PARTICIPATING ENDOWMENT INSURANCE

PRUGrowth
The plan that grows with you
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Small Steps
BIG IMPACT

S hort period of premium commitment

as low as 5 years
Choose from a combination of premium
payment and coverage terms.

A nnual Booster with total up to 288% of

Basic Sum Assured(1)
Granted yearly for consistently paying
your premiums.

V aluable benefits at maturity

Receive 100% of the Basic Sum Assured
+ total entitled Annual Booster + any
bonuses(2) when your policy matures.

E ssential coverage for Death & Total and

Permanent Disability (TPD)(3)
Should the unfortunate befall you, your
family will receive an insurance payout to
ease their financial worries.

(1)
If you select 30 years of policy term, the total entitled Annual Booster at maturity comprises 288% of the Basic
Sum Assured.
(2)
Bonuses consist of Terminal Bonus and Compound Reversionary Bonus and will be paid as a lump sum upon
Death, Total and Permanent Disability (TPD) before policy anniversary date when the Life Assured is age 70,
surrender or maturity. These bonuses are not guaranteed and will depend on the actual operating and investment
results experienced by Prudential’s participating life fund.
(3)
Total and Permanent Disability (TPD) Benefit expires at the policy anniversary date when the Life Assured is age 70.
Take the
first step to
achieving
your dreams
TODAY

PRUGrowth
Building up your savings is worth the effort. It gives you a
sense of security and helps you achieve the life you desire.

PRUGrowth is an insurance plan that helps you grow your savings by

rewarding you with a yearly entitlement of Annual Booster when you
commit to paying your premiums regularly. You can opt for payment term
as short as 5 or 10 years, and choose from 3 different coverage terms from
15 to 30 years.

Secure your saving growth with Annual Booster, while enjoying the benefits
of insurance coverage.
 S hort
period of premium
commitment as
A nnual
Booster with total
up to 288% of Basic
low as 5 years Sum Assured(4)

“I wish to pay my premiums for _____ “I wish to receive loyalty rewards from continuous
years to enjoy _____ years of insurance commitment in savings. The longer I save, the more the
coverage.” loyalty rewards will be granted!”

What is Annual Booster?

Enjoy the flexibility to choose your preferred You will be granted Annual Booster annually to boost your
premium payment term and coverage term Death/Total and Permanent Disability (TPD)(5)/Surrender/
with PRUGrowth! Maturity Benefit.
Once granted, the Annual Booster amount is guaranteed
and will be payable if you keep your policy until maturity
or on earlier Death/Total and Permanent Disability (TPD)(5)
before policy anniversary date when the Life Assured is age
70. Upon surrender, policyholder will not receive the full
amount of the Annual Booster. Guaranteed Surrender Value
5 PAY 15 includes surrender value of the entitled Annual Booster.
5 years premium payment Note: the Annual Booster is not allowed to be withdrawn
term with 15 years throughout the policy term.
insurance coverage term.
POLICY
YEAR 5 PAY 15 5 PAY 20 10 PAY 20 10 PAY 30

6% of 6% of
5 PAY 20 1–6 6% of BSA p.a.
BSA p.a. BSA p.a.
5 years premium payment
term with 20 years 7 – 12 8% of 8% of BSA p.a. 8% of
BSA p.a. BSA p.a.
insurance coverage term.
% of Basic Sum Assured (BSA)

13 - 15 18% of 8% of BSA p.a. 8% of

BSA p.a. BSA p.a.

8% of
10 PAY 20 16 – 17 8% of BSA p.a.
BSA p.a.
10 years premium payment
term with 20 years 18 – 19 18% of BSA p.a. 8% of
insurance coverage term. BSA p.a.

20 28% of BSA p.a. 8% of

BSA p.a.

