% Maybank 12 month Tier 1 Fixed Deposit Rate
PF Maybank 12 month Tier 1 Fixed Deposit Rate
HE FTSE Bursa Malaysia Emas Shariah Index
HM2 80% FTSE Bursa Malaysia Emas Shariah Index + 20% 12 month Maybank Tier 1 Fixed Deposit Rate
HF Maybank 12 month Tier 1 Fixed Deposit Rate
APS MSCI AC Asia Pacific REIT**
AMF 70% MSCI Asia ex Japan Index + 30% JP Morgan Asia Credit Index
ALB HSBC Customised Index Composite
GMN Maybank 12 month Tier 1 Fixed Deposit Rate
DPF 50% MSCI China Index +50% MSCI India Index
ASF MSCI Asia ex Japan Index

** The benchmark of PRUlink Asia property securities fund will be changed from "MSCI AC Asia Pacific REIT" to
"GPR - Customized Asia Pac (Ex-Japan) Property Index" effective from 2 January 2013. The performance of the new benchmark will be tracked
thereafter.
Unit Pricing
Unit pricing is done daily.
Unit price is calculated based on the market value of the underlying assets of the fund, divided by the number of units issued.
The investment-linked funds do not pay any dividend. All investment incomes and capital gains are automatically rolled up in its unit price.
Unit price is the single price at which units are created and cancelled.
Forward Pricing
Units are created and/or cancelled at the next pricing date following receipt of premium or notification of claim/withdrawal.

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015
Version : SQSOnline - Agency ver 2.8.0.0 a
Page 9 of 17
 Appendix: Death and Total & Permanent Disability Benefit
PRUlife ready
Plan Description & Benefits
PRUlife ready is a regular premium investment-linked insurance plan. It pays the sum assured plus the value of units on the death of Life Assured.
In the event of Life Assureds Total & Permanent Disability before the 70, the sum assured is payable in lieu of the basic sum assured while units
remain in the plan.

Conditions:

Total and Permanent Disability

In the event of total and permanent disability before age 70, one lump sum payable under all policies with us on any one life is up to RM1
million. Any excess will be paid on the anniversary of the disability subject to proof of continued disability. Upon earlier death, the balance
shall be payable. The maximum payable under all policies on any one life is RM4 million plus bonuses (if any).

Total and permanent disability shall means:

-while aged sixteen (16) years but below the age of sixty-one (61) years
(a) becomes permanently and completely unable to engage in any occupation and is permanently and completely unable to perform any
work for remuneration or profit; or
(b) totally and irrecoverably loses sight in both eyes; or
(c) totally and irrecoverably loses by severance one limb each at or above his wrist and ankle, or two limbs at or above his wrist or ankle;
or
(d) totally and irrecoverably loses sight in one eye and totally and irrecoverably loses by severance one limb at or above the wrist or
ankle.
-while aged sixty one (61) years but below the age of seventy (70) years, the Life assured/Assured/Spouse shall mean confirmation by a
Consultant Physician of the loss of independent existence lasting for a minimum period of 6 months and resulting in a permanent inability
to perform at least three (3) of the following Activities of Daily Living either with or without the use of mechanical equipment, special
devices or other aids and adaptations in use for disabled persons. For the purpose of this benefit, the word "permanent", shall mean
beyond the hope of recovery with current medical knowledge and technology.
(a) Transfer
(b) Dressing
(c) Mobility
(d) Bathing/Washing
(e) Eating
(f) Continence

Exclusions

Death
If it is a suicide within the first year from the commencement date of the policy or date of policy revival, we shall pay the sum of
value of units at the valuation date after the date of notification.

Total & Permanent Disability

No benefit is paid if the disability is directly or indirectly caused by

a) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or
b) 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
c) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such
similar activities
Other Policy Conditions
Guaranteed Premium/Insurance Charge: The premium and insurance charge for death and TPD are guaranteed.

