We do protection for what

matters most to you.

PRUBiz Protect
Build a safe future for your family as you protect your business

Investment-Linked Insurance
Listening. Understanding. Delivering.
Introducing PRUBiz Protect
Are you a young entrepreneur and businessperson?
Thinking about starting a family or setting up your own business? Are you currently dealing with
more complex financial situations like household debt, mortgage and business debts or liabilities?
What can you do to protect your loved ones and reduce their financial burden of repaying loans,
business debts and liabilities of your business, should any unfortunate event happen to you?

With PRUBiz Protect, you can get protection with affordable premium from as low as RM120* per
month. Through Protect Booster, you have the flexibility to choose your preferred protection
amount and coverage term that corresponds with your short-to-medium term liabilities and
commitments. PRUBiz Protect comes with the elements of insurance protection through accidental
and payor riders. This insurance plan can also boost up your current safety net and give you the peace
of mind that your loved ones are protected and there’s enough funds to keep the business going.
* Monthly premium quoted above is based on age 20, occupation class 1, Male Non-Smoker, Policy Term of age 70 with auto-extension^, and
100% PRULink Managed Fund II.

^This product comes with Extension of Coverage Term to extend the term of basic plan up to the Policy Anniversary of Life Assured’s age 100. For
rider(s), if applicable, the rider’s term will be extended up to the Policy Anniversary of Life Assured’s age 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.

Key features of Protect Booster

Under PRUBiz Protect, Protect Booster provides you with the extra death coverage you need to ensure
your business stays protected without compromising your loved ones’ well-being.

1. Enjoy extra protection with a minimum sum assured of RM100,000.

2. Choose from a selection of coverage terms of 5, 10, 20 or 30 years to match your short-to-medium
term liabilities or financial commitment.
3. Enjoy up to 20% discount1 on your PRUWith You and Protect Booster insurance charges:

Total PRUWith You and Protect Booster Coverage Discount on insurance charges

RM100,000 to RM199,999 10%

RM200,000 and above 20%

4. Guaranteed rates of insurance charge.

5. Entry age as early as 14 weeks into pregnancy and enjoy protection from age 1 onwards 2,
subject to juvenile lien.
1
Discount on insurance charges applies when the aggregated sum assured of PRUWith You and Protect Booster coverage meets the minimum
requirement during each period where insurance charges are deducted.
2
Where Life Assureds are unborn children, a waiting period of 30 days from birth will be applicable for Protect Booster.
 PRUWith You
RM100,000

Protect Booster
RM400,000 Acci Guard Plus
20 years' term RM100,000

PRUBiz Protect

Acci Income Plus

Payor Basic 3 units

Acci Med Plus

RM5,000
Case Study
Alex is a businessman with RM400,000 worth of debts to be paid in 20 years.
He needs a plan to ensure his family and debts are well taken care of in case of any
unfortunate events during the 20 years. Alex has the following solutions to choose from:

Benefit Solution A Solution B PRUBiz Protect

Monthly Premium RM100* RM120*
Death Coverage RM100,000 RM100,000
Protect Booster with 20 years' term - RM400,000
Acci Guard Plus RM100,000 RM100,000
Acci Med Plus RM5,000 RM5,000
Acci Income Plus 3 units 3 units
Payor Basic Yes Yes
Total Benefit Payable (Natural Death) RM100,000 RM500,000
Debts – RM400,000 – RM400,000
– RM300,000 RM100,000
Net (Debt fully paid with extra
(Outstanding Unpaid Debt)
for his family)
* Monthly premium quoted above is based on age 20, occupation class 1, Male Non-Smoker, Policy Term of age 70 with auto-extension^, and
100% PRULink Managed Fund II.
^ This product comes with Extension of Coverage Term to extend the term of basic plan up to the Policy Anniversary of Life Assured’s age 100. For
rider(s), if applicable, the rider’s term will be extended up to the Policy Anniversary of Life Assured’s age 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.
 For more information, visit our website at www.prudential.com.my or contact
one of our friendly Prudential Wealth Planners. We’re always here to help.

