Vous êtes sur la page 1sur 20

PRUlink one

Specially prepared for: Miss

Prepared by: MANIMARAN A/L RAMACHANDRAN


This insurance plan is underwritten by Prudential Assurance Malaysia Berhad (107655-U), a company licensed under the Insurance Act 1996 and regulated by Bank Negara Malaysia.

PRUDENTIAL ASSURANCE MALAYSIA BERHAD Product Disclosure Sheet for PRUlink one
Please read this Product Disclosure Sheet before you decide to take up PRUlink one. Be sure to also read the general terms and conditions. The information provided in this disclosure sheet is valid as at 14/09/2012. 1. What is this product about? PRUlink one is a regular premium investment-linked insurance policy (ILIP). The basic plan offers a combination of insurance protection and investment. It pays a lump sum death benefit (i.e. the basic sum assured) and the value of the investment units should you suffer from TPD before age 70 or pass away. In addition to the basic plan, you can choose from a range of optional and add-on benefits to suit your budget and prevailing needs for other covers, subject to additional premium. The value of the ILIP depends on the price of underlying units, which in turn depends on the performance of the fund(s) invested. 2. What are the benefits provided? Benefit Death Benefit Lump sum Income Auto Increase of Death Benefit NA (On 5th , 8th , 11th and 14th riders anniversary) Total & Permanent Disability Benefit Lump sum Income Auto Increase of Total and Disability Benefit Amount RM 150,000 plus the total investment value NA Benefit Medical Benefit (1) PRUhealth Room & Board Medical Reimbursement i) Hospital and Surgical Benefit ii) Outpatient Treatment Benefit Reimbursement up to i) Annual limit on benefits payable ii) Aggregate lifetime limit payable RM 150,000 RM 5,000 per year No claims bonus Auto upgrade to next higher plan (on 5th and 10 th rider's anniversary) Auto switch to coinsurance plan at age 55 Amount NA NA

NA NA NA NA NA

NA

(On 5th , 8th , 11th and 14th riders anniversary) Critical Illness Benefit Lump sum Early Critical Illness Income Accidental Benefit Accidental death/injury Accidental Medical Reimbursement Accidental Income i)Temporary Total Disability ii)Temporary Partial Disability Up to RM 100,000 Up to RM3,000 per accident RM 50,000 NA RM 6,000 per year

Medical Benefit (2) PRUmedic overseas Medical Reimbursement i) Hospital & Surgical Benefit ii) Outpatient Treatment Benefit Reimbursement up to i) Annual limits on benefits payable ii) Aggregate lifetime limit payable Well-being benefit RM 400 per week RM 200 per week NA NA

NA

Medical Benefit (3) PRUmedic essential Hospital Cash Benefit ICU Cash Benefit NA NA NA

iii) Confinement in government hospital RM 200 per day Female Illnesses Benefit Lady Care Benefit Mother Care Benefit Hospitalisation Income Benefit Hospital Confinement ICU Confinement Surgical Procedure Benefit RM 100 per day RM 100 per day Up to RM 2500 per surgery NA NA Medical Reimbursement i) Surgical, In-Hospital and Related Services Benefit ii) Day Surgery Benefit iii) Emergency Accidental Treatment Benefit (up to RM1,000 per accident) Medical Benefit (4) PRUflexi med Room & Board Allowance Medical Reimbursement Payor Benefit Payor on life assured's life Payor on spouse's life RM 3,000 p.a. NA i) Hospital & Surgical Benefit ii) Outpatient Treatment Benefit Medical Reimbursement up to i) Annual limit on benefits payable ii) Aggregate lifetime limit payable Medical Benefit - PRUclinic care

RM 200 As Charged

RM 50,000 RM 1,000,000

Medical Reimbursement at Panel Clinics up to i) Annual limit on benefits payable NA

Fund invested: Local Funds PRUlink equity fund PRUlink dana unggul Global Funds PRUlink Asia property securities fund : 0% PRUlink Asia managed fund : 0% : 0% PRUlink Asia local bond fund PRUlink global market navigator fund : 0% PRUlink dragon peacock fund PRUlink Asia equity fund : 0% : 0% : 100% : 0% PRUlink managed fund II PRUlink dana urus II : 0% : 0% PRUlink bond fund PRUlink dana aman : 0% : 0%

Reminder : Please refer to the sales illustration for more information about the benefits of the basic plan and its optional and add-on benefits, as well as the objectives of the investment-linked fund. It is important to select a plan or a combination of funds that suit your financial goals and risk profile. 3. How much premium do I have to pay? The total premium that you have to pay and the policy terms may vary depending on the underwriting requirements of the insurance company. The estimated total premium that you have to pay is RM250.00 monthly. You are given one month's grace period after the due date for the payment of premium. The insurance company allocates a portion of the premium to purchase units in the investment-linked fund(s). Any unallocated amount will be used to pay commissions to agent/ wealth planner and other expenses of the insurance company. You are advised to refer to the allocation rates given in the sales illustration. 4. What are the fees and charges I have to pay? The insurance coverage charges are deducted monthly from the value of your units. The insurance charges will increase as you grow older. Details of the insurance charges for the ILIP are given in the sales illustration. Other fees and charges are as follows: Service charge of RM5 is levied monthly. Fund switch fee is set at 1% subject to a maximum of RM50. Four free switches are allowed every year. There is no flexibility to switch fund if PRUlifestyle saver is attached and it has not expired. Top-up/ LifestyleTop-up incurs a one-off fee of RM25. Fund management charge levied will depend on the fund(s) invested. Details of fund management charge are given in the sales illustration. Note: We may change the fees and charges above at policy anniversary by giving a 90-day notice to you (30 days for medical benefits and hospitalisation income benefits) except for Fund Management Charge that we may change it from time to time. 5. What are some of the key terms and conditions that I should be aware of? Importance of disclosure - you must disclose all material facts such as medical condition and your occupation which would affect the risk profile and state your age correctly. Free-look period - you may cancel your ILIP by returning the policy within 15 days after the policy has been delivered to you. The insurance company will refund to you the unallocated premiums, the value of units that have been allocated (if any) at unit price at the next valuation date and any insurance charge and other charges that have been deducted less any medical fee incurred. Cash value - the cash value of the ILIP depends on the performance of the investment-linked fund(s) invested. The higher the level of Insurance coverage selected, the more units will be absorbed to pay for the insurance charges and the fewer units will remain to accumulate cash values under your policy. You should consider whether the allocation of insurance premiums towards protection and investment meets your financial circumstances. Policy lapse - The ILIP will lapse when the value of investment units is insufficient to pay for the insurance and other charges. Waiting period (if applicable) Benefit Critical Illness & Payor Benefit Conditions Heart attack, coronary artery disease and cancer All other illnesses Early Critical Illness Benefit Low and medium severity illnesses Special Benefit Medical Benefit Specified illnesses All other illnesses Hospitalisation due to accidents Clinical Benefit (PRUclinic care) All conditions Waiting Period 60 days 30 days 90 days 60 days 120 days 30 days Immediately 1 day from commencement date Hospitalisation Income Benefit Hospitalisation due to accidents All other causes Female Illnesses Benefit Systemic Lupus Erythematosus with Lupus Nephritis and Osteoporotic Fracture Female Related Cancer, Skin Grafting due to Skin Cancer & Breast Reconstructive Surgery Carcinoma-in-situ of the Breast or Cervix Uteri Mother care benefit Accidental Benefit All conditions Immediately 30 days 30 days 60 days 120 days 1 year Immediately

