Here I list down five main reasons why I bought an insurance and why everybody should have one too. P/S: I am not trying to sell anything here, just stressing out something important that everyone should know.
For My Own Protection – When I was about to resign from my job, I was thinking, what if I suddenly had a serious illness or involved in accident and not able to work and earn any income? what will happen to me? Yes, I still have my family, but would it be fair to burden them? Would I want to burden them? I am not married, so I cannot be asking help from my husband. Will I have enough savings for the treatment and those health related matter? Will I trouble my parents and siblings for that? Sometimes, these thought made me having sleepless nights. With an insurance policy, at least I am covered for my illnesses with adequate financial support for any expensive treatment.
For My Savings – I am a business minded person which means that I am very calculative when it comes to my money but there are times that I spend money just to make myself and people who surrounds me happy. Yes, I do have my own savings in the bank and in mutual funds but with insurance, It’s another medium for me to force myself into saving a few hundred bucks monthly by contributing to my insurance premium and one thing for sure, by receiving my yearly account statement, I know where my money goes too.
For My Investment – Partial of my premium will be invested into selected funds with a handsome return that you can’t resist. Absolutely a great way to have extra money and it is safer too as insurance minimize the risk factor on your investment.
For My Retirement – With the hope that everything goes well without me making any major claims or withdrawals, I can retire early and receive my investments and live in Paris with my cats.
For My Future – When I learned that your premium increases together with your age, I realize that I really need to have an insurance coverage as early as possible. I do not want to wait until I have my own family or other big financial commitments in life as by then, the premium to start an enrollment for my insurance will be very high and insurance company have the rights to rejects or excludes applications with health problems. Among all of the above, the main reason why I decide to take up an insurance coverage is still based on the first reason which is PROTECTION. In case of any accidents or serious illnesses, there will be a strong financial support for myself and my family.
In celebration of our 88th Anniversary, we would like to present this SPECIALLY designed insurance plan that is SIMPLE, EASY, AFFORDABLE and provides you with Guaranteed Cash Payment and Maturity Benefit. The Guaranteed Cash Payment and Maturity Benefit will sum up to 100% of your total premium paid at the end of the policy period.
A SIMPLE, EASY and AFFORDABLE life insurance plan just for you…
This limited pay non-participating plan provides guaranteed cash payments payable via cheque at the end of the 5th, 10th and 15th policy years.
Grab this golden opportunity now because this product is only available for sale until 31 December 2012.
Premium Payment Term
Age Next Birthday
Basic Sum Assured
Death / Total Permanent Disability (TPD)*
Accidental Death* / Accidental TPD*
Guaranteed Cash Payments
5th policy year
10th policy year
15th policy year
Surrender value will be payable upon policy surrender. We will pay you the surrender value according to monthly premium mode and refund any unearned premiums for other premium modes (yearly, healf-yearly and quarterly). Please refer to the Product Disclosure Sheet for the amount of surrender value.
* expires at age 70
How much do I need to pay and how do I pay my premium?
You are only required to pay RM88 per month. Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.
The premium that you have to pay according to the different premium frequencies are as follows.
Anyone between the ages 1-55 years on their next birthday can puchase PRU88.
PRU88 is another special product that meets your financial goals. Grab this golden opportunity now because we will only offer this product for a limited period!!
1. Full Name
2. Date of Birth
3. Smoking or not
4. Annual Income
5. Contact Number
8. No of kids
10. Travel a lot?
1. Name of Mother
2. Date of Birth (Mother)
3. Smoking or not
4. Annual Income
5. Contact Number
7. How many weeks of pregnancy?
8. Expected Delivery Date
9. Budget monthly (RM150 and above)
Get yourself covered today!
PRUmychild RM150 monthly
PRUmychild plan with PRUearly start
Sum Assured : 50K
Critical Illness compensation : RM50K
PRUhealth Medical Card plan PHL100
Savings is flexible age 18 ada RM33K or continue to age 30 ada RM73,802K. Wow !
How to know which insurance company is the best?
Dont ask me, I will tell you Prudential of course. Drive and go to your nearest preffered hospital. Ask them, they are more credible to give the answer. I'm confidently sure they will say Prudential :)
Cheapest Medical Card Plan
Cheapest medical card plan is around RM100 per month for adult.
Start your Retirement Fund Today
As low RM100 per month. Save your money for secure income in future
This is not the Official Website of Prudential Assurance Malaysia Berhad.
This is the personal blog of Zetty Zahrina Zahar and Amirol Ariff Nazarudin, Prudential Wealth Planner, Damansara Intan Office.
Prudential Assurance Malaysia Berhad is an indirectly subsidiary of Prudential plc, a company incorporated in the United Kingdom. Neither Prudential Malaysia Assurance Berhad nor Prudential PLC is affiliated with Prudential Financial Inc, a company whose principal place of business is in the United State of America.