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015
Version : SQSOnline - Agency ver 2.8.0.0 a
Page 10 of 17
 Appendix: Critical Illness and Payors Benefit
Crisis Shield, Enhanced PRUpayor basic, Enhanced PRUpayor saver

Plan Description & Benefits

Crisis Shield pays the sum assured upon diagnosis of a critical illness. Benefit paid will reduce the PRUlife ready sum assured respectively.

Enhanced PRUpayor basic pays an annual benefit equal to PRUlife ready premium (except PRUsaver premium) upon diagnosis of a critical illness
or total and permanent disability before age 70.
Enhanced PRUpayor saver pays an annual benefit equal to the PRUsaver premium upon diagnosis of a critical illness or total and permanent
disability before age 70.

Conditions:

Critical Illnesses
A total of 36 critical illnesses are covered under the Critical Illness and Payor Benefits:

1) AIDS 11) Chronic Lung Disease 21) Loss of Independent 30) Paralysis
2) Aplastic Anaemia 12) Coma Existence 31) Parkinson's Disease
3) Appalic Syndrome 13) Coronary Artery Disease 22) Major Burns 32) Poliomyelitis
4) Alzheimer's Disease 14) Deafness 23) Major Head Trauma 33) Primary Pulmonary Arterial
5) Benign Brain Tumour 15) Encephalitis 24) Major Organ Transplant Hypertension
6) Blindness 16) Fulminant Viral Hepatitis 25) Medullary Cystic Disease 34) Stroke
7) Brain Surgery 17) Heart Attack 26) Meningitis 35) Surgery to Aorta
8) Cancer 18) Heart Valve Replacement 27) Motor Neurone Disease 36) SLE with Lupus Nephritis
9) Cardiomyopathy 19) Kidney Failure 28) Multiple Sclerosis
10) Chronic Liver Disease 20) Loss of Speech 29) Muscular Dystrophy

For conditions for Death and Total & Permanent Disability, please refer to Appendix for Death and Total & Permanent Disability Benefit.

Exclusions
Critical Illness
Critical illness benefit is not paid for
a) symptoms of illness occur prior to or within 30 days after the policy has commenced, except for Cancer, Heart Attack and
Coronary Artery Disease in which 60 days waiting period applies.
b) Illness is directly or indirectly caused by the existence of AIDS or the presence of any HIV infection, except for "AIDS due to
blood transfusion" and "Full blown AIDS".
c) Illness arises directly or indirectly from pre-existing illnesses.

For exclusion of Death and Total & Permanent Disability, please refer to Appendix for Death and Total & Permanent Disability
Other Policy Conditions
a) Waiting Period
Critical illness benefits under the policy will only start 60 days after the effective date of the policy for heart attack, coronary artery disease and
cancer and 30 days for all other illnesses.

b) Non-guaranteed Premium/Insurance Charge

We reserve the right to increase the premium/insurance charge (except death & TPD) at policy anniversary by giving 90 days written notice.

