Tips

Tips of life insurance 

Choose a life insurance could be a difficult task. Here are some tips which can help you:

• Don't take rush decision, take your time to make the right decision.

• When you buy a policy, make your check payable to the life insurance company - not the agent. Make sure there is a reception.

• Having bought a life insurance, keep in mind that you may have a "free-testing" period of 14 days after receipt of the policy. You can change your thoughts in that period. If you decide not to buy a policy of the company, then it will be cancelled and you will get an appropriate refund.

• If an agent or a company call you and wish you to cancel your current policy to buy a new one, contact your original agent or company before taking decisions. The termination of your policy to buy may therefore be very expensive for you.

• If you have a complaint about your life insurance agent or company, contact the customer service department of your life insurance company. If you are still unsatisfied, contact your state insurance service. Most insurance service have a consumer business which can help you.

• Term policies are particularly suitable for young families. (Term life insurance protects the insured for a certain period: one year, five years, ten years, so it has no function of savings, and is therefore less expensive than other types).

• Estimate your total life insurance needs by examining the needs and the different stages of your surviving spouse for life. Now take life insurance to cover these gaps.

• From time to time monitor your life insurance plan, especially when there are a significant change of your financial responsibilities.

• Talk with your husband or wife about life insurance plan so your spouse will understands which of the gaps that life insurance products are designed to fill.

Prudential Assurance Malaysia Berhad

General Information HQ Address: Level 17, Menara Prudential, No. 10, Jalan Sultan Ismail, 50250 Kuala Lumpur Telephone: +603 2031 8228 Facsimile: +603 2032 3939 Website: www.prudential.com.my

Complaints Unit Department Name: Customer Service Contact: Ms Ng Li Min / Mr Stanley Low Ming Sheng Address: Level 16, Menara Prudential, No. 10, Jalan Sultan Ismail, 50250 Kuala Lumpur Telephone: 03 2076 3950 (Ms Ng Li Min) / 03 - 2031 8228 Ext. 1676 (Mr Stanley Low Ming Sheng) Facsimile: 03 - 20782173 E-mail: ng.li.min@prudential.com.my / stanley.low.ming.sheng@prudential.com.my

How much money should leave for your family? PruBSN Protect Plus...

There are so many ways and formula to calculate on how much Sum Assured do you need for your life insurance. Asset value, liability value and etc.

But end of the day how much budget do you have to pay the premium.
The premium must be affordable and the plan must be adequate. Not too little
I created a simple empirical method for Sum Assured. * this applicable to person with income less than RM200K annually.

The step as below :

1. RM50K

2. RM100K

4. RM300K

5. RM500K

As your agent to do quotation of how much for each Sum Assured and you select which one is suitable for your budget.

But remember! You must upgrade your plan accordingly till you reach Rm500K Sum Assured. Reach RM500K, then you will have peace of mind knowing that you have RM500K emergency fund for your family.

I recommend PruBSN Protect Plus. Why? Because PruBSN Protect Plus is an auto upgrade plan for every 3 years with level premium. No extra cost even though your Sum Assured increased. The plan coverage is up to 80 years old.



I'm going to be 26 years old next year. I sign up PruBSN Protect Plus with RM100K Sum Assured. Premium is RM RM3000 per year.

First colum is year, second colum is age, third column is premium and last column is Sum Assured with Auto Upgrade of 5% every 3 years.



But my target is to have RM500K Sum Assured before age 30. I will do self upgrade 2 years later for RM300K and age 30 upgrade for RM400K. I have another RM100K life insurance under investment link plan. So total RM500K.

New Prudential Policy Document Look 2010. Prudential Assurance Malaysia Berhad

The launch date of this new policy document outlook is on the 5th of April 2010
The new outlook of policy document comprises a jacket to house the policy document, slot to insert medical cards and also a pocket to insert loose items such as MHI Booklet and also endorsement slips in the future. The whole package of the policy document will come sealed in a plastic cover. All policy documents and endorsement slip will be in B5 size which slightly smaller compared to current A4 size which would again make it easier to carry the policy documents around.