Coinsurance/ deductible for medical benefits (if applicable) (1) PRUhealth You will have to pay 10% of the total cost of an eligible benefit (excluding daily room & board), subject to minimum coinsurance amount of RM300 and maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit and maximum coinsurance amount of RM2,000 for Outpatient Treatment Benefit. We reserve the right to revise the minimum and maximum coinsurance amount at policy anniversary, by giving 30 day notice (2) PRUmedic overseas We will bear the total cost of an eligible benefit up to annual limit for treatment/ hospitalisation of covered conditions in Singapore, Hong Kong and China. (3) PRUmedic essential You will have to pay 10% of the total cost of an eligible benefit (excluding Hospital & Intensive Care Unit Cash Benefits), subject to maximum coinsurance amount of RM1,000 per year. The Coinsurance is not applicable to treatments incurred during confinement in Government Hospital (4) PRUflexi med We will bear the total cost of an eligible benefit (excluding the cost of daily room & board) up to annual limit.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions under this policy. 6. What are the major exclusions under this policy? If it is a suicide within the first year from the commencement date of the policy or the date of policy revival, we shall pay the sum of value of units at the valuation date after the date of notification. Total and permanent disability benefit is not payable if the disability is directly or indirectly caused by (a) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or (b) any traveling in an aircraft other than as a pilot or a member of a crew or a fare paying passenger in a commercial aircraft licensed for passenger service on scheduled flights over established routes only; or (c) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such similar activities This policy does not cover pre-existing condition Note: This list is non-exhaustive. Please refer to the policy contract for more details about the major exclusions under this policy. 7. Can I cancel my policy? Buying a regular premium ILIP is a long-term commitment. It is not advisable to hold this policy for a short period of time in view of the high initial costs. If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch fund. You are allowed 4 switches per year without any fee. For additional switches, you may be charged a processing fee. You may cancel your policy by giving a written notice to the insurance company. Upon cancellation, you are entitled to receive the value of the investment units.

8. What do I need to do if there are changes to my contact details? It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner. 9. Where can I get further information? Should you require additional information about investment-linked insurance and medical & health insurance, please refer to the insuranceinfo booklet on Investment-Linked Insurance and Medical & Health Insurance, available at all our branches or you can obtain a copy from your insurance agent/ wealth planner or visit www.insuranceinfo.com.my . If you have any enquiries, please contact us at: Prudential Assurance Malaysia Berhad Menara Prudential, 10 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia. Tel: 03-2031 8228 Fax: 03-2032 3939 E-mail: customer.mys@prudential.com.my 10. Other similar types of plan available Please ask your insurer/agent/wealth planner for other similar types of plans offered by the insurer.

IMPORTANT NOTE: 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. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED INSURANCE PLAN CHOSEN MEET YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE PREMIUM THROUGHOUT THE POLICY DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONAL PREMIUMS AS TOP UPS. RETURN ON AN INVESTMENT-LINKED FUND IS NOT GUARANTEED. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION. IT IS IMPORTANT THAT ANY RECEIPT THAT YOU RECEIVE SHOULD BE KEPT AS PROOF OF PAYMENT OF PREMIUMS.

PRUDENTIAL ASSURANCE MALAYSIA BERHAD Sales Illustration for PRUlink one


Details Name Date of birth Life Assured's Details : Miss : 14/8/1984 Plan Type : Investment-linked Insurance

Age next birthday : 29 Gender Smoking status : Female : No

Total Premium : RM 250.00 Payment frequency : Monthly Payment mode : Auto Debit

Occupation class : Class 2

Fund invested: Local Funds PRUlink equity fund (PE) PRUlink dana unggul (HE) Global Funds PRUlink Asia property securities fund (APS) : 0% PRUlink Asia managed fund (AMF) : 0% Benefits: Accounts Basic Unit Account: Plan PRUlink one Crisis Shield Plus PRUacci guard PRUlink Asia local bond fund (ALB) : 0% PRUlink dragon peacock fund (DPF): 0% : 0% PRUlink global market navigator fund (GMN) : 0% PRUlink Asia equity fund (ASF) Term (Years) 71 71 41 Sum Assured (RM) : 100% PRUlink managed fund II (PM2) : 0% PRUlink dana urus II (HM2) PRUlink bond fund (PF) PRUlink dana aman (HF) : 0% : 0%

: 0% : 0%

Premium (RM) 60.32 35.00 14.00 109.32(A) 4.00 16.80 4.06 15.28 73.64 8.33 4.17 14.40 140.68(B) 250.00 (A+B)

100,000 50,000 100,000 Total Basic Unit Account Premium 5,000 6,000 3,000 4 200/50,000 Deductible:0 1 1 3,000 p.a. p.a. Unit(s)

Protection Unit Account : PRUdisability provider Crisis Cover Income PRUacci med PRUacci income PRUflexi med (R&B Allowance/Annual Limit) PRUmed Hospital Benefit Enhanced PRUpayor basic

36 41 41 41 41 41 41 71

Unit(s) Unit(s) p.a.

Total Protection Unit Account Premium Total Premium

Note: There is an additional 6% service tax which is chargeable on all premiums paid by business organizations. This service tax does not affect the projection of cash value.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 1 of 16

IMPORTANT: 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. 1. You should read this illustration together with the fund fact sheet(s) of the investment-linked fund(s) which you have chosen. The fund fact sheet contains all the important information that you will need to know regarding the investment-linked fund(s). 2. For more information about the benefits of the basic plan and its optional and add-on benefits, as well as the objective of each investment-linked fund, please refer to Appendix at the end of this sales illustration. 3. Since only 40% of the Annual Premium for the first policy year is allocated towards the purchase of units, while top-up allocates 95% of the amount towards purchasing units, you can maximise your investment value by maintaining sufficient premium to meet your insurance benefits and increasing your top-ups. Minimum Annual Premium Required : RM 1,200 Minimum Top-ups allowed : RM 500 4. Therefore, if your purchase involves a premium of sizeable amount say RM5,000 and above, you should consider purchasing single premium investment-linked policy (rather than a regular premium policy) as single premium plans offer better allocation rates for investment. 5. Your investment-linked policy will terminate if there are insufficient units in your fund to pay the required charges. Your units could be insufficient over the years due to: a) Poor investment return b) Premium holiday - i.e. if you stop paying premiums for a long period of time. c) High insurance charges if you buy a lot of optional and add-on benefits, and especially if the charges are increasing over time as you get older. 6. The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your insurance agent/ wealth planner or insurance company on your tolerance to risk. WARNING: YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED FUND VALUE IS NOT ENOUGH TO PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR PREMIUMS OR REDUCE THE LEVEL OF INSURANCE PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY*. * You should ask your insurance agent/ wealth planner to explain to you about the insurance charges and its effect on your future insurance coverage. SUMMARY ILLUSTRATION: 1. The summary illustration in the following pages is intended to show the movements of possible cash flows for the investment and the impact of fees and charges on cash values based on illustration below. 2. The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment fund(s). They are neither guaranteed nor based on the past performance. 3. Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the past performance of the assets of the fund invests in. The actual returns may even be below the projected rates or negative.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 2 of 16

