Category Archives: Financial

Pru Value Med. Say farewell to annual medical limit!

Pru Value Med Medical Card

 

We all know just how crucial medical care is in today’s world and the need for healthcare becomes even more paramount as we age. With the escalating cost of healthcare, have you ever wondered if you are able to safeguard yourself against any uncertainty and insufficient savings for healthcare?

Wouldn’t it be great if there is a medical plan that not only promises you a lifetime of assurance for all your medical needs, but also helps you save with more benefits?

Introducing PRUvalue med, a medical plan that combines extraordinary values and savings. With PRUvalue med, you will never have to choose between your health and finances as your healthcare needs are what matters most to us. Get MORE with PRUvalue med.

 

What is PRUvalue med?

PRUvalue med is a regular premium investment-linked medical rider that reimburses medical expenses incurred in the event of hospitalization and for outpatient treatment.

All insurance provider have their own medical plan with Medical Card. But PRUvalue med not just another medical rider plan which cover your hospital expenses (Medical Card).

 

Why PRUvalue med so special?

 

PruValue Med does not have any annual limit for your hospital bills. YES! NO MORE Annual limit like other medical card plans out there.

Other than that, the PruValue Med minimum cover is RM 1,000,000.00. No joke people, that is the minimum cover that the company is offering to you Malaysia.

Yet still, 1 million is still a capped amount. What would happen if the 1 million is finished? No worries! your medical card will cover 80% of any medical expenses after your selected medical cover is finished.

Finally a worry less medical card which covers you even though your limit is finished. You don’t have to worry anymore on how much the hospital will charge your bill and you will not have to worry anymore on how much your medical limit is left.

Act fast!

Call me NOW for free quotations and explanation regarding the plan!

012-223 4676  Amirol Ariff

012-273 6836 Zetty Zahrina

Pru Value Med - Prudential Medical Card

 

 

Call Me Now.

012-223 4676 Amirol Ariff

012-273 6836 Zetty Zahrina

The Reason Why I Need Insurance….

My Client’s confession……

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.

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.

 

PRUlink million

Introducing the New Pru Link Million….!

PrulinkMillion

Investment Linked Plan – Everyone is a Millionaire.

An exclusive regular premium investment-linked insurance plan that provides you with a high coverage of RM500,000 and above, and safeguards what is important to you and your loved ones.

PruLinkMillionFeatures

Introducing Prudential PRU88 !

PRU88

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 10
Coverage Term 20
  Age Next Birthday Basic Sum Assured
Death / Total Permanent Disability (TPD)* 1-44 RM20,000
45-55 RM12,000
Accidental Death* / Accidental TPD*  1-44 RM80,000
45-55 RM48,000
Guaranteed Cash Payments   5th policy year RM500
10th policy year RM1,000
15th policy year RM1,000
Maturity Benefit   RM8,060
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.

Premium Frequency RM
Monthly 88
Quarterly 264
Half-Yearly 528
Yearly 1,056

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!!

Prudential PRUlink equity fund and PRUlink dana unggul (Syariah complianceEquity Fund) March 2010

Prudential PRUlink equity fund  and PRUlink dana unggul  (Syariah compliace Equity Fund) March 2010

Prudential PRUlink equity fund

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PRUlink dana unggul

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More fund click here

Britain’s Prudential to buy AIA for $35.5 billion

Prudential taps Asia sovereign funds over AIA deal

British insurer Prudential is tapping sovereign wealth funds in China and Singapore to help finance its 35.5 billion dollar buyout of US insurance giant AIG’s Asian arm, a report said Tuesday.

The Financial Times quoted unidentified sources as saying that Prudential and its advisers were in talks with the sovereign wealth funds to support a planned 20 billion-dollar share offer for AIA.

It said the Singaporean and Chinese sovereign wealth funds had not made a final decision but their response was positive.

Singapore’s Temasek Holdings and China Investment Corp (CIC), among the region’s major sovereign wealth funds, would not comment on whether they had been approached by the British insurer.

“It is inappropriate for us to comment on market speculation,” a spokeswoman for Temasek Holdings said in a statement to AFP.