10 PAY 30 21 – 27 8% of
BSA p.a.
10 years premium payment
term with 30 years 28 – 30 28% of
insurance coverage term. BSA p.a.
138% of 288% of
TOTAL 188% of BSA
BSA BSA
(4)
If you select 30 years of policy term, the total entitled Annual Booster at maturity comprises 288% of the Basic Sum Assured.
(5)
Total and Permanent Disability (TPD) Benefit expires at the policy anniversary date when the Life Assured is age 70.
^ Accidental Death Benefit expires at the policy anniversary date when the Life Assured is age 70.
 V aluable
benefits from
maturity
E ssential
coverage for Death &
Total and Permanent
Disability (TPD)(5)

“How much could I gain when my policy matures?” “On top of a disciplined savings plan,
I would like to have some essential
insurance coverage.”
MATURITY = In the event of Death or TPD(5) of
the Life Assured for the first 2 policy
years, the higher of the following
shall be payable:
100% of Total
the Basic entitled Any 100% of total premiums paid for basic plan
Sum Assured Annual Bonuses(6) (inclusive of loading, if any);
Booster OR
Guaranteed Surrender Value PLUS any entitled
Annual Booster PLUS bonuses(6) on death (if any).

In the event of Death or TPD(5) of

What types of bonuses(6) will you enjoy? the Life Assured from the 3rd policy
year onward, the higher of the
Terminal Bonus: This is a non-guaranteed bonus
following shall be payable:
which may be payable when your policy ends –
upon Death/TPD(5), maturity, or if you choose to 110% / 105%(7) of total premiums paid for basic
surrender your policy. plan (inclusive of loading, if any);
OR
Compound Reversionary Bonus (CRB): Basic Sum Assured PLUS entitled Annual
This is a non-guaranteed bonus which is Booster PLUS bonuses(6) on death (if any);
allocated and added to the sum assured of a OR
participating policy, usually on an annual basis. Guaranteed Surrender Value PLUS bonuses(6)
The amount of bonus is not guaranteed and on surrender (if any).
will depend on, among other factors, the actual
operating and investment performance of the In the event of accidental death, the
participating life fund. The declared bonus will following Accidental Death Benefit will be
be payable in full if the Life Assured suffers from paid in addition to the death coverage:
Total and Permanent Disability (TPD)(5) prior
to the policy anniversary date before the Life of the Basic Sum Assured upon death due to
1x accident^.
Assured is age 70 next birthday, upon death
during the policy term or at the maturity date, of the Basic Sum Assured upon death due to
whichever is earlier. If you choose to terminate
2x accident^ from commuting in public conveyance,
your policy early, e.g. surrender your policy or an elevator car or due to fire while in a public building.
convert your policy, you may not receive the full
amount of the CRB declared. of the Basic Sum Assured upon death due to
3x accident^ occurring outside of Malaysia.

(6)
Bonuses consist of Terminal Bonus and Compound Reversionary Bonus and will be paid as a lump sum upon Death, Total and
Permanent Disability (TPD) before policy anniversary date when the Life Assured is age 70, surrender or maturity. These bonuses are
not guaranteed and will depend on the actual operating and investment results experienced by Prudential’s participating life fund.
(7)
110% for entry age 1 to 50; 105% for entry age 51 to 60.
How PRUGrowth works?
James, aged 35, is a married man with a stable
career. His new goal in life is to provide the best
for his loved ones. He purchases PRUGrowth, an
insurance plan that can help him grow his savings.

With an annual premium of RM4,655 payable

for 10 years, this plan provides James with 30
years of insurance coverage with a Basic Sum
Assured(8) (BSA) of RM15,000.

The plan will also grant James with Annual Booster each year,
total of up to 288% of BSA(9). The granted Annual Booster range
is from RM900 to RM4,200 at the end of each policy year. These
Annual Booster amounts are guaranteed and will be payable if
he keeps the policy until maturity or on earlier Death/TPD.

With the insurance coverage provided by PRUGrowth,

should James suffer from TPD at Policy Year 15 and is
no longer able to provide financial support for his family,
he will receive a lump sum benefit of RM57,889(10) that
could ease his family’s financial burden. The amount
consisting of guaranteed benefit of RM51,208 and non-
guaranteed benefit of RM6,681.

Upon maturity of his policy, if no TPD or Death claim

has been made, he may receive RM107,122(11),
consisting of RM15,000 from BSA and RM43,200
from the total entitled Annual Booster as well
as potential bonuses of RM48,922 available on
maturity. The money received upon maturity can be
used to do anything he loves the most.