Summary Illustration
End of Age Policy Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 Premium Paid at the Beginning Year (RM) Total Premium Outlay (RM) Loyalty Bonus Credited Basic Unit Account Cash Value (RM) Projected Investment Return (X%) 205 542 1,015 1,640 2,538 3,496 4,652 5,883 7,195 8,659 10,153 11,744 13,503 15,308 17,223 19,299 21,411 23,623 25,998 28,409 30,129 31,911 33,621 35,316 37,042 38,668 40,243 41,824 43,280 44,652 Projected Investment Return (Y%) 198 511 935 1,475 2,241 3,009 3,907 4,805 5,704 6,670 7,569 8,467 9,428 10,320 11,203 12,122 12,939 13,718 14,515 15,190 15,809 16,423 16,898 17,292 17,653 17,847 17,928 17,954 17,794 17,494 Protection Unit Account Cash Value (RM) Projected Investment Return (X%) 144 383 752 1,260 2,065 2,895 3,919 4,982 6,084 7,315 8,507 9,745 11,111 12,426 13,768 15,218 16,604 18,007 19,530 20,981 21,865 22,780 23,566 24,277 24,971 25,508 25,955 26,403 26,768 27,062 Investment Unit Account Cash Value (RM) Projected Projected Investment Investment Return Return (Y%) (X%) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000

3,000 6,000 9,000 12,000 15,000 18,000 21,000 24,000 27,000 30,000 33,000 36,000 39,000 42,000 45,000 48,000 51,000 54,000 57,000 60,000 63,000 66,000 69,000 72,000 75,000 78,000 81,000 84,000 87,000 90,000

0 0 0 0 0 0 0 0 0 150 0 0 150 0 0 150 0 0 150 0 0 150 0 0 150 0 0 150 0 0

Projected No Claims Investment Bonus Return Credited (Y%) 139 0 361 0 694 0 1,139 0 1,838 0 2,511 0 3,320 0 4,101 0 4,855 0 5,665 0 6,357 0 7,018 0 7,725 0 8,295 0 8,806 0 9,338 0 9,712 0 10,013 0 10,341 0 10,499 0 10,574 0 10,647 0 10,556 0 10,360 0 10,120 0 9,697 0 9,162 0 8,611 0 7,958 0 7,218 0

Where " - " is shown in the above illustration, this indicates that the policy has ceased to be in-force under the respective projected investment returns.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 3 of 16

Summary Illustration (Continue)


Guaranteed** End of Policy Age Year Non-Guaranteed Projected Investment Return (X%) Death Sum Assured^ (RM) Critical Illness Sum Assured (RM) Total Cash Value (RM) Total Death Benefit^ (RM) Projected Investment Return (Y%) Total Cash Value (RM) Total Death Benefit^ (RM)

1 30 150,000 50,000 349 150,349 337 150,337 2 31 150,000 50,000 925 150,925 872 150,872 3 32 150,000 50,000 1,767 151,767 1,629 151,629 4 33 150,000 50,000 2,900 152,900 2,614 152,614 5 34 150,000 50,000 4,603 154,603 4,079 154,079 6 35 150,000 50,000 6,391 156,391 5,520 155,520 7 36 150,000 50,000 8,571 158,571 7,227 157,227 8 37 150,000 50,000 10,865 160,865 8,906 158,906 9 38 150,000 50,000 13,279 163,279 10,559 160,559 10 39 150,000 50,000 15,974 165,974 12,335 162,335 11 40 150,000 50,000 18,660 168,660 13,926 163,926 12 41 150,000 50,000 21,489 171,489 15,485 165,485 13 42 150,000 50,000 24,614 174,614 17,153 167,153 14 43 150,000 50,000 27,734 177,734 18,615 168,615 15 44 150,000 50,000 30,991 180,991 20,009 170,009 16 45 150,000 50,000 34,517 184,517 21,460 171,460 17 46 150,000 50,000 38,015 188,015 22,651 172,651 18 47 150,000 50,000 41,630 191,630 23,731 173,731 19 48 150,000 50,000 45,528 195,528 24,856 174,856 20 49 150,000 50,000 49,390 199,390 25,689 175,689 21 50 150,000 50,000 51,994 201,994 26,383 176,383 22 51 150,000 50,000 54,691 204,691 27,070 177,070 23 52 150,000 50,000 57,187 207,187 27,454 177,454 24 53 150,000 50,000 59,593 209,593 27,652 177,652 25 54 150,000 50,000 62,013 212,013 27,773 177,773 26 55 150,000 50,000 64,176 214,176 27,544 177,544 27 56 150,000 50,000 66,198 216,198 27,090 177,090 28 57 150,000 50,000 68,227 218,227 26,565 176,565 29 58 150,000 50,000 70,048 220,048 25,752 175,752 30 59 150,000 50,000 71,714 221,714 24,712 174,712 Where " - " is shown in the above illustration, this indicates that the policy has ceased to be in-force under the respective projected investment returns. The Death Sum Assured and Total Death Benefit illustrated are not inclusive of PRUlife incomes sum assured. If PRUlife income is attached, its sum assured will be payable as yearly income for 20 years. **The amount is guaranteed payable as long as the policy is in force and there are positive values in the BUA, PUA and IUA. Please see column under Total Cash Value. ^ Provided no critical illness claim has been made * Only applicable for Projected Investment Return (X%) as the policy has ceased to be in-force under Projected Investment Return (Y%). +Only applicable if PRUlifestyle saver is selected.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 4 of 16

Summary Illustration (Continue)


Allocated Premium (RM) End of Age Policy Year Annual Charges (RM) Projected Investment Projected Investment Other Return X% Medical Optional Return Y% Unallocated Benefit & Add-on Other Premium 1 Basic Fund Fund Insurance Benefit(s) Charges Basic (RM) Insurance Mgmt Mgmt Insurance Charge Insurance (RM) Charge Charge Charge Charge (RM) Charge (RM) (RM) (RM) (RM) (RM) 1,800 125 3 125 3 264 414 60 1,500 125 10 125 9 323 459 60 1,200 125 21 125 19 344 519 60 900 125 35 125 32 378 559 60 300 125 57 125 51 399 662 60 300 125 83 125 73 421 671 60 0 125 113 125 97 442 687 60 0 125 146 125 122 463 700 60 0 125 181 125 147 485 711 60 0 125 219 125 172 506 723 60 0 125 260 125 198 527 741 60 0 125 301 125 221 549 758 60 0 125 345 125 245 573 778 60 0 125 392 125 269 605 809 60 0 127 440 127 290 633 852 60 0 142 490 142 311 663 905 60 0 159 543 159 331 695 969 60 0 178 596 178 348 727 1,034 60 0 201 651 201 364 763 1,084 60 0 228 710 228 379 803 1,161 60 0 256 759 256 391 837 1,242 60 0 291 798 291 400 872 1,330 60 0 328 838 328 409 909 1,412 60 0 369 874 369 413 971 1,495 60 0 416 909 416 415 1,037 1,610 60 0 469 945 469 415 1,093 1,701 60 0 526 976 526 409 1,150 1,811 60 0 591 1,005 591 401 1,206 1,909 60 0 661 1,035 661 392 1,262 1,919 60 0 741 1,061 741 378 1,317 2,008 60

BUA

PUA

IUA

Direct Distr. Cost 2 (RM)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
1 This 2

30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59

525 656 787 918 1,181 1,181 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312 1,312

675 844 1,013 1,182 1,519 1,519 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688 1,688

N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

900 1,050 600 750 450 450 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

represents a charge to your premium and is used to meet the direct distribution cost and company's expenses. Cost directly attributed to the distribution channel for the sale/ marketing of this policy, i.e. payments to agent/ wealth planner. This cost is paid from the charges that are imposed on your policy for services that the agent/ wealth planner will provide to you for the duration of your policy. The agent/ wealth planner may also entitle to production and persistency bonus during the first three years of the policy provided that the agent/ wealth planner meets the qualifying criteria set by insurer. Where - is shown in the above illustration, this indicates that the policy has cease to be in-force under the respective projected investment returns.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 5 of 16

