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An ideal starter plan is a plan that combines protection and savings solution.  You can have the best of both worlds with PRUmax which gives you protection up to 100* years old whilst you enjoy guaranteed cash payout during the policy term as well as maturity benefit.

*Dependent on Policy Term selected


7 GREAT REASONS to choose PRUmax:

  1. Guaranteed Cash Payment 4% of Basic Sum Assured every 2 years until policy matures
  2. Easy Enrolment based on health declaration
  3. Up to 140% of Refund of Premium at maturity
  4. Affordable Monthly Premiums from RM100 per month
  5. LONGER benefits with SHORTER premium payment term
  6. Accidental Coverage 4 X Basic Sum Assured
  7. DOUBLE Protection for death/Total and Permanent Disability (non-accidental)/ Terminal Illness from year 6 onwards

Benefits Table

Premium Payment Term
Coverage Term
Maturity Benefit
(% of total premium paid)
Guaranteed Cash Payment 4% of the Basic Sum Assured every 2 years starting from the end of Policy Year 2 up to and including maturity.

You can choose to receive your Guaranteed Cash Payment based on these options:
Option 1: Receive the Guaranteed Cash Payment as Cash.
Option 2: Accumulate the Guaranteed Cash Payment and earn compounded interest during the entire policy term.
You can also change between Option 1 and Option 2 at any time.

Note: The compounded interest earned is not guaranteed and subject to change.
Non-accidental Death/
Non-accidental Total & Payment
Disability (TPD)* / Terminal Illness Benefit
Policy Year % of Basic Sum Assured**
1 100%
2 120%
3 140%
4 160%
5 180%
6 and above 200%
Accident Death / Accident TPD* Benefit
Attained Age % of Basic Sum Assured
Before age 70 400%
After age 70 200%
* Before age 70
** Adjustment to coverage (juvenile lien) applies for child before age 5 next birthday. Please refer to the Sales Illustration for further details.


  • Available for individuals aged 1 – 55 years old.
  • Minimum sum assured RM 10,000



This is for your general information only. You are advised to visit any of our branches and ask for a copy of Product Brochure, 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.

Buying life insurance policy is a long-term financial commitment. You must choose the type of policy that best suits your personal circumstances. You should read and understand the insurance policy and discuss with our bank representative or contact the insurance company directly for more information.

The above plans are underwritten by Prudential Assurance Malaysia Berhad (107655-U). All claims and liabilities arising from the policies should be made with the company.

Prudential Assurance Malaysia Berhad is licensed under the Insurance Act (1996) and is regulated by Bank Negara Malaysia. Prudential Assurance Malaysia Berhad is responsible for the products and benefits offered by them, as well as any representation made in any of their marketing materials including United Overseas Bank (Malaysia) Bhd’s marketing material for the products offered by Prudential Assurance Malaysia Berhad.


More Information

  • Contact our 24-hour UOB Call Centre at:
    Kuala Lumpur +6 03-26128 121
    Penang +6 04-2401 121
    Johor Bahru +6 07-2881 121
    Kuching +6 082-287 121
    Kota Kinabalu +6 088-477 121
  • Email Us

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