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015
Version : SQSOnline - Agency ver 2.8.0.0 a
Page 11 of 17
Appendix: Accidental Benefit
PRUacci guard, PRUacci med
Plan description
PRUacci guard pays the sum assured on death or total and permanent disability due to accident and a percentage of the sum assured on
disablement due to accident. In addition, the rider also pays compassionate benefit upon death.
PRUacci med reimburses the actual expenses incurred for medical treatment, hospital confinement or nursing services up to the sum assured
within 104 weeks from date of accident. It also reimburses the actual expenses incurred for traditional & complementary treatment incurred within
90 days from date of accident. In addition, it also pays overseas companion allowance and prosthesis/wheelchair allowance.
Benefits
Amount/% of Sum *Accidental Death & Disablement Benefit Table % of Sum Assured
Benefit
Assured Death of life assured 100%
Total & Permanent Disability 100%
i)Compassionate Benefit
Total, Permanent and Irreversible:-
a) Natural death RM 2,000
Loss of two limbs 100%
b) Accidental death RM 4,000
Loss of both hands or of all fingers and both thumbs 100%
c) Accidental death in overseas RM 6,000
Loss of all sight in both eyes 100%
ii) Accidental Death & Loss of hand at or above wrist 100%
Up to 100%
Disablement Benefit* Loss of leg at or above ankle 100%
iii) Double Indemnity Loss of all sight in one eye 100%
2 times the amount under (ii) will be
Loss of all sight in one eye except perception of light 50%
payable for accidents occurring while
Loss of lens of one eye 50%
life assured:
a) was traveling in any mechanically Loss of speech 50%
Up to 200%
propelled public conveyance; or Loss of four fingers and thumb 70%
b) was in an elevator car (excluding Loss of four fingers 40%
elevator in mines and construction Loss of thumb -both phalanges 30%
sites);or -one phalanx 15%
c) was in the public building which is Loss of finger -three phalanges 10%
burning at the commencement of the -two phalanges 7.5%
fire -one phalanx 5%
iv) Reimbursement of Medical Expenses Loss of metacarpals -first or second (additional) 3%
Reimburse actual expenses incurred for
Up to RM 2000 per -third, fourth or fifth (additional) 2%
medical treatment , hospital confinement
accident Loss of all toes on one foot 15%
or nursing services up to the sum
assured Loss of great toe -both phalanges 5%
-one phalanx 2%
a) Traditional & Complementary Loss of other toe, each 2%
Treatment (Max RM 300 per Up to RM 30 per day Fractured leg or patella with established non-union 10%
accident, subject to RM 1500
Shortening of leg by at least 2.5 cm 7.5%
per lifetime)
Loss of hearing -both ears 75%
v) Overseas Companion Allowance -one ear 15%
Reimburse: Loss of whole ear -both ears 6%
a) Return airfare incurred to visit life -one ear 3%
assured who is hospitalised overseas Up to RM 1000 Exclusions
for at least 10 days to one of the
immediate family. Accident benefits are not paid as a consequence of:
b) One-way airfare to Malaysia for the (a) war, invasion, act of foreign enemy, hostilities (whether war be declared
life assureds return immediately or not), civil war, rebellion, revolution, insurrection, military or usurped
following such hospitalisation. power, direct participation in riot, strike or civil commotion;
(b) violation or attempted violation of the law or resistance to arrest;
vi) Prosthesis/ Wheelchair Allowance (c) attempted suicide or self-inflicted injuries while sane or insane;
Reimbursement of reasonable costs of
Up to RM 1000 (d) pregnancy, childbirth, miscarriage or any complications;
purchasing wheelchair if life assured (e) pre-existing physical or mental defect or infirmity;
becomes permanently paraplegic and/or (f) alcoholic intoxication;
artificial limb (g) engaging in or taking part in professional sports, scuba diving, racing of
vii) Accidental Income any kind, aerial flights (including bungee jumping, hang-gliding,
a)Temporary Total Disability NA ballooning, parachuting and sky-diving) other than as a crew member of
or as a fare-paying passenger on a licensed passenger- carrying
b)Temporary Partial Disability NA
commercial aircraft operating on a regular scheduled route or any
c)Confinement in government hospital NA hazardous activities or sports, unless agreed to by special endorsement;
(h) narcotic or drug unless taken as prescribed by a qualified registered
medical practitioner;
Other Policy Conditions
i) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuit
because it may affect the premiums, terms, conditions and benefits of the products.
ii) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge at policy
anniversary by giving 90 days written notice.

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Version : SQSOnline - Agency ver 2.8.0.0 a
Appendix: Medical Benefit
PRUvalue med
Plan Description
PRUvalue med pay the benefit according to the selected benefits below in the event of hospitalisation or outpatient treatment due to illness or injury.
Benefits
Benefit Benefit Amount (RM)

a) Hospital Daily Room & Board (150 days per year) Reimburse up to RM 200 per day

Hospital & Surgical Benefits

b) Intensive Care Unit / Cardiac Care Unit (90 days per year)

c) In-hospital & Related Services

As Charged
- Surgical Benefit
(If Med Saver is selected, you must first pay a fixed amount of
- Hospital Supplies and Services
RM300.)
- Operating Theatre
- Anaesthetist Fees
- In-Hospital Specialist's Visit (limit to 2 visits per day)