Notes: Prudential believes it is important that you fully appreciate all the benefits under your policy, and that you also understand how the cost of insurance protection, distribution, administration, investment and other costs affect these benefits. You should assess the affordability and suitability of the product (including optional benefits) in relation to your financial goals and risk appetite. To achieve this, we recommend you speak to your agent or Wealth Planner who will perform a needs analysis and assist you to make an informed decision. Buying a regular premium life policy is a long term commitment. It is not advisable to hold this policy for a short period of time in view of the high initial costs. Should you stop paying premium, the plan may continue for as long as there are sufficient units in the account. The charges (insurance charge and service charge) for the respective accounts will be deducted through cancellation of units, subject to consent given by you. PRUlink one is not a syariah-compliant product. Please refer to policy document for more details on the product. The information set out below explains the individual items in the Summary Illustration table. All premium and benefit amounts are stated in monetary value. The benefit is only applicable as long as the policy is in force. 1. Premium Paid This is the amount that you (the policyholder) pay for this policy. Please take note that not all of the amount paid will be invested into the investment-linked fund(s). Please refer to the explanation on unallocated and allocated premium. 2. Basic Unit Account (BUA) Cash Value The BUA cash value is the balance unit value of all past allocated Linked Premium (consists of Basic Assurance and Optional Benefit, if any) and loyalty bonus** credited, less charge levied.

7. Total Cash Value This is the projected value of units in Basic Unit Account, Protection Unit Account and Investment Unit Account at the end of the policy year that you may receive if you surrender the policy and is net of tax and all applicable charges. If the policy is terminated early, you may get less than the amount of premiums paid. The above illustration assumes cross support among Basic Unit Account, Protection Unit Account and Investment Unit Account within the policy. 8. Total Death Benefit This amount comprises Sum Assured of the Basic Assurance, PRUlife growth, Crisis Shield Plus (if applicable) and the Cash Value of Basic Unit Account, Protection Unit Account and Investment Unit Account which will be payable upon your death. 9. Projected Investment Return The rate of projection of benefits below assumes current law, tax, charges and investment returns (per annum). The Cash Value for the BUA, PUA and IUA after Year 20 of the policy are projected at a different Projected Investment Return rate. Projected Investment Return (X%) First 20 years Equity Fund Managed Fund Bond Fund 9% 8% 7% Projected Investment Return (X%) After 20 years 6.0% 5.5% 5.0% Projected Investment Return (Y%) All Years 2% 3% 4%

Type of Fund

The X% and Y% returns above have been used respectively to represent the 3. Protection Unit Account (PUA) Cash Value range of possible returns of Investment-linked funds. The illustrated returns The PUA cash value is the balance unit value of all past allocated Add-On are net after deduction of fund tax and the annual fund management charge. It is emphasised that the X% and Y% assumptions are only for the purposes Benefits premium and loyalty bonus** credited, less charges levied. of illustration and do not represent the upper and lower limit of the actual rate 4. Investment Unit Account (IUA) Cash Value that may occur. The IUA is the balance unit value of all past allocated PRUsaver Please refer to Appendix for Investment-linked Funds for more information premium, and no claims bonus*** credited. on the past actual annual investment returns of the investment-linked funds. **Loyalty bonus : We will credit 5% of annualised premium (excluding premiums for top-ups and PRUsaver/ premium) into units upon completion of the 10th policy year and every 3 years thereafter if you consistently pay your premium on a timely manner, subject to terms and conditions stipulated in your policy document. ***No claims bonus (if PRUhealth is attached): The projected cash value assumes no medical claims are made from PRUhealth Note that . if you make a claim from PRUhealth the projected cash value will be , lower than illustrated. 5. Death Sum Assured Death Sum Assured comprises sum assured of the Basic Assurance, PRUlife growth and Crisis Shield Plus (if applicable), which is the minimum amount to be received on death or TPD before age 70. 6. Critical Illness Sum Assured This is the amount that will be payable upon diagnosis of a critical illness. This amount comprises Sum Assured of the Crisis Defender, Crisis Shield Plus, Crisis Shield and Multiple Crisis Protector. Early Crisis Protector Sum Assured will be payable upon diagnosis of early critical illness that are being listed in the below appendix. 10. Allocated Premium This is the amount that will be used to purchase units in the investmentlinked fund(s). Illustrated below is the premium allocation rate for a benefit term of 20 years and above. For benefit term below 20 years, the premium allocation rate will be scaled up proportionately. For PRUsaver and top-ups, the premium allocation is 95%. Example: Assuming your yearly combined premium for Basic Unit Account (BUA) and Protection Unit Account (PUA) is RM1,200 and for Investment Unit Account (IUA) is RM600, your premium allocation will be as follows:

Policy Year

2 1,200 50% 600 600 95% 570

3 1,200 60% 720 600 95% 570

4 1,200 70% 840 600 95% 570

5&6 1,200 90% 1080 600 95% 570

7& above 1,200 100% 1200 600 95% 570

BUA & PUA 1,200 premium Allocated % 40% Premium RM 480 IUA Premium 600

Allocated % 95% Premium RM 570

11. Unallocated Premium The unallocated premium charge is an upfront charge on the premium paid and is used to meet insurers expenses and direct distribution cost, including commissions payable to the agent/ wealth planner.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 6 of 16

12. Charges Insurance Charges are deducted monthly from the value of your units to pay for your insurance coverage. The insurance charge for insurance coverage varies by the attained age, gender, occupational class, health condition and smoking status. The insurance charges will increase as you grow older. Medical benefit insurance charge include insurance charge for PRUhealth or PRUflexi med, PRUclinic care (if any), PRUannual limit waiver (if any), PRUmedic overseas (if any), PRUmedic auto upgrade (if any), PRUmedic essential (if any) and PRUmedic retirement (if any). Other Charges include service charge, administration charge and guarantee charge. (if it applies). Fund Management Chargerefers to the annual management fee (% of investment-linked fund) deducted to cover cost of managing investment fund. Please refer to Appendix for Investment-link Funds for more information about the fund management charge for the investment-link funds These charges are taken out of your investment-linked fund(s).

The illustrated insurance and other charges are based on current levels. They are not guaranteed and may be varied at policy anniversary by giving a 90-day notice (30 days for medical benefits and hospitalisation income benefits) except for Fund Management Charge that we may change it from time to time. 13. Total Insurance Charges More Than Premium Paid This is an investment-linked policy and the insurance charges may increase according to age. According to the benefits that you have purchased, the total insurance charges charged will be more than the premium paid for that year at the age of 54.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 7 of 16