A CIC spokeswoman said the fund has seen the newspaper report but added it was company policy not to comment on rumours.

Asked about its market strategy, the CIC spokeswoman said: “As an investment institution, we make financial portfolio investment and seek medium- to long-term, risk-adjusted returns at a reasonable level. These have been the principles we always follow.”

Prudential on Monday agreed to buy AIA for 35.5 billion US dollars in the insurance sector’s biggest ever takeover.

The acquisition of AIA will transform Prudential into the world’s top non-Chinese insurer by market capitalisation, ahead of major competitors Allianz and AXA.

Under the acquisition terms, the British firm will pay AIG 25 billion US dollars in cash and the remaining 10.5 billion US dollars in new Prudential shares and other securities.

The Financial Times said Prudential is planning a rights issue of 20 billion US dollars, giving existing shareholders in the British insurer the right to buy the shares first.

Should the shareholders decide not to take up the offer, the sovereign wealth funds will then invest in the offering, it said.

Prudential’s group chief executive Tidjane Thiam said that Asia is the “most attractive opportunity in our industry today”, partly because of the region’s strong savings habits.

“Asia is the engine of the group’s future growth, particularly the fast growing economies in Southeast Asia,” he said.

“Asia is complex, dynamic and exciting, and its economies differ significantly, with varying levels of economic development, from the OECD members, Japan and Korea, to the fast growing markets of Southeast Asia, such as Indonesia and Malaysia.”

Sales in Asia already make up half of new contracts for Prudential across a number of countries including China, India, Indonesia, Malaysia and Thailand. The company also has a strong presence in Britain and the United States.


Source

Britain's Prudential to buy AIA for $35.5 billion

Prudential taps Asia sovereign funds over AIA deal

British insurer Prudential is tapping sovereign wealth funds in China and Singapore to help finance its 35.5 billion dollar buyout of US insurance giant AIG’s Asian arm, a report said Tuesday.

The Financial Times quoted unidentified sources as saying that Prudential and its advisers were in talks with the sovereign wealth funds to support a planned 20 billion-dollar share offer for AIA.

It said the Singaporean and Chinese sovereign wealth funds had not made a final decision but their response was positive.

Singapore’s Temasek Holdings and China Investment Corp (CIC), among the region’s major sovereign wealth funds, would not comment on whether they had been approached by the British insurer.

“It is inappropriate for us to comment on market speculation,” a spokeswoman for Temasek Holdings said in a statement to AFP.

A CIC spokeswoman said the fund has seen the newspaper report but added it was company policy not to comment on rumours.

Asked about its market strategy, the CIC spokeswoman said: “As an investment institution, we make financial portfolio investment and seek medium- to long-term, risk-adjusted returns at a reasonable level. These have been the principles we always follow.”

Prudential on Monday agreed to buy AIA for 35.5 billion US dollars in the insurance sector’s biggest ever takeover.

The acquisition of AIA will transform Prudential into the world’s top non-Chinese insurer by market capitalisation, ahead of major competitors Allianz and AXA.

Under the acquisition terms, the British firm will pay AIG 25 billion US dollars in cash and the remaining 10.5 billion US dollars in new Prudential shares and other securities.

The Financial Times said Prudential is planning a rights issue of 20 billion US dollars, giving existing shareholders in the British insurer the right to buy the shares first.

Should the shareholders decide not to take up the offer, the sovereign wealth funds will then invest in the offering, it said.

Prudential’s group chief executive Tidjane Thiam said that Asia is the “most attractive opportunity in our industry today”, partly because of the region’s strong savings habits.

“Asia is the engine of the group’s future growth, particularly the fast growing economies in Southeast Asia,” he said.

“Asia is complex, dynamic and exciting, and its economies differ significantly, with varying levels of economic development, from the OECD members, Japan and Korea, to the fast growing markets of Southeast Asia, such as Indonesia and Malaysia.”

Sales in Asia already make up half of new contracts for Prudential across a number of countries including China, India, Indonesia, Malaysia and Thailand. The company also has a strong presence in Britain and the United States.


Source