Note: The above example is for illustrative purposes only. The calculation above is based on Age 35, Male Non-Smoker,
10 Pay 30, with Basic Sum Assured of RM15,000 and with the assumption of Participating Fund earning 5% every year.
 HIGH SCENARIO Y(13)
UPON MATURITY: (A) + (B) + (C) =
RM107,122

LOW SCENARIO X(13) Including Potential

Bonuses(12) (C)
UPON MATURITY:
(A) + (B) + (C) =
RM58,200 (C) = RM48,922
under high scenario Y
(C) = 0 under low scenario X

ANNUAL BOOSTER Year: 01 – 06 6% of BSA p.a RM900 X 6 years = RM5,400

288% Year: 07 – 27 8% of BSA p.a RM1,200 X 21 years = RM25,200
of Basic Sum
Assured (BSA)
RM43,200 (B) Year: 28 – 30 28% of BSA p.a RM4,200 X 3 years = RM12,600

BASIC SUM ASSURED – RM15,000 (A)

SAVE MORE with Yearly Premium method!

Yearly Yearly Monthly Monthly
Direct Debit/Credit Card Cash/Cheque Direct Debit/Credit Card Cash/Cheque

RM47,484.00 RM49,158.00
RM395.70 X RM409.65 X
12 months X 10 years 12 months X 10 years
RM46,552.50
RM4,655.25 X 10 years PAY MORE* PAY MORE*
RM931.50 RM2,605.50
*Compared to Yearly Premium method

10 YEARS PREMIUM
(8)
The Death/TPD benefit is not solely based on the Basic Sum Assured. Please refer to the “Essential coverage for
Death & Total and Permanent Disability (TPD)” column for more details.
(9)
If you select 30 years of coverage term, the total entitled Annual Booster at maturity comprises 288% of the Basic
Sum Assured.
(10)
The projected TPD Benefit at Year 15 is based on high scenario assuming the participating life fund earns 5%
(gross of tax and expenses) every year. Under low scenario assuming the participating life fund earns 2% (gross
of tax and expenses) every year, the projected TPD Benefit at Year 15 will be RM51,208, consist of guaranteed
benefit only.
(11)
The projected Maturity Benefit is based on high scenario assuming the participating life fund earns 5% (gross of
tax and expenses) every year. Under low scenario assuming the participating life fund earns 2% (gross of tax and
expenses) every year, the projected Maturity Benefit will be RM58,200, consisting of guaranteed benefit only.
Bonuses consist of Terminal Bonus and Compound Reversionary Bonus and will be paid as a lump sum upon Total
and Permanent Disability (TPD) before policy anniversary date when the Life Assured is age 70, death, surrender
or maturity. These bonuses are not guaranteed and will depend on the actual operating and investment results
experienced by Prudential’s participating life fund.
(12)
The illustrations of Non-Guaranteed benefits have been prepared on two hypothetical investment scenarios.
a. Scenario X = Assumes the participating fund earns 2% every year
b. Scenario Y = Assumes the participating fund earns 5% every year
(13)
The two rates are used purely for illustrative purposes to show the variability of non-guaranteed benefits under the
different investment scenarios and are NOT GUARANTEED. They do not represent upper and lower limits on the
investment performance of the participating fund, and are not the returns earned on the actual premiums paid
for the life insurance product.
Enhance your protection with
OPTIONAL RIDERS

PRUWaiver Spouse Waiver Parent Waiver

E n s u r e s conti nuous Ensures the LIFE ASSURED Ensures the LIFE ASSURED
PROTECTION without will continue to be protected will continue to be protected
the need to pay all without the need to pay without the need to pay all
future premiums if all future premiums if the future premiums up to policy
the LIFE ASSURED is spouse (Insured Life for this anniversary date before the
diagnosed with Critical rider) suffers from TPD(15), Life Assured attains age 25
Illness. dies or is diagnosed with or the end of the premium
Critical Illness, whichever is payment term (whichever is
earlier. earlier), should the parent
(Insured Life for this rider)
suffers from TPD(15), dies or is
diagnosed with Critical Illness,
whichever is earlier.

