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PRUlife ready

Every individual is unique and has different aspirations in life. Your own goals and

needs will change from time to time too while you are on the road to self-discovery.

With PRUlife ready, a dynamic investment-linked insurance plan, you can select

your own coverage according to your ever changing protection and investment

needs as you enter into different phases of life.

Have you ever wondered how your personality can shape your insurance plan? Let’s see which personality best represents you.

You are energetic, dynamic and fun loving. You need to feel uninhibited and enjoy life fully. Most importantly, nothing should stand between you and aspirations.

With PRUlife ready, you can:

Get rewarded for your love to travel

Enjoy these options:

> Complete protection against accidents> Invest regularly with the potential of getting higher returns

You are goal oriented and always believe in being prepared. You feel the need to plan ahead and always stay in control.

With PRUlife ready, you can:

Get rewarded for buying a new home or entering a new stage in life

Enjoy Life and Medical tax relief for the premium that you pay

You are trustworthy, caring and thoughtful. You have an optimistic and enthusiastic view towards life. You want to be responsible especially to your loved ones.

With PRUlife ready, you can enjoy the following optional benefits:

Invest regularly with the potential of getting higher returns

Attach an accident benefit that pays a compassionate allowance of up to RM6,000

Enjoy uninterrupted protection for up to 6 months if you are unemployed involuntarily

(subject to term and conditions)

PRUlife ready

Always Listening. Always Understanding.

Are you ready?

FUTURE

Prudential Assurance Malaysia Berhad (107655-U)

Menara Prudential, 10 Jalan Sultan Ismail, 50250 Kuala Lumpur, Malaysia.Tel: 03-2116 0228 Fax: 03-2032 3939 Email: customer.mys@prudential.com.my

www.prudential.com.my

08/2011

Always Listening. Always Understanding.

Who can buy PRUlife ready?

Anyone between the ages of 19 and 25 years on their next birthday can take up this plan.

What will I receive?

PRUmedic essential to protect your essential medical needs

PRUmedic essential is a medical plan that covers your essential medical needs by paying your medical bills if surgery is done. You will also receive a Cash Benefit based on the plan that you have selected for each day you are confined to hospital or intensive care unit. The plan comes with a coinsurance of 10% on the cost of an eligible benefit, subject to a maximum coinsurance of RM1,000 each year. We will waive the coinsurance if you are admitted to Malaysian Government Hospital and when you suffer from Total and Permanent Disability (TPD) or Critical Illness.

Prudential Assurance Malaysia Berhad (“PAMB”) is licensed under the Insurance Act (1996) and is regulated by Bank Negara Malaysia (BNM). This presentation is to be used in conjunction with the PRUlife ready Product Disclosure Sheet, Sales Illustration and Fund Fact Sheet. PRUlink and PRUlink global and PRUlink golden products are not Shariah-compliant products and the investment performance of PRUlink and PRUlink global and PRUlink golden funds are not guaranteed. Premium rates and insurance charges for basic coverage for death / TPD are guaranteed. We may change the premium rates and charges (except insurance charge for Death and TPD benefits) on the policy anniversary by giving a 90-day prior notice if the actual claims experience is worse than expected (or a 30-day prior notice for Medical and Health riders). Coverage to expiry age is subject to sufficient funds to cover for insurance charge, service charge, guaranteed charge (if any) and administration charge (if any). If you cancel the policy in the early years, you may not be able to obtain the full value from 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 delivery of your policy which allows you to review and ensure that it meets your needs. If the policy is cancelled within this period, the value of your units (at the next pricing date) plus unallocated premiums, service charge, insurance charge, guaranteed charge (if any) and administration charge (if any) less medical expenses will be refunded. Additionally, if top-ups are done, 5% of the unallocated premiums less medical expenses will be refunded. Non-payment of premiums may cause this policy to cease. You should access the affordability and suitability of the product in relation to your financial goal and risk appetite. To achieve that, we recommend that you speak to your agent or Wealth Planner who will perform a needs analysis and assist you in making an informed decision. This presentation is for illustrative purposes only. Please refer to the Product Disclosure Sheet, Sales Illustration and Fund Fact Sheet before purchasing a plan, and refer to the terms and conditions in the policy document for details of the important features of the plan.

Minimum premium per year

PRUlife ready RM1,200 (subject to underwriting)

PRUsaver RM120

Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.

Where are my funds invested?You can choose to invest in any of the PRUlink and / or PRUlink global funds.

For more details of PRUlife ready, please refer to the Product Disclosure Sheet, Sales Illustration, Fund Fact Sheet or log on to the PAMB corporate website at www.prudential.com.my.

Upon death The sum of:a) Sum assured, andb) Value of units in the account

Upon Total & Permanent Disability (TPD) Before age 70

Sum assured.(Please refer to the policy document for the definitions of TPD)

Upon Maturity Value of units in the account is payable when you reach the age of 100 years on your next birthday.

Upon Surrender of Policy

Value of units in the account at the point of surrender.

What are the optional benefits available?

For more optional benefits, please refer to the PAMB corporate website at www.prudential.com.my.

Attachment of optional benefits is subject to underwriting and additional premium.

How much premium do I need to pay?

PRUlife ready offers you:

Goal Achievement Benefit as a reward for achieving significant milestones or goals in your life

PRUlife ready celebrates the joy of achieving your goals and milestones in life by rewarding you with a Goal Achievement Benefit. This unique benefit rewards you with a one-time sum of RM500 when you enter new phases of your life such as:

Getting married Childbirth Doubling of your salary Buying a new home Travelling to 10 different countries

Please note that 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.

INVESTMENT-LINKED INSURANCE