What is PRUWealth Enrich 2.0?
PRUWealth Enrich 2.0 is an investment-linked insurance plan (ILP) that combines life protection with wealth accumulation, designed for people who want to build and pass on their wealth across generations.
Coverage runs up to age 100, with the option to attach riders for critical illness and payor benefits. A standout feature of the 2.0 version is the Legacy Settlement Option, which lets you decide in advance how your loved ones receive the death benefit, as a lump sum, regular monthly or yearly payouts for up to 35 years, or tied to life milestones like graduating from university, getting married, or buying a home.
The plan also rewards long-term commitment through Loyalty Bonus and Loyalty Booster, and provides accidental death coverage of up to 5 times your sum assured.
Up To 500% Additional Coverage for Accidental Death
PRUWealth Enrich 2.0 pays out an additional sum on top of your basic coverage if death occurs due to an accident. The additional amount depends on the circumstances:
| Scenario | Total Payout |
| Death or Total and Permanent Disability (TPD) | +100% of sum assured |
| Accidental death while commuting in a public conveyance or an elevator car, or due to fire in a public building | +200% of the sum assured |
| Accidental death while travelling outside Malaysia (up to 90 consecutive days, except Singapore or Brunei) | +300% of the sum assured |
| Accidental death while flying as a fare-paying passenger on a commercial aircraft | +400% of the sum assured |
| Accidental death due to a natural disaster | +500% of the sum assured |
Do note that TPD and Accidental Death coverage applies before the Policy Anniversary Date of age 70. Check out the product flyer for more details.
What are Loyalty Rewards?
PRUWealth Enrich 2.0 comes with two loyalty benefits for policyholders who stay committed to their plan. The Loyalty Bonus is paid out periodically from a certain policy year onwards, while the Loyalty Booster is a separate one-off payout. Together, they can amount to up to 30% of your Basic Sum Assured (BSA) in total.
Both amounts are tied to your BSA, so the higher your coverage, the larger the rewards. The exact figures and trigger conditions are outlined in your policy contract, in which your Prudential Wealth Planner can walk you through a personalised illustration.
What are the Premium Payment Terms?
You can choose to pay premiums over 5, 10, or 20 years, or for as long as your policy is in force. The plan also allows additional premium top-ups if you want to strengthen your policy's account value over time.
How Do I Keep My Coverage Going Up to Age 100?
PRUWealth Enrich 2.0 deducts insurance charges and other fees from your policy's account value on an ongoing basis, so keeping sufficient value in the account is what keeps your coverage intact.
For the first 72 months, your policy is protected by a No-Lapse Provision; it stays in force as long as all premiums are paid on time and no withdrawals are made from your Basic Unit Account during this period.
After that, you may need to top up your premiums periodically to maintain coverage through the extended term. Prudential will notify you at least 90 days in advance if additional top-up premiums are needed.
Check out the product flyer and product disclosure sheet for more details.
Who Can Take Up PRUWealth Enrich 2.0?
PRUWealth Enrich 2.0 is open to anyone aged 14 days to 70 years old. When the policy matures or if you choose to surrender it, the value of units in your account will be paid out to you.