Out-patient Treatment Benefits

d) Pre-hospitalisation Treatment
(within 60 days before hospitalisation)
e) Post-hospitalisation Treatment As Charged
(within 90 days after hospital discharge) (If Med Saver is selected, you must first pay a fixed amount of
f) Home Nursing Care (180 days per life-time) RM300.)
g) Day Surgery
h) Day Care Procedure

i) Outpatient Cancer Treatment As Charged, combined up to RM 1,500,000 per lifetime

(If Med Saver is selected, you must first pay a fixed amount of
j) Outpatient Kidney Dialysis
RM300.)

Other Benefits
Up to 5,000 per year
k) Maternity Complications Benefits
(If Med Saver is selected, you must first pay a fixed amount of
RM300.)

l) Intraocular Lens Up to 6,000 per lifetime

m) Emergency Treatment For Accidental Injury Up to RM 2,000 per year

(If Med Saver is selected, you must first pay a fixed amount of
RM300.)

Med Value Point

- total claims that exceed the stipulated amount, the company will RM 1,000,000
still be liable to pay 80% of the total cost of the eligible benefit.

Med Saver Yes

Emergency Medical Assistance Yes

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a) Hospital Daily Room & Board
Reimburse reasonable and customary room & board or high
dependency unit charges (subject to daily limit of the chosen room &
board amount for PRUvalue med) made by a hospital during a hospital
confinement, for up to 150 days per year. Any remaining amount of
room & board will NOT be paid to the policyholder.
b) Intensive Care Unit / Cardiac Care Unit
Reimburse reasonable and customary charges made by a hospital for
confinement in intensive care unit or cardiac care unit, for up to 90 days
per year.
c) In-hospital & Related Services Benefit
Reimburse reasonable and customary charges incurred for the following
medical necessary in-hospital & related services:
- Surgical Benefit
Reimburse reasonable and customary charges incurred for any medically
necessary surgical procedure performed at a hospital. These include pre
and post surgical care.
-Hospital Supplies and Services
Prescribed drugs and medicine for in-hospital use.
Dressing, splints, plaster casts and implants required by the life assured k) Maternity Complications Benefit
as an in-patient.
Diagnostic and/or investigation tests such as ECG, Scans, laboratory
tests, etc.
Food, beverages and lodging charged by the hospital for an adult
accompanying an insured child aged 15 or below.
Ambulance service to/from a hospital.
Intravenous infusions, administration of blood and by-products of blood.
Other ancillary medical services and supplies, excluding private in-
hospital nursing care.
- Operating Theatre
For the use of operating room and equipment incidental to the medically
necessary surgical procedure
- Anaesthetist Fees
For medically necessary administration of anaesthesia by anaesthetist
- In-Hospital Specialist's Visit
For medically necessary Specialists visit., up to maximum 2 visits per
day.
d) Pre-hospitalisation Treatment Benefit
Reimburse reasonable and customary charges incurred for medically
necessary treatment, consultation, investigation and/or diagnostic
tests performed within 60 days prior to hospital admission date, for a
medical condition for which hospitalisation was required.
e) Post-hospitalisation Treatment Benefit
Reimburse reasonable and customary charges incurred for medically
necessary follow-up treatment performed within 90 days after hospital
discharge for the medical condition for which hospitalisation was
required. This shall include the medicines prescribed during follow up
treatment but shall not exceed the supply needed for the maximum 90
days.
f) Home Nursing Care Benefit
Reimburse reasonable and customary charges incurred for continued
nursing care by a registered nurse in a home (on recommendation of the
attending doctor) must be at least 4 hours a day and within 14 days
immediately after discharge from the hospital for continued treatment of
the medical condition. The total amount payable for this benefit shall not
be more than 180 days over the lifetime of the life assured.
g) Day Surgery Benefit
Reimburse reasonable and customary charges incurred for medically
necessary surgical procedure performed in a day-surgery unit of a
hospital where a life assured both arrives and returns home on the day
of procedure.
h) Day Care Procedure Benefit
Reimburse reasonable and customary charges incurred for medically
necessary Day Care Procedure carried out by a Specialist. We shall
only cover the following procedures:
Coronary Angiography
Dilatation and Curettage of Uterus
Endoscopic Retrograde Cholangiopancreatography
Endoscopy including Arthroscopy, Bronchoscopy,
Esophagogastroduodenoscopy, Colonoscopy, Cystourethroscopy,
Laparoscopy, Laryngoscopy and Tracheoscopy
Extracorporeal Shock Wave Lithotripsy
Insertion or Removal of Ureteric J-Stent
