Savings

Get
Boosted
for
Benefits

Introduction 01

Make your dreams

come true with

Cash Booster!

We want to travel annually while still saving

in a disciplined way. It is a dream come true
with Cash Booster and PRU
it gives a
stream of guaranteed income!

cash

I am able to save for my

wedding expenses, thanks
to Cash Booster. It turbo
charged my saving and it is
still growing!

I can save for a long term goal at a premium amount

that I can afford. Plus, it gives me peace of mind
knowing my family will receive a stream of income when
Im no longer around.

Most people have either short, mid or long-term goals that they want to achieve in the future.
By putting aside a portion of your savings regularly through Cash Booster and PRUcash, we can
help grow it to a sizeable fountain of wealth while you enjoy a stream of income. You can
choose to either accumulate your savings at 5%* per annum or receive the guaranteed income
to enjoy the finer things in life.
In addition, you can provide a lasting legacy for your loved ones with protection benefit that
pays triple** the guaranteed income and 200%** of sum assured in the event of death or total
permanent disability due to accident.
* Non-guaranteed and subject to change
** Only available if Cash booster is attached to PRUcash

02 Benefits Overview

Benefits with
in

Ga

CA
BOO SH
ST
ER

PRUcash
6% of SA

Guaranteed
Income
for you

Guaranteed
Legacy Benefit

Payable annually from end of 2nd policy year

up to the year before the final policy year

Survival Benefit
(Income)

8%, 10% or 12% of SA

Survival Benefit
(Income)

At final policy year1

6% of SA1

Legacy Benefit
(Income)

18% of SA2

Legacy Benefit
(Income)

Upon death / TPD due to natural cause

Upon death / TPD due to accident

Maturity
Benefit

Guaranteed 165% of SA

Lump sum

Potential bonuses

Lump sum

Guaranteed 100% of SA + Guaranteed Cash Value

+ Potential Bonuses
Life
Insurance
Coverage

Upon Death/TPD caused by natural cause (Lump sum)

Guaranteed 200% of SA + Potential Bonuses

Upon Death/TPD caused by accident (Lump sum)

Definition:
SA = Sum Assured
TPD = Total and Permanent Disability
Potential bonuses refer to reversionary bonus and terminal bonus which are non-guaranteed
Note
1. At the final policy year, the amount payable is scaled up to 12% (policy term 30), 10% (policy term 28) and 8% (policy term 20,
22, 24 and 26).
2. At the final policy year, the amount payable is scaled up to 36% (policy term 30), 30% (policy term 28) and 24% (policy term
20, 22, 24 and 26).
3. Cash Booster is a rider and must be purchased together with PRUcash (basic plan). The above illustrates the overall benefits
offered when Cash Booster is attached to PRUcash.

How it works? 03

Secured stream of continuous income

$

PRUcash

$ Cash Booster

YEAR 1

0
RM
3,
60

RM
1,
80

RM
1,
80

RM
1,
80

RM
1,
80

RM
1,
80

RM
1,
80

RM
1,
80

RM
1,
80

CONTINUE receiving
guaranteed income until maturity

27

28

29

30

RM 1,800 is payable from year 2 until year 29. At the final policy year (year 30), the survival
benefit (income) payable is boosted to RM 3,600 (12% of Sum Assured).

Stream of income tripled when needed the most

Death / TPD
due to Accident
CONTINUE receiving

00
RM

10
,8

40
0

RM

5,

40
0

RM

5,

40
0
RM

5,

40
0

RM

5,

40
0

RM

5,

40
0
RM

5,

80
0
1,

RM

YEAR 1

RM

1,

80
0

3x income until final policy year

27

28

29

30

Should the life assured passed on or suffer from Total and Permanent Disability due to accident,
the survival benefit (income) is tripled to RM5,400 (18% of Sum Assured) and payable annually.
At the final policy year (year 30), the income payable is boosted to RM10,800 (36% of Sum
Assured).

Notes: The above illustrations are based on a 30-year policy term PRUcash with Sum Assured of RM30,000 and attached
with Cash Booster which is purchased by a 30 year old non-smoker and occupation class 1 male customer. The monthly
premium is RM 331.80 and is payable via cash/cheque.

04 How it works?

Lump sum cash at policy maturity (Accumulate option)

YEAR 1

RM
3,
60

RM
1,
80

RM
1,
80

RM
1,
80

RM
1,
80

0
RM
1,
80
0
RM
1,
80
0
RM
1,
80
0
RM
1,
80
0

Accumulate the guaranteed income at 5%* p.a

27

28

29

30

By accumulating the guaranteed income, a lump sum of RM 232,499 is payable at maturity.

Maturity benefit includes guaranteed 165% of sum assured (RM49,500), accumulated income
with interest (RM113,981)* and potential bonuses of RM 69,018**.

