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We understand the various concerns of individuals like yourself who want a comprehensive protection plan that protects you and your loved ones against any unforeseen circumstances. You could be a corporate personnel, a business owner or someone who has taken up a form of personal financing from the bank.

You also want a customised plan by selecting from a suite of supplementary benefits based on your budget and current protection needs.

EssentialLife is a comprehensive protection plan that relieves you and your loved ones from the burden of repaying term loans, overdrafts or mortgages should something untoward happen to you during the duration of your policy.

Let EssentialLife give you peace of mind by letting you focus on what’s important to you today.


  • Upon Death
    The sum assured is payable.
  • Upon Total and Permanent Disability (TPD)
    The sum assured shall be payable if the Life Assured suffers from TPD before age 65 next birthday. Please refer to the Sales Illustration for the definitions, terms & conditions for TPD.
  • Upon Maturity
    If the Refund of Premium Benefit (ROP) is attached, the basic and ROP premiums paid* will be paid out.
  • Upon Surrender of Policy
    The cash value applicable at that time (if any) will be paid out.

*Excluding premiums paid for Accidental Death & Disability Benefit and Crisis Cover Benefit.


  • Individuals between 18–60 years old next birthday can take up EssentialLife.



This is for your general information only. You are advised to visit any of our UOB 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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