Appendix: Investment-linked Funds


The investment-linked funds below are managed by the investment team of Eastspring Investments Berhad (formerly known as Prudential Fund Management Berhad). Investment Objective PRUlink equity fund (PE) (Equity fund): This fund aims to maximise returns over medium to long term by investing in high quality shares listed on the Bursa Malaysia. PRUlink managed fund II (PM2) (Managed fund): This fund is a managed fund that seeks to maximise returns over medium to long term. This is achieved by investing in shares and fixed interest securities through PRUlink equity fund and PRUlink bond fund and in any other PRUlink funds that may become available in the future. The allocation of the PRUlink managed fund II is set to 80% PRUlink equity fund and 20% PRUlink bond fund. PRUlink bond fund (PF) (Bond fund): This fund aims to provide medium to long term accumulation of capital, by investing in selected fixed interest securities, corporate bonds deposits and fixed deposits. PRUlink dana unggul (HE) (Equity fund): This fund aims to maximise returns over medium to long term by investing in high quality Syariah-approved shares listed on the Bursa Malaysia. PRUlink dana urus II (HM2) (Managed fund): This fund is a managed fund that seeks to maximise returns over medium to long term. This is achieved by investing in Syariah-approved shares and Islamic debt securities through PRUlink dana unggul and PRUlink dana aman and in any other such PRUlink Funds that may become available in the future. The allocation of the PRUlink dana urus II is set to 80% PRUlink dana unggul and 20% PRUlink dana aman. PRUlink dana aman (HF) (Bond fund): This fund aims to provide medium to long term accumulation of capital by investing in selected Islamic debt securities. PRUlink Asia property securities fund (APF) (Equity fund): PRUlink Asia property securities fund is an actively managed fund that seeks to maximise income and long-term returns. This is achieved by investing in listed Real Estate Investment Trusts (REITS) and property related securities of companies, which are incorporated, listed or have their area of primary activity in the Asia Pacific region including Japan, Australia and New Zealand. The fund may also invest in depository receipts, debt securities convertible into common shares, preference shares and warrants and through any other PRUlink global funds that may be become available in the future or indirectly via sub funds managed by Eastspring Investments (Singapore) Limited or any other fund manager to be determined from time to time. PRUlink Asia managed fund (AMF) (Managed fund): PRUlink Asia managed fund is an actively managed fund that seeks to maximise returns over medium to long term. This is achieved by investing directly in shares, fixed interest securities and money market instruments in the Asia Pacific ex Japan region and through any other PRUlink global funds that may be become available in the future or indirectly via sub funds managed by Eastspring Investments (Singapore) Limited or any other fund manager to be determined from time to time. PRUlink Asia local bond fund (ALB) (Bond fund): PRUlink Asia local bond fund is an actively managed fund that aims to maximise total returns through investing in fixed income or debt securities that are rated as well as unrated. At inception, PRUlink Asia local bond fund will invest in a sub-fund called Eastspring Investments Asian Local Bond Fund managed by Eastspring Investments (Singapore) Limited. This Sub-Fund invests in a diversified portfolio consisting primarily of fixed income/debt securities issued by Asian entities or their subsidiaries. This Sub-Funds portfolio primarily consists of securities denominated in the various Asian currencies. The fund may also invest in any other PRUlink bond funds that may become available in the future or indirectly via other bond funds. PRUlink global market navigator fund (GMN) (Managed fund): PRUlink global market navigator fund is an actively managed fund that aims to achieve positive absolute returns over the medium-term through the implementation of an actively managed asset allocation strategy in a diversified range of global assets including cash, equities, bonds and currencies. Exposure to each asset classes will be primarily through exchange traded funds, index futures, direct equity and bonds, swaps, options and foreign exchange forwards, each of which may be traded through recognised exchanges or via the over-the-counter markets. The use of derivatives is for efficient portfolio management to gain access to the markets efficiently in a cost effective manner. At inception, PRUlink global market navigator fund will invest in a sub-fund called Eastspring Investments Global Market Navigator Fund managed by Eastspring Investments (Singapore) Limited. The fund may then invest in any other PRUlink absolute return funds that may become available in the future or indirectly via other absolute return funds. PRUlink dragon peacock fund (DPF) (Equity fund): PRUlink dragon peacock fund is a fund that aims to maximize long-term total return by investing primarily in equity and equity related instruments of corporations, which are incorporated in, or listed in, or operating principally from, or carrying on significant business in, or derive substantial revenue from, or whose subsidiaries, related or associated corporations derive substantial revenue from the Peoples Republic of China (PRC) and India. At inception, PRUlink dragon peacock fund will invest in a sub-fund called Eastspring Investments Dragon Peacock Fund managed by Eastspring Investments (Singapore) Limited. The investments of the Sub-Fund include, but are not limited to, listed securities in the Recognised Markets, depository receipts including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs), debt securities convertible into common shares, preference shares and warrants. The fund may invest in any other funds or sub funds managed by Eastspring Investments (Singapore) Limited or any other fund managers to be determined from time to time. PRUlink Asia equity fund (ASF) (Equity fund): PRUlink Asia equity fund is a fund that aims to maximize long-term total return by investing in equity and equity-related securities of companies, which are incorporated, or have their area of primary activity in Asia Pacific ex-Japan. The Asia Pacific ex-Japan region includes but is not limited to the following countries: Korea, Taiwan, Hong Kong, Philippines, Thailand, Malaysia, Singapore, Indonesia, PRC, India, Pakistan, Australia and New Zealand. The fund may also invest in depository receipts [including American Depository Receipts (ADRs) and Global Depository Receipts (GDRs)], debt securities convertible into common shares, preference shares and warrants.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 8 of 16

Fund Management Charge (FMC)

Local Funds
PRUlink equity fund PRUlink managed fund II PRUlink bond fund PRUlink dana unggul PRUlink dana urus II PRUlink dana aman

FMC
1.5% 1.3% 0.5% 1.5% 1.3% 0.5%

Global Funds
PRUlink Asia property securities fund PRUlink Asia managed fund PRUlink Asia local bond fund PRUlink global market navigator fund PRUlink dragon peacock fund PRUlink Asia equity fund

FMC
1.5% 1.35% 1.0% 1.15%* 1.5% 1.5%

*The actual investment charge charged for PRUlink global market navigator fund will depend on the asset allocation of the fund, which will range from 1.00% for allocation to money market instruments or fixed income securities, to 1.50% for allocation to other assets. The actual investment charge will be determined on a monthly basis and will be revised whenever the proportion of fund allocated to money market instruments or fixed income securities shift by more than 10% since the investment charge was last determined. The current fund management charge used for the purpose of this sales illustration is 1.15% p.a. based on the allocation of 70% bonds and 30% equities.

The investment charge will be deducted at each Valuation Date. Historical Actual Annual Returns of the Funds Compared with the selected benchmarks 2007 2008 2009 PRUlink equity fund (PE) Benchmark PRUlink managed fund II (PM2) Benchmark PRUlink bond fund (PF) Benchmark PRUlink dana unggul (HE) Benchmark PRUlink dana urus II (HM2) Benchmark PRUlink dana aman (HF) Benchmark PRUlink Asia property securities fund (APS) Benchmark PRUlink Asia managed fund (AMF) Benchmark PRUlink Asia local bond fund (ALB) Benchmark PRUlink global market navigator fund (GMN) Benchmark PRUlink dragon peacock fund (DPF) Benchmark PRUlink Asia equity fund (ASF) Benchmark 27.80% 31.80% 22.70% 26.20% 4.40% 3.70% 33.70% 43.70% 27.90% 35.70% 4.30% 3.70% 16.00% 19.10% -31.30% -39.30% -25.40% -30.70% 2.40% 3.70% -35.70% -43.50% -29.30% -34.10% 2.10% 3.70% -45.5%* -42.6%* -40.70% -37.80% 3.3%* 3.1%* 5.5%* 1.2%* 42.50% 44.90% 34.00% 36.50% 6.20% 2.50% 38.80% 43.00% 31.10% 34.90% 5.60% 2.50% 34.40% 25.70% 58.30% 57.10% 17.70% 6.30% 12.40% 2.50% -

2010 21.45% 21.76% 18.50% 18.68% 5.67% 2.85% 18.14% 18.20% 15.79% 15.83% 5.78% 2.85% 11.57% 9.18% 4.73% 5.76% 3.67% 1.77% -1.93% 2.85% 9.58%* 3.21%* 6.07%* 9.29%*