Important Notes & Disclaimers

• PRUBiz Protect is a solution offered by our product, PRUWith You as its basic plan, and is underwritten by Prudential Assurance
Malaysia Berhad 198301012262 (107655-U), which is licensed under the Financial Services Act 2013 and is regulated by Bank
Negara Malaysia.
• PRUBiz Protect consists of components that can be bought separately, and you are not obligated to select all components of
this package.
• Buying life insurance is a long-term financial commitment. You should satisfy yourself that this policy (including riders) will best
serve your needs and that the premium payable under the policy is an amount that you can afford. To achieve this, we recommend
that you speak to your Prudential Wealth Planner who will perform a needs analysis and assist you in making an informed decision.
You may also contact the insurance company directly for more information.
• This flyer contains only a brief description of the product and is not exhaustive. You are advised to refer to the PRUWith You
Product Disclosure Sheet, Product Illustration, Fund Fact Sheet(s) and the insuranceinfo booklet on Life Insurance, Investment-
Linked Insurance, Personal Accident Insurance and Medical and Health Insurance before purchasing a policy, and to refer to the
terms and conditions in the policy document for details of the features and benefits, exclusions and waiting periods under
the policy.
• There is a free-look period of 15 days after the date of delivery of the policy to allow you to review 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, charges (such as insurance charges, service charges, processing charges, and any other charges, where applicable),
and taxes (if any) that we have deducted less medical expenses (if any) that we may have already paid or agreed to pay.
• You may request to disable the Extension of Coverage Term feature after your policy is issued, which will result in your coverage
ending at the original policy term. Any subsequent request to reapply for Extension of Coverage Term is subject to underwriting.
• Assuming a male, aged 20 years, non-smoker purchases a PRUBiz Protect policy with Basic Sum Assured RM100,000, Acci Guard
Plus RM100,000, Acci Med Plus RM5,000, Acci Income Plus 3 units, Protect Booster RM400,000 with 20 years term and Payor
Basic, policy term up to age 70 with auto-extension, 100% managed fund, with monthly premium payment through credit card,
the estimated total premium payable:

Total premium payable based on To improve your policy sustainability up to age 100
coverage term up to age 70
Alternative 1 Alternative 2
We advise you to continue paying the We advise you to continue paying the
total premium payable during the total premium payable during the
extended term. extended term.
On top of that, additional Regular On top of that, additional Regular
Premium Top-up of RM26.00 monthly is Premium Top-up of RM339.00 monthly is
RM120.00 monthly from recommended from age 20 up to end of recommended from age 70 up to end of
age 20 up to age 69 Extension of Coverage Term. Extension of Coverage Term.

Total premium payable: Total premium payable:

– RM146.00 monthly from age 20 – RM120.00 monthly from age 20
up to age 99. up to age 69.
– RM459.00 monthly from age 70
up to age 99.

Notes:
- The premiums are not guaranteed and may vary in the future depending on the actual investment return, premium payment, policy benefits and
charges. You may refer to the annual statement for the recommended Regular Premium Top-up amount, which is updated yearly, to improve
policy sustainability up to the extended term (based on Alternative 1 above), and may consider topping up your premiums from time to time to
improve the sustainability of your policy. We shall notify you at least 90 days prior to the Extension of Coverage Term if there is any additional
premium required during the extended term.
- Age stated in the above table refers to Life Assured's age at Policy Anniversary.
- Please refer to Product Disclosure Sheet for more details.
• PRUWith You and its attachable riders (if any) are not Shariah-compliant products.
• You can surrender the policy at any time. However, if you terminate the policy in the early years, you may get back less than the
amount you have paid in. Upon surrender, a surrender value will be payable and all the benefits under this plan will be terminated.
• Any age reference shall be on the basis of Age Next Birthday.
• If there is any conflict or inconsistency between the English language, Malay language and Chinese language versions of this
leaflet, the English language version of this leaflet shall prevail and be given effect to.

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.

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
07/2022

PAMB or visit PIDM website (www.pidm.gov.my) or call PIDM toll-free line (1-800-88-1266).

Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Tel: 03-2771 0228, 03-2116 0228
Level 20, Menara Prudential, Persiaran TRX Barat, Email: [email protected]
55188 Tun Razak Exchange, Kuala Lumpur, Malaysia. Website: www.prudential.com.my