Life Insurance coverage

Projected Life Insurance Coverage

RM64,419

Death / TPD
due to Accident

CONTINUE receiving

00
RM

10
,8

40
0

RM

5,

40
0

RM

5,

40
0
RM

5,

40
0

RM

5,

40
0

RM

5,

40
0
RM

5,

80
0
1,

RM

YEAR 1

RM

1,

80
0

3x income until final policy year

27

28

29

30

Should the life assured passed on or suffer from Total and Permanent Disability due to accident,
we will pay 200% of the sum assured plus accumulated potential bonuses (reversionary and
terminal bonus) and any accumulated survival benefit* (if any) at the point of claim. In this
scenario, a lump sum of RM 64,419** is payable.
The survival benefit (income) is tripled to RM5,400 and payable annually. At the final policy year
(year 30), RM10,800 is payable.
Notes: The above illustrations are based on a 30-year policy term PRUcash with Sum Assured of RM30,000 and attached
with Cash Booster which is purchased by a 30 year old non-smoker and occupation class 1 male customer. The monthly
premium is RM 331.80 and is payable via cash/cheque.
* Non-guaranteed and subject to change
** Only available if Cash booster is attached to PRUcash

All about Cash Booster 05

1. What is Cash Booster?
Cash Booster is a regular-premium rider attachable to PRUcash that participates in the profits
of the participating life fund. The rider provides a stream of guaranteed survival benefit
(income) at the end of the 3rd policy year and every 2 years thereafter (odd years) to
complement the survival benefit payout from PRUcash on the even years (2nd policy year and
every 2 years thereafter except on final policy year).
The survival benefit is scaled up from 6% to either 8%, 10% or 12% according to policy term
at the final policy year.
At maturity, additional 65% of sum assured is payable on top of 100% of sum assured from
PRUcash.
2. What are the bonus(es) available in Cash Booster?
You will receive terminal bonus which is payable upon surrender, death or policy maturity.
3. What are the benefits in Cash Booster?
Upon death or TPD*, this rider will pay:
guaranteed cash value**;
terminal bonus on death; and
accumulated survival benefit (if any)
*
**

TPD before age 60

Guaranteed cash value is payable due to death or TPD due to non-accidental cause. In the event of death or TPD
due to accidental cause, Cash Booster pays additional 100% basic plan's sum assured.

Guaranteed Survival Benefit

The rider pays a guaranteed survival benefit of 6% of the basic plan's sum assured at the
end of the third policy year and every 2 years thereafter. The survival benefit will be payable
up to the basic plan's term. At the end of the last policy year, the survival benefit payable
will depend on the table below:
Policy Term (years)

Survival Benefits payable

20, 22, 24, 26

8% of the basic plan's Sum Assured

28

10% of the basic plan's Sum Assured

30

12% of the basic plan's Sum Assured

Upon natural death or TPD*, the remaining unpaid survival benefits will continue to be
paid annually as legacy benefit. If the cause of death or TPD is accidental, 3 times of the
remaining unpaid guaranteed survival benefit will be payable annually. No survival benefit
is payable in the 1st policy year.
* TPD before age 60

Upon maturity, this rider will pay:

65% of the Sum Assured;
terminal bonus on maturity; and
accumulated survival benefit (if any)
Upon Surrender, this rider will pay:
guaranteed cash value;
terminal bonus on surrender; and
accumulated survival benefit (if any)

06 All about Cash Booster

4. Who can take up Cash Booster?
This plan is available for individuals between the ages of 1 - 50 years on their next birthday
AND can only be purchased with its basic plan, PRUcash.
5. How can I make the premium payment?
Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card,
Cash or Cheque.
6. How long do I need to pay premium?
You are required to pay premiums for as long as the policy term of PRUcash.
7. What are the choices of policy term?
You can choose the policy term of 20, 22, 24, 26, 28 or 30 years.

Important Notes 07

You can choose to receive your Guaranteed Survival Benefit (income) based on
these options:
Option 1:

Option 2:

Receive the payout

Accumulate the payout and earn compounded

interest during the entire policy term

Note:
a. The compounding interest rate is not guaranteed and subject to change.
b. If life assured chooses Option 2 and passes away or suffers from TPD, the survival benefit will
automatically be changed to Option 1 and continued to be paid as legacy benefit.
c. The survival benefit option for Cash Booster must be same as PRUcash.

2
3

Terminal Bonus will be payable upon maturity of the plan, death or TPD of the life
assured or upon policy surrender. Terminal Bonus declared is not guaranteed and
will depend on actual operating and investment results experienced by Prudentials
participating life fund.
This is a participating endowment rider.

08 Terms and Conditions

This brochure is for illustrative purposes only. You are advised to refer to the 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.
The projected values shown elsewhere in this brochure are for illustrative purposes only.
They are neither guaranteed nor based on past performance. The projected values
assume current law, tax and prescribed investment returns. Please refer to the sales
illustration on the derivation of all guaranteed / projected values.
You should assess the affordability and suitability of the product (including
supplementary benefits) in relation to your financial goals and risk appetite. To achieve
this, we recommend you speak to your agent who will perform a needs analysis and
assist you in making an informed decision.
Buying a life policy is a long-term financial commitment. If you do not pay your premiums
within the grace period, your policy may lapse. If your policy comes with cash value, the
amount that we will pay you when you cancel the policy before the maturity period will
be lesser than the total amount of premium that you have paid. You may cancel your
policy by giving us a written notice.
If you cancel the policy in the early years, you may get back less than the amount you
have paid in. Upon surrender, the various benefits under this plan will not be applicable.
There is a free-look period of 15 days after the policy has been delivered to you to allow
you to review it if it meets your needs. If the policy is cancelled within this period, we will
refund to you the premiums that you have paid and Goods & Services Tax (if any), less
any medical fee incurred (if any).
Prudential Assurance Malaysia Berhad (PAMB) is an insurance company licensed under
the Financial Services Act 2013 and is regulated by Bank Negara Malaysia.
Cash Booster is NOT a Shariah Compliant product.
YOU SHOULD SATISFY YOURSELF THAT THIS PRODUCT WILL BEST SERVE YOUR NEEDS.
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

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)

Menara Prudential, No.10, Jalan Sultan Ismail,
50250 Kuala Lumpur, Malaysia.

www.prudential.com.my

09/15

Tel: 03-2116 0228 Fax: 03-2032 3939

Email: customer.mys@prudential.com.my