2011 3.98% 1.94% 4.04% 2.31% 5.45% 3.04% 8.01% 2.41% 7.31% 2.70% 5.18% 3.04% -4.08% -2.40% -11.88% -8.36% 6.44% 7.75% -5.26% 3.04% -25.11% -25.75% -19.21% -14.73%

*Fund Performance is from fund launch date until year end of the same year (non- annualised return). The benchmarks used for each funds are: PE & PGE FTSE Bursa Malaysia Top 100 PM2 80%FBMT100 + 20% Maybank 12 month Tier 1 Fixed Deposit Rate PF & PGB Maybank 12 month Tier 1 Fixed Deposit Rate HE FTSE Bursa Malaysia Emas Shariah Index HM2 80% FTSE Bursa Malaysia Emas Shariah Index + 20% 12 month Maybank Tier 1 Fixed Deposit Rate HF Maybank 12 month Tier 1 Fixed Deposit Rate APS MSCI AC Asia Pacific REIT AMF 70% MSCI Asia ex Japan Index + 30% JP Morgan Asia Credit Index ALB HSBC Customised Index Composite GMN Maybank 12 month Tier 1 Fixed Deposit Rate DPF 50% MSCI China Index +50% MSCI India Index ASF MSCI Asia ex Japan Index Unit Pricing Unit pricing is done daily. Unit price is calculated based on the market value of the underlying assets of the fund, divided by the number of units issued. The investment-linked funds do not pay any dividend. All investment incomes and capital gains are automatically rolled up in its unit price. Unit price is the single price at which units are created and cancelled. Forward Pricing Units are created and/or cancelled at the next pricing date following receipt of premium or notification of claim/withdrawal.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 9 of 16

Appendix: Death and Total & Permanent Disability Benefit


PRUlink one, PRUdisability provider Plan Description & Benefits PRUlink one is a regular premium investment-linked insurance plan. It pays the sum assured plus the value of units on the death of Life Assured. In the event of Life Assureds Total & Permanent Disability before the 70, the sum assured is payable in lieu of the basic sum assured while units remain in the plan. PRUdisability provider pays the sum assured on each anniversary of claim for as long as the disability continues until age 70 if you suffer from total and permanent disability before age 65.

Conditions: Total and Permanent Disability In the event of total and permanent disability before age 70, one lump sum payable under all policies with us on any one life is up to RM1 million. Any excess will be paid on the anniversary of the disability subject to proof of continued disability. Upon earlier death, the balance shall be payable. The maximum payable under all policies on any one life is RM4 million plus bonuses (if any). Total and permanent disability shall means: -while aged sixteen (16) years but below the age of sixty-one (61) years (a) becomes permanently and completely unable to engage in any occupation and is permanently and completely unable to perform any work for remuneration or profit; or (b) totally and irrecoverably loses sight in both eyes; or (c) totally and irrecoverably loses by severance one limb each at or above his wrist and ankle, or two limbs at or above his wrist or ankle; or (d) totally and irrecoverably loses sight in one eye and totally and irrecoverably loses by severance one limb at or above the wrist or ankle. -while aged sixty one (61) years but below the age of seventy (70) years, the Life assured/Assured/Spouse shall mean confirmation by a Consultant Physician of the loss of independent existence lasting for a minimum period of 6 months and resulting in a permanent inability to perform at least three (3) of the following Activities of Daily Living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons. For the purpose of this benefit, the word "permanent", shall mean beyond the hope of recovery with current medical knowledge and technology. (a) Transfer (b) Dressing (c) Mobility (d) Bathing/Washing (e) Eating (f) Continence

Exclusions Death If it is a suicide within the first year from the commencement date of the policy or date of policy revival, we shall pay the sum of value of units at the valuation date after the date of notification. Total & Permanent Disability No benefit is paid if the disability is directly or indirectly caused by a) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or b) any traveling in an aircraft other than as a pilot or a member of a crew or a fare paying passenger in a commercial aircraft licensed for passenger service on scheduled flights over established routes only; or c) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such similar activities Other Policy Conditions Guaranteed Premium/Insurance Charge: The premium and insurance charge for death and TPD are guaranteed.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 10 of 16

Appendix: Critical Illness and Payors Benefit


Crisis Shield Plus, Crisis Cover Income, Enhanced PRUpayor basic Plan Description & Benefits Crisis Shield Plus pays the sum assured upon diagnosis of a critical illness, death or total and permanent disability before age 70. Crisis Cover Income pays an annual income upon diagnosis of a critical illness for as long as the life assured is alive for the remaining period of the term. The first annual income will only be paid if the life assured survives at least 30 days after the diagnosis of the critical illness. Enhanced PRUpayor basic pays an annual benefit equal to PRUlink one premium (except PRUlifestyle saver & PRUsaver premium) upon diagnosis of a critical illness or total and permanent disability before age 70. Conditions: Critical Illnesses A total of 36 critical illnesses are covered under the Critical Illness and Payor Benefits: 1) 2) 3) 4) 5) 6) 7) 8) 9) 10) AIDS Aplastic Anaemia Appalic Syndrome Alzheimer's Disease Benign Brain Tumour Blindness Brain Surgery Cancer Cardiomyopathy Chronic Liver Disease 11) 12) 13) 14) 15) 16) 17) 18) 19) 20) Chronic Lung Disease Coma Coronary Artery Disease Deafness Encephalitis Fulminant Viral Hepatitis Heart Attack Heart Valve Replacement Kidney Failure Loss of Speech 21) 22) 23) 24) 25) 26) 27) 28) 29) Loss of Independent Existence Major Burns Major Head Trauma Major Organ Transplant Medullary Cystic Disease Meningitis Motor Neurone Disease Multiple Sclerosis Muscular Dystrophy 30) 31) 32) 33) 34) 35) 36) Paralysis Parkinson's Disease Poliomyelitis Primary Pulmonary Arterial Hypertension Stroke Surgery to Aorta SLE with Lupus Nephritis

Exclusions Critical Illness Critical illness benefit is not paid for a) symptoms of illness occur prior to or within 30 days after the policy has commenced, except for Cancer, Heart Attack and Coronary Artery Disease in which 60 days waiting period applies. b) Illness is directly or indirectly caused by the existence of AIDS or the presence of any HIV infection, except for "AIDS due to blood transfusion" and "Full blown AIDS". c) Illness arises directly or indirectly from pre-existing illnesses.

