Underwritten by Prudential Assurance Malaysia Berhad

Prudential PRUterm

Full financial help in the event of your death or total and permanent disability. Add extra cover such as critical illness claims and weekly income when you're unable to work.

    • RM10k Minimum Sum Assured
    • Add-on Critical Illness Coverage
    • Death Coverage Until Age 70
    • TPD Benefit Up To 100% of Sum Assured
    • Death Benefit Up To 100% of Sum Assured

Get covered now with Prudential PRUterm

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How to Claim

Who do I call to make a claim or state an emergency?

Prudential Hotline
  •  321160228
  • Features

    What makes this Prudential insurance policy stand out?

    Cover Type
    term-life insurance
    Cover Term
    protection up to age 70
    Premium Type
    flat rate. stays the same throughout policy term.
    Plan Conversion
    option to convert to whole-life plan
    Income Tax Relief
    up to a maximum of RM6,000 a year.

    Protection for Your Family

    How will Prudential help to secure my family’s financial future?

    What's covered by your insurance plan
    Main Coverage
    Coverage Period
    Am I Protected?
    Natural Death
    A lump-sum payment to your family when you die of natural causes
    up to 70 years oldYes, up to 100% of sum assured
    Total and Permanent Disability
    When you’re unable to work or take care of yourself due to ongoing injury or sickness
    up to 60 years oldYes, up to 100% of sum assured
    Enjoy the full benefits of your insurance plan with great add-on coverage
    Add-on Coverage
    Am I Protected?
    Critical Illness Coverage
    Protection against serious diseases such as cancer, heart attack, stroke or heart bypass surgery
    Accidental Death or Dismemberment
    Protection for when you die or lose a limb due to an accident
    Weekly Indemnity
    Temporarily unable to work? Get income to ease recovery from injury

    Age Requirements

    Am I eligible to apply for this Prudential insurance?

    Minimum Age
    at least 16 years of age
    Maximum Age
    at most 65 years of age
    Expiry Age
    at most 70 years of age

    Frequently Asked Questions about Prudential PRUterm

    Things you might want to know

    What is the Prudential PRUterm all about?

    Do you worry about your family's savings or just want to leverage on your emergency funds? PRUterm is a term life insurance policy by Prudential Assurance that'll give you and your loved ones coverage in the event of your death or total and permanent disability. 

    Should you die or are permanently handicapped during your coverage term, PRUterm will pay out the benefits to you or your next of kin in a lump sum payment - want to be assured for RM50,000? Get paid the same amount when making a claim!

    To enhance your coverage, PRUterm gives you the flexibility of adding optional benefits, such as medical and health benefits to give you even more insurance protection.

    What add-on benefits can I buy to enchance my insurance coverage?

    You can add-on optional insurance riders to your PRUterm insurance plan to give you even more coverage ranging from hospitalisation income to securing your mortgage payments. Check them out below:

    • Accidental death & disablement – additional cash payments if death and disablement is because of an accident.
    • Weekly indemnity – provides weekly income should you become handicapped. Ease the pressure of not working.
    • Crisis Cover Plus –makes sure that your family stays financially healthy when you're diagnosed with any of the 36 critical illnesses
    • PRU major med 5 – emergency fund not enough? This add-on will provide additional healthcare and hospitalisation benefits 
    • PRUmortgage – financial help when unable to pay off your housing loan

    Who can buy this Prudential term-life insurance plan?

    Prudential PRUterm is available to anyone between the ages of 16 to 65 years old.

    How long will I be insured?

    With PRUterm, you can choose from a range of flexible coverage periods depending on your needs and budget. 

    PRUterm offers coverage for total and permanent disability until you are 60 years of age. Your policy will expire once you reach the age of 70 years old.

    How much are my premiums?

    The premiums rates for PRUterm will depend on a few factors such as the entry age, minimum sum assured, and optional riders. 

    Once you've confirmed your coverage term, the premiums rate will be fixed throughout the tenure of your policy. That means you won't have to worry about increasing premiums as you age!

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