Kickstart your savings with

3 SIMPLE STEPS
Upon Maturity
100% of Basic Sum
Assured
Step 1 Step 2 Step 3 +
Select your Select your Select your Riders Total entitled Annual
Coverage Amount Preferred Options (optional) Booster
+
Min. Sum Assured 5 Pay 15, 5 Pay 20 PRUWaiver, Spouse or Any bonuses(14)
of RM10,000 10 Pay 20 & 10 Pay 30 Parent Waiver on maturity

(14)
Bonuses consist of Terminal Bonus and Compound Reversionary Bonus and will be paid as a lump sum upon Death,
Total and Permanent Disability (TPD) before policy anniversary date when the Life Assured is age 70, surrender
or maturity. These bonuses are not guaranteed and will depend on the actual operating and investment results
experienced by Prudential’s participating life fund.
(15)
Total and Permanent Disability (TPD) Benefit expires at the policy anniversary date when the Life Assured is age 70.
 Most Frequently Asked Questions
How was the past performance of the participating life fund?

6.35% 4.82% 6.29% 6.10% 7.58%

Year Year Year Year Year

2013 2014 2015 2016 2017
The past investment performance of the fund is not an indication of its future performance. This is strictly the
investment performance of the participating life fund, and not the returns earned on the premiums. The actual
returns earned on premiums at maturity/surrender will be lower due to cost of insurance and expenses. Rates
shown above are gross of tax and expenses.

What is PRUGrowth? Am I eligible for this plan?

Sure, if you are aged between 14 days
It is a limited pay anticipated
to 60 years, subject to expiry age 80.
participating endowment plan
that offers a combination of
protection and savings.
How much You can set it to as low
Basic Sum as RM10,000 or opt
Assured for a higher coverage
can I go amount (subject to
for? underwriting).

How much premium do I

need to pay?
The premium you pay depends on your entry age, your
chosen Basic Sum Assured, premium payment term,
policy term and optional riders (if any).

Can I surrender the policy at

How to qualify any time?
for Large Sum
Assured You can surrender your policy at any
Discount? time. However, if you cancel the policy
in the early years, you will not receive
Large sum assured the full value of the premium you
discount is applicable have paid and the full amount of the
to Basic plan only for
Annual Booster that you entitled. Upon
Basic Sum Assured
equal or larger than surrender, a surrender value will be
RM20,000. payable and all the benefits under this
plan will cease.
Important Notes:
This brochure is for illustrative purposes only. You are advised to refer to the PRUGrowth
• 
Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer to
the Terms and Conditions in the policy document for details of the important features
of the plan.

• You should satisfy yourself that this product will best serve your needs. You should also
satisfy yourself that the premium payable under the policy is an amount that you can
afford. To achieve this, we recommend that you speak to your agent or 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.

• Premium rates for the basic plan are guaranteed. However, premium rates for the
optional riders are not guaranteed. Prudential reserves the right to revise the premium
rates for the optional riders at policy anniversary by giving a 90-day prior notice.

• T
 here is a free look period of 15 days after the date of delivery of your policy, to allow
you to review if the product meets your needs. If the policy is cancelled within the free
look period, we will refund to you the premiums that you have paid less any medical
fee incurred.

• T
 he benefits are subjected to exclusions, please refer to the exclusion clauses in the
Product Disclosure Sheet and Sales illustration. You may refer to the policy document
for the full list of exclusions.

• I t is important that any receipt that you receive should be kept as proof of payment of
premiums.

• I n the event that you do not pay your premium due within one month of grace period,
then the amount of cash value available will be used to pay for your premium through
Automatic Premium Loan at the prevailing interest rate, as determined by Prudential.
If the cash value is insufficient to pay for such outstanding premiums or other debts
with Prudential, then your policy will lapse.

• Any age reference shall be on the basis of Age Next Birthday.

• I n the event that there shall be any conflict or inconsistencies between the English,
Bahasa Malaysia and Chinese versions of the brochure and for the purpose of
interpretation, the English language version of the brochure shall prevail.

• PRUGrowth is not a Shariah-compliant product.

• P
 rudential Assurance Malaysia Berhad (PAMB) is an insurance company licensed
under the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.
 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 PAMB or visit PIDM website (www.pidm.gov.my) or call PIDM toll-free line (1-800-88-1266).
Prudential Assurance Malaysia Berhad
(107655-U)

Level 20, Menara Prudential,

Persiaran TRX Barat,
55188 Tun Razak Exchange,
Kuala Lumpur, Malaysia
Tel: 03-2116 0228
Email: customer.mys@prudential.com.my
05/2019

www.prudential.com.my