For exclusion of Death and Total & Permanent Disability, please refer to Appendix for Death and Total & Permanent Disability Other Policy Conditions a) Waiting Period Critical illness benefits under the policy will only start 60 days after the effective date of the policy for heart attack, coronary artery disease and cancer and 30 days for all other illnesses.

b)

Non-guaranteed Premium/Insurance Charge We reserve the right to increase the premium/insurance charge (except death & TPD) at policy anniversary by giving 90 days written notice.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 11 of 16

Appendix: Accidental Benefit


PRUacci guard, PRUacci med, PRUacci income Plan description PRUacci guard pays the sum assured on death or total and permanent disability due to accident and a percentage of the sum assured on disablement due to accident. In addition, the rider also pays compassionate benefit upon death. PRUacci med reimburses the actual expenses incurred for medical treatment, hospital confinement or nursing services up to the sum assured within 104 weeks from date of accident. It also reimburses the actual expenses incurred for traditional & complementary treatment incurred within 90 days from date of accident. In addition, it also pays overseas companion allowance and prosthesis/wheelchair allowance. PRUacci income pays weekly income for temporary disability due to accident during the disability period subject to a total of 104 weeks. It also pays daily income in the event of confinement in a Malaysian government hospital due to accident for the duration of such confinement limited to a maximum of 100 days during any one policy. Benefits Benefit i)Compassionate Benefit a) Natural death b) Accidental death c) Accidental death in overseas Amount/% of Sum Assured *Accidental Death & Disablement Benefit Table % of Sum Assured

Death of life assured 100% Total & Permanent Disability 100% RM 2,000 Total, Permanent and Irreversible:RM 4,000 Loss of two limbs 100% RM 6,000 Loss of both hands or of all fingers and both thumbs 100% Loss of all sight in both eyes 100% ii) Accidental Death & Up to 100% Disablement Benefit* Loss of hand at or above wrist 100% Loss of leg at or above ankle 100% iii) Double Indemnity Loss of all sight in one eye 100% 2 times the amount under (ii) will be payable for accidents occurring while Loss of all sight in one eye except perception of light 50% life assured: Loss of lens of one eye 50% a) was traveling in any mechanically Up to 200% Loss of speech 50% propelled public conveyance; or Loss of four fingers and thumb 70% b) was in an elevator car (excluding Loss of four fingers 40% elevator in mines and construction sites);or Loss of thumb -both phalanges 30% c) was in the public building which is -one phalanx 15% burning at the commencement of the Loss of finger -three phalanges 10% fire -two phalanges 7.5% iv) Reimbursement of Medical Expenses -one phalanx 5% Reimburse actual expenses incurred for Loss of metacarpals -first or second (additional) 3% medical treatment , hospital confinement Up to RM 3000 per -third, fourth or fifth (additional) 2% accident or nursing services up to the sum Loss of all toes on one foot 15% assured Loss of great toe -both phalanges 5% a) Traditional & Complementary -one phalanx 2% Treatment (Max RM 300 per Up to RM 30 per day Loss of other toe, each 2% accident, subject to RM 1500 Fractured leg or patella with established non-union 10% per lifetime) Shortening of leg by at least 2.5 cm 7.5% v) Overseas Companion Allowance Loss of hearing -both ears 75% Reimburse: -one ear 15% a) Return airfare incurred to visit life Loss of whole ear -both ears 6% assured who is hospitalised overseas Up to RM 1500 -one ear 3% for at least 10 days to one of the immediate family. Exclusions b) One-way airfare to Malaysia for the Accident benefits are not paid as a consequence of: life assureds return immediately (a) war, invasion, act of foreign enemy, hostilities (whether war be declared following such hospitalisation. or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in riot, strike or civil commotion; vi) Prosthesis/ Wheelchair Allowance (b) violation or attempted violation of the law or resistance to arrest; Reimbursement of reasonable costs of (c) attempted suicide or self-inflicted injuries while sane or insane; Up to RM 1500 purchasing wheelchair if life assured (d) pregnancy, childbirth, miscarriage or any complications; becomes permanently paraplegic and/or (e) pre-existing physical or mental defect or infirmity; artificial limb (f) alcoholic intoxication; (g) engaging in or taking part in professional sports, scuba diving, racing of vii) Accidental Income any kind, aerial flights (including bungee jumping, hang-gliding, RM 400 per week a)Temporary Total Disability ballooning, parachuting and sky-diving) other than as a crew member of RM 200 per week b)Temporary Partial Disability c)Confinement in government hospital RM 200 per day or as a fare-paying passenger on a licensed passenger- carrying commercial aircraft operating on a regular scheduled route or any hazardous activities or sports, unless agreed to by special endorsement; (h) narcotic or drug unless taken as prescribed by a qualified registered medical practitioner;

Other Policy Conditions i) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuit because it may affect the premiums, terms, conditions and benefits of the products. ii) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge at policy anniversary by giving 90 days written notice.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 12 of 16

Appendix: Medical Benefit


PRUflexi med Plan Description PRUflexi med pay the benefit according to the selected benefits below in the event of hospitalisation or outpatient treatment due to illness or injury. Benefits Benefit a) Hospital Daily Room & Board Allowance (120 days per year) Hospital & Surgical Benefits b) Intensive Care Unit / High Dependency Unit (60 days per year) c) Surgical d) In-hospital & Related Services Out-patient Treatment Benefits e) Pre-hospitalisation Treatment (within 90 days before hospitalisation) f) Post-hospitalisation Treatment (within 90 days after hospital discharge) g) Home Nursing Care (180 days per life-time) h) Day Surgery i) Cancer Treatment j) Kidney Dialysis k) Emergency Treatment For Accidental Injury (Annual Limit)

Benefit Amount (RM) RM200

As Charged

As Charged

RM1,000

Overall Annual Limit RM50,000 Lifetime Limit RM1,000,000 Emergency Medical Assistance Yes a) Hospital Daily Room & Board Allowance e) Pre-hospitalisation Treatment Benefit Reimburse actual room & board charges (subject to daily limit of the Reimburse actual charges for treatment, consultation, investigation and/or chosen room & board allowance amount for PRUflexi med) made by a diagnostic tests performed within 90 days prior to hospital admission date, hospital during a hospital confinement, for up to 120 days per year. Any for a medical condition for which hospitalisation was required. remaining amount of room & board allowance above the actual room & f) Post-hospitalisation Treatment Benefit board charges will be paid to the policyholder. Any amount paid for this Reimburse actual charges for follow-up treatment performed within 90 benefit will not reduce the Overall Annual Limit or Lifetime Limit. days after hospital discharge for the medical condition for which hospitalisation was required. This shall include the medicines prescribed b) Intensive Care Unit / High Dependency Unit Reimburse actual changes made by a hospital for confinement in intensive during follow up treatment but shall not exceed the supply needed for the maximum 90 days. care unit or high dependency unit, for up to 60 days per year. g) Home Nursing Care Benefit c) Surgical Benefit Reimburse actual charges for continued nursing care by a registered nurse Reimburse actual charges for any medically necessary surgical procedure in a home (on recommendation of the attending doctor) for continued performed at a hospital. These include pre-and post surgical care. treatment of the medical condition for which hospitalisation was required. d) In-hospital & Related Services Benefit h) Day Surgery Benefit Reimburse actual charges incurred for the following services provided Reimburse actual charges for any medically necessary surgical during hospital confinement: procedure performed in a day-surgery unit of a hospital where a life Prescribed drugs and medicine for in-hospital use. assured both arrives and returns home on the day of procedure. Dressing, splints, plaster casts, implants, external appliances and devices required by the life assured as an in-patient. i) Cancer Treatment Benefit Diagnostic and/or investigation tests such as ECG, Scans, laboratory Reimburse actual charges for out-patient treatment of cancer after tests, etc. hospital discharge. These include charges for radiotherapy and Food and beverages (including food and lodging charged by the chemotherapy but excluding consultation, examination tests and take hospital for an adult accompanying an insured child aged 15 or below. home drugs. Ambulance service to a hospital j) Kidney Dialysis Benefit Specialist and/or physician fees for in-hospital consultation and Reimburse actual charges for out-patient kidney dialysis treatment treatments. performed at a registered dialysis centre or a hospital. These exclude Intravenous infusions, blood and plasma by-products. consultation, examination and take home drugs. Other ancillary medical services and supplies, excluding private ink) Emergency Treatment for Accidental Injury Benefit hospital nursing care. Reimburse actual charges for emergency out-patient treatment of an Service tax accidental injury at any registered clinic or Hospital within 48 hours and its follow-up treatment, for up to 30 days from the actual date of accident. Exclusions Medical benefits are not paid as a consequence of : (a) Pre-existing conditions. (b) Specified Illnesses occurring during the first 120 days of continuous cover. (1)Hypertension, diabetes mellitus and cardiovascular disease. (2)All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and bilary system. (3)All ear, nose (including sinuses) and throat conditions. (4)Hernias, haemorrhoids, fistulae, hydrocele, varicocele (5)Endometriosis including disease of the Reproduction system. (6)Vertebro-spinal disorders (including disc) and knee conditions (c) Any medical or physical conditions arising within the first 30 days of the Life Assureds cover or date reinstatement whichever is latest except for accidental injuries sustained. (d) Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy) and the use or acquisition of external prosthetic appliances or devices Presented by : Date: Version : MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof. (e) Dental conditions including dental treatment or oral surgery except as necessitated by Accidental Injuries to sound natural teeth occurring wholly during the Period of Insurance. (f) Private nursing (save and except for Home Nursing Care Benefits), rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law. (g) Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions. (h) Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining

Page 13 of 16

to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization.