Life Insurance Tax Release. Pelepasan cukai insurans.

Bil.	Jenis Potongan Individu	Amaun (RM)
1	Individu dan saudara tanggungan	9,000
2	Perbelanjaan Perubatan Ibu Bapa	5,000 (Terhad)
3	Peralatan Sokongan Asas	5,000 (Terhad)
4	Individu Kurang Upaya	6,000
5	Yuran Pendidikan (Sendiri)	5,000 (Terhad)
6	Perbelanjaan perubatan penyakit yang sukar diubati	5,000 (Terhad)
7	Pemeriksaan perubatan penuh	500 (Terhad)
8	Pembelian buku/majalah/jurnal/penerbitan	1,000 (Terhad)
9	Pembelian komputer peribadi untuk individu	3,000 (Terhad)
10	Tabungan bersih dalam skim SSPN	3,000 (Terhad)
11	Pembelian peralatan sukan untuk aktiviti sukan	300 (Terhad)
12	Suami/Isteri/Bayaran alimoni kepada bekas isteri	3,000 (Terhad)
13	Suami/Isteri kurang upaya	3,500
14	Anak di bawah umur 18 tahun	1,000
15	Anak berumur 18 dan ke atas, belum berkahwin dan menerima pendidikan sepenuh masa	1,000
16	Anak berumur 18 dan ke atas, belum berkahwin dan mengikuti diploma ke atas di dalam Malaysia @ peringkat ijazah ke atas di luar Malaysia dalam kursus dan di IPT yang diiktiraf oleh pihak berkuasa Kerajaan yang berkaitan	4,000
17	Anak Kurang upaya Pelepasan tambahan sebanyak RM4,000 bagi anak kurang upaya berumur 18 dan ke atas, belum berkahwin dan mengikuti diploma ke atas di dalam Malaysia @ peringkat ijazah ke atas di luar Malaysia dalam kursus dan di IPT yang diiktiraf oleh pihak berkuasa Kerajaan yang berkaitan	5,000
18	Insuran nyawa dan KWSP	6,000 (Terhad)
19	Insurans pendidikan dan perubatan	3,000 (Terhad)

Do you need help for Prudential Insurance services?

If you lost your agent or you bought insurance policy direct from the bank , and didnt know where to get assistance on Prudential Insurance related matter. You may contact me, I will help as much as I can.

• Do you need Prudential’s claim form?
• How to do Death or Critical Illness claim?
• How to change mailing address?
• How to change nomination of your policy benefits?
• How to do income tax relief from your Life and Medical Insurance?
• How to check status on my policy?
• How to upgrade my protection?

Contact me now by email : fadzilesa@prupartner.com.my

Benefits of PRUHealth Medical Card Plan

Benefits of PRUHealth Medical Card Plan

COMPREHENSIVE coverage for hospitalisation and surgery bills

PRUhealth is a plan that provides COMPREHENSIVE medical coverage by reimbursing
your major medical expenses incurred in the event of hospitalisation, surgery or outpatient
treatment. Get peace of mind when you need it the most!

Enjoy NO CLAIMS BONUS

An innovative medical plan that rewards you with annual bonuses1 of up to RM500 when
you do not make any claim for the year. Your bonuses will automatically be credited in
the form of additional units to be invested into funds of your choice, thus increasing your
investment value, or to be withdrawn+ should you have the need to.

An option to WAIVE the annual claims limit

Worried that your medical bills might surpass your annual limit? You are now given the
flexibility to waive the annual limit of your plan by attaching an optional PRUannual
limit waiver rider2 to your PRUhealth plan which enables you to make claims above your
annual limit.

CHOICE OF PLANS to suit your budget

From as low as RM100 a month, you can choose from 5 different PRUhealth plans to suit
your lifestyle and needs.

Coverage of up to age 100

PRUhealth gives you the choice of protection through all stages in life by covering your
medical bills even up to age 100!
To get the brochure please request the brochure at the comment section ?