Intra-articular Injection or Aspiration
Presented by : HONG YU HWA T0100093
Date: 28 Aug, 2015
Version : SQSOnline - Agency ver 2.8.0.0 a
Intraocular Injection
Laser Photocoagulation treatment for Retinal Detachment
DMARDs (Disease-modifying anti-rheumatic drugs) that require
Prolonged Infusion (at least 2 hours)
Rubber Banding of Hemorrhoids
Radio-frequency Ablation
i) Outpatient Cancer Treatment Benefit
Reimburse reasonable and customary charges incurred for medically
necessary out-patient treatment of cancer. The maximum amount
payable for both Outpatient Cancer Treatment Benefit and Outpatient
Kidney Dialysis Treatment Benefit combined for the lifetime shall not
be more than the amount shown in the table of benefits.
j) Outpatient Kidney Dialysis Benefit
Reimburse reasonable and customary charges incurred for medically
necessary out-patient kidney dialysis treatment performed at a
registered dialysis centre or a hospital. The maximum amount payable
for both Outpatient Cancer Treatment Benefit and Outpatient Kidney
Dialysis Treatment Benefit combined for the lifetime shall not be more
than the amount shown in the table of benefits.
Reimburse reasonable and customary charges incurred for medically
necessary obstetric procedure up to RM 5,000 per year in a hospital if
any of the following maternity complications are diagnosed during the
antenatal stage of pregnancy, during childbirth or after childbirth:
Abruptio Placentae
Amniotic Fluid Embolism
Disseminated Intravascular Coagulation
Death of Foetus
Eclampsia
Ectopic Pregnancy
Hydatidiform Mole
Late Miscarriage
Postpartum Hemorrhage Requiring Hysterectomy
Pre-Eclampsia
Pulmonary Embolism of Pregnancy
This benefit is inclusive of room and board, hospital & surgical
expenses sought for the complication.
l) Intraocular Lens
Reimburse reasonable and customary charges incurred for medically
necessary intraocular lenses for cataract or eye injury up to RM 6,000
per lifetime.
m) Emergency Treatment for Accidental Injury Benefit
Reimburse reasonable and customary charges incurred for emergency
out-patient treatment of an accidental injury up to RM 2,000 per year at
any registered clinic or Hospital within 48 hours and its follow-up
treatment, for up to 30 days from the actual date of accident.
We shall also reimburse reasonable and customary charges incurred for
the medically necessary dental treatment of an accidental injury provided
the treatment is received within 48 hours of the accident by a dentist at
any registered dental clinic or hospital.
Treatment shall include, but not limited, to the following:
Closed manipulation / reduction of bone fracture or joint dislocation
Application of Plaster of Paris
Removal of foreign body from eye / ear / nose / throat
Toilet and Suture of laceration wound
Dressing of injury wound
Dental treatments necessary for restoration of function shall include, but
not limited, to the following:
replacement of natural teeth
placement of denture
prosthetic services such as bridges and crowns or their replacement
dental implants
However, we shall not be liable to the expenses for the following
conditions:
dental appliances
charges for routine check-up
charges for dentures which include for replacement of congenitally
missing teeth or teeth which were lost before the commencement date
or the date it is revived, whichever is later
treatment by someone other than a Dentist
We may reimburse any reasonable and customary charges incurred for
medically necessary treatment for injuries from accident performed
during hospital confinement under this benefit.
Page 14 of 17
 Exclusions
Medical benefits are not paid as a consequence of:
(a) Pre-existing conditions.
(b) Specified Illnesses occurring during the first 120 days from the
Commencement Date of the rider, the date it is revived, whichever is
later.
(1) Hypertension, diabetes mellitus and Cardiovascular disease;
(2) Growths of any kind including tumours, cancers, cysts, nodules,
polyps;
(3) Stones of the urinary system and biliary system;
(4) Any disease of the ear, nose (including sinuses) or throat;
(5) Hernias, haemorrhoids, fistulae, hydrocele or varicocele;
(6) Any disease of the reproductive system including endometriosis; or
(7) Any disorders of the spine (including a slipped disc) and knee
conditions.
(c) Any medical or physical conditions and its signs or symptoms occurring
within the first 30 days from the Commencement Date of the rider or the
date it is revived, whichever is later, except for traumatic bodily injury
caused by an Accident.
(d) Any benefits as provided under the Maternity Complications Benefits
occurring within the first 365 days from the Commencement Date of
the rider or the date it is revived, whichever is later.
(e) Plastic/Cosmetic surgery, hyperhidrosis, circumcision, eye examination
for nearsightedness, farsightedness or astigmatism, visual aids and