(i) Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to (o) Care or treatment for which payment is not required or to the extent treatment or diagnosis of a covered Disability or any treatment which is which is payable by any other insurance or indemnity covering the not Medically Necessary and any preventive treatments, preventive Insured and Disabilities arising out of duties of employment or profession medicines or examinations carried out by a Physician, and treatments that is covered under a Workman's Compensation Insurance Contract. specifically for weight reduction or gain. (p) Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations). (j) Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane. (q) Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack (k) War or any act of war, declared or undeclared, criminal or terrorist and other ineligible non-medical items. activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection. (r) Sickness or Injury arising from racing of any kind (except foot racing), (l) Ionising radiation or contamination by radioactivity from any nuclear fuel hazardous sports such as but not limited to skydiving, water skiing, or nuclear waste from process of nuclear fission or from any nuclear underwater activities requiring breathing apparatus, winter sports, weapons material. professional sports and illegal activities. (m)Expenses incurred for donation of any body organ by a Life Assured and costs of acquisition of the organ including all costs incurred by the (s) Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes. donor during organ transplant and its complications. (n)Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical (t) Expenses incurred for sex changes.

service or supplies including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bone setting, herbalist treatment, massage or aroma therapy or other alternative treatment.

Other Policy Conditions i) Deductible : PRUflexi med We will bear the total cost of an eligible benefit (excluding the cost of daily room & board) up to annual limit.

ii) Waiting Period: Cover begins immediately on acceptance, for hospitalisation caused by accidents but it only begins 120 days after acceptance for specified illness and 30 days for any other causes. iii) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuits because it may affect the premiums, terms, conditions and benefits of the products. iv) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge at policy anniversary by giving 30 days notice.

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 14 of 16

Appendix: Hospitalisation Income Benefit


PRUmed, Hospital Benefit Plan Description

PRUmed pays fixed cash payment for hospital confinement, intensive care unit confinement and surgical procedure due to illness or injury before age 70. Hospital Benefit (HB) pays daily cash benefit in the event of hospitalisation due to illness or injury before age 70. Benefits Benefit 1. Hospitalisation Benefit Daily hospitalisation benefit aimed at covering expenses incurred when hospitalized. This includes accommodation and related costs. 2. Intensive Care Benefit This amount is paid in addition of Hospitalisation Benefit as confinement in Intensive Care Unit costs significantly more than a normal hospital stay. 3. Surgical Procedure Benefit The cost of undergoing a surgical procedure is not limited to the cost of the medical practitioner performing the procedure. The costs include related costs such as medication, theatre fees, anaesthetics and so on. This benefit is aimed at a level commensurate with these costs and when added to the hospital benefit, gives an amount appropriate to the costs incurred in total. Every surgical procedure has been rated according to the severity of cost of the procedure. A lump sum benefit is paid depending on the rating of the procedure. The lowest severity rating is 1 and the highest is 7. Please refer to your policy document for list of procedures covered and their severity ratings Exclusions Hospitalisation Income Benefits are not paid as a consequence of: (a) Routine medical examinations or consultations. (b) Cosmetic or plastic surgery, dental care and treatment, organ and tissue donation, gender transformations or exploratory or experimental surgery or any abortion performed due to procedures other than medical procedures necessitated by accidental injury, surgery or illness. (c) Treatment or procedures relating to pregnancy or childbirth. (d) Tests or treatment related to infertility, contraception, sterilisation, birth defects, congenital illnesses, hereditary conditions, circumcision or any abortion performed due to psychological or social reasons and consequence. (e) Treatment of mental illness and psychiatric disorders, self-inflicted injury while sane or insane, attempted suicide, abuse of alcohol and drug addiction and abuse. (f) Any treatment or test in connection with AIDS , the presence of HIV infection and all sexually transmitted diseases. (g) Any injury or sickness arising from professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang-gliding, ballooning, parachuting and sky-diving) other than as a crew member of or as a fare - paying passenger on a licensed passenger - carrying commercial aircraft operating on a regular scheduled route or any hazardous activities or sports, unless agreed to by special endorsement. (h) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in riot, strike or civil commotion. (i) Any violation or attempted violation of the law or resistance to arrest. (j) Any illness or condition (no matter when arising) in respect of which medical advice or treatment was received or recommended by a medical practitioner within the 2 years preceding the issue date and which was not disclosed in the application for the contract. Other Policy Conditions i) Waiting Period: Cover begins immediately on acceptance, for hospitalisation caused by accidents but it only begins 30 days after acceptance for any other causes. ii) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuits because it may affect the premiums, terms, conditions and benefits of the products. iii) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge policy anniversary by giving 30 days written notice. 100 per day 30 days 100 per day 100 days Benefit Amount (RM) Maximum Payable Per Policy Year

Up to RM 2500 per surgery

RM 12500

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 15 of 16

Appendix: Other Policy Benefits and Options


Benefits Maturity and Surrender Benefit At maturity or upon surrendering, this policy will pay the value of units. Options Non-forfeiture Option: You may stop paying the recommended premium but the benefits above will continue as long as there are units in the plan to pay insurance charge and other charge. The charges will be deducted from the account through cancellation of units, subject to consent given by you. If units within the accounts are exhausted, these charges may be deducted through cancellation of units of certain selected accounts. Therefore, depending on the amount of units available in these selected accounts, benefits of the plan may lapse and cease to be in force at different points of time. Fund switching: If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch fund at anytime, provided PRUlifestyle saver is not attached. You are allowed 4 free switches per year without any fee. Any subsequent switches within the year, you will be charged a processing fee of 1%, subject to maximum of RM50. Units can be switched between investment-linked funds at any time. Switching is not allowed during the accumulation period and payout period of PRUlifestyle saver, unless it is performed by us in its sole and absolute discretion. Premium Re-direction: You may revise the proportion of your regular premium (in multiple of 5%) you want to invest and may also revise your choice of investment-linked fund, provided that PRUlifestyle saver is not attached. Top-ups: Top-ups can be made at any time. The minimum amount required for top-ups is RM500. Top-up incurs a one-off top-up fee of RM25. Withdrawals: Withdrawals can be made at any time in terms of number of units or fixed monetary amount through cancellation of units Option to Vary Sum Assured and policy terms: You may increase the sum assured without increasing the regular premium and vise versa (if applicable).

Presented by : Date: Version :

MANIMARAN A/L RAMACHANDRAN MN000001 13 Sep, 2012 SQSOnline - Agency ver 1.5.0.6 a

Page 16 of 16