refraction or surgical correction of nearsightedness (Radial Keratotomy)
and the use or acquisition of external prosthetic appliances or devices
such as but not limited to artificial limbs, hearing aids, cochlear
apparatus, external or temporary pacemakers and prescriptions
thereof.
(f) Dental conditions including dental treatment or oral surgery except as
necessitated by Accident to restore function of sound natural teeth
occurring while the Policy and the rider are in force.
(g) Private nursing (except for Home Nursing Care Benefit), rest cures or
sanitaria care.
(h) Drug abuse, addictive disorders from any kind of substance or alcohol
use or misuse, under influence of alcohol, venereal disease and its
sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC
(AIDS Related Complex) and HIV related diseases, and any
communicable diseases required quarantine by law.
(i) Any treatment or surgical operation for congenital abnormalities or
deformities including hereditary conditions.
(j) Pregnancy, child birth (including surgical delivery), miscarriage,
abortion and prenatal or postnatal care and surgical, mechanical or
chemical contraceptive methods of birth control or treatment pertaining
to infertility and its complications, with exception to the benefits as
provided under the Maternity Complications Benefits. Erectile
dysfunction and tests or treatment related to impotence or sterilization.
Other Policy Conditions
i) Deductible/Coinsurance:
PRUvalue med
We will bear the reasonable and customary cost of the eligible benefit. If Med Saver is selected, you must first pay a fixed amount of RM300
upon claims except for Room & Board and Intraocular Lens.
We will still be liable to pay 80% of the total cost of the eligible benefit if the total benefits that are paid to you throughout the policy years
exceeds the Med Value Point stipulated in the table of benefits above.
(k) Primarily for investigatory purposes, diagnosis, X-ray examination, stem
cell therapy, general physical or medical examinations, not incidental to
treatment or diagnosis of a covered Disability or any treatment which is
not Medically Necessary and any preventive treatments, preventive
medicines or examinations carried out by a Physician, and treatments
specifically for weight reduction or gain or bariatric surgery.
(l) Suicide, attempted suicide or intentionally self-inflicted injury while sane
or insane.
(m) War or any act of war, declared or undeclared, criminal or terrorist
activities, act of foreign enemies, active duty in any armed forces, direct
participation in strikes, riots, civil commotion, insurrection, revolution or
any war-like operations.
(n) Ionising radiation or contamination by radioactivity from any nuclear fuel
or nuclear waste from process of nuclear fission or from any nuclear
weapons material.
(o) Expenses incurred for donation of any body parts or organ by a Life
Assured and acquisition of the organ including all costs incurred by the
donor during organ transplant and its complications.
(p) Investigation and treatment of sleep apnoea and snoring disorders,
hormone replacement therapy and alternative therapy such as treatment,
medical service or supplies, including but not limited to chiropractic
services, acupuncture, acupressure, reflexology, bonesetting, hyperbaric
oxygen therapy, herbalist treatment, massage or aroma therapy or other
alternative treatment.
(q) Care or treatment for which payment is not required or to the extent
which is payable by any other insurance or indemnity covering the Life
Assured, and Disabilities arising out of duties of employment or
profession that is covered under a Workman's Compensation Insurance
Contract.
(r) Psychotic, mental or nervous disorders (including any neuroses and
their physiological or psychosomatic manifestations).
(s) Costs/expenses of services of a non-medical nature, such as television,
telephones, telex services, radios or similar facilities, admission kit/pack
and other ineligible non-medical item.
(t) Participating in racing of any kind (except foot racing), hazardous sports
such as but not limited to skydiving, water skiing, underwater activities
requiring breathing apparatus, winter sports, professional sports and
illegal activities.
(u) Private flying other than as a fare-paying passenger in any commercial
scheduled airlines licensed to carry passengers over established
routes.
(v) Expenses incurred for sex changes.
(w)Experimental treatment, including medication and/or unconventional
medical technology/procedure, which has not been proved to be effective,
based on established medical practice, and which has not been approved
by a recognised body in the country in which you receive the treatment.
(x) Care or treatment that do not lead to a recovery, conservation of your
condition or restoration to your previous state of health.

ii) Waiting Period: Cover begins immediately on acceptance, for hospitalisation caused by accidents but it only begins:-
- 120 days after acceptance for specified illnesses,
- 30 days after acceptance for any other causes, and
- 365 days after acceptance for maternity complications.
iii) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuits because it
may affect the premiums, terms, conditions and benefits of the products.
iv) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge at policy anniversary by giving 30
days notice.
v) Other terms and conditions:
- The coverage will cease on expiry date and we shall strictly not be liable for any expenses that take place after the expiry date.

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015 Page 15 of 17
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 - Emergency Medical Assistance is a service provided by a contracted third party provider and can be terminated by giving 90 days written notice.

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015 Page 16 of 17
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Appendix: Other Policy Benefits and Options
Benefits
Goal Achievement Benefit
After your policy has incepted, you will be rewarded with RM500 if you are able to achieve one of the following events while your policy is in
force, subject to terms and conditions stipulated in policy documents.

- Travelling to 10 different countries

- Doubling of annual income
- Buying your first house
- Marriage
- Childbirth

Maturity and Surrender Benefit

At maturity or upon surrendering, this policy will pay the value of units.

PRUsaver
It is a regular premium rider for investment purpose only. It does not attract any insurance cover.
When PRUsaver is attached, in the event of involuntary retrenchment, the policy is guaranteed to be kept in force for a duration of 6 months
or until you are being employed, subject to terms and conditions stipulated in policy documents.
Options
Non-forfeiture Option:
You may stop paying the recommended premium but the policy may lapse, unless there are available units in the plan to pay insurance charge
and other charge. The charges will be deducted from the account through cancellation of units, subject to consent given by you. If units within
the accounts are exhausted, these charges may be deducted through cancellation of units of certain selected 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 of time.

Fund switching:
If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch fund at anytime. You are allowed 4 free
switches per year without any fee. Any subsequent switches within the year, you will be charged a processing fee of 1.06%, subject to
maximum of RM53 (inclusive of 6% GST). Units can be switched between investment-linked funds at any time.

Premium Re-direction:
You may revise the proportion of your regular premium (in multiple of 5%) you want to invest and may also revise your choice of investment-linked
fund.
Top-ups:
Top-ups can be made at any time. The minimum amount required for top-ups is RM500. Top-up incurs a one-off top-up fee of RM26.50
(inclusive of 6% GST).
Withdrawals:
Withdrawals can be made at any time in terms of number of units or fixed monetary amount through cancellation of units
Option to Vary Sum Assured and policy terms:
You may increase the sum assured without increasing the regular premium and vise versa (if applicable).

Presented by : HONG YU HWA T0100093

Date: 28 Aug, 2015 Page 17 of 17
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