BEST Legacy Insurance Plan
Unlocking Financial Flexibility and Security
Guaranteed and Flexible Lifetime Income
PRUElite Flex provides a structured way to secure income that adapts to changing life circumstances. Policyholders can receive or reinvest guaranteed annual income up to age 100, ensuring steady financial support across decades. The FlexIncome feature allows customization providing control over how much is withdrawn versus reinvested, creating a balance between immediate needs and long-term growth. With this approach, individuals can maintain financial stability while pursuing wealth-building strategies tailored to their desired ambitions.
Legacy Planning and Wealth Transfer
Passing on wealth is made seamless through the plan’s flexible transfer options. As a first in the market, the Policy Split Option allows a single plan to evolve into multiple policies, distributing wealth according to specific family or generational goals. In addition, the ability to name an Alternate Life Assured ensures continuity beyond the original insured, allowing support for loved ones and maintaining a structured financial legacy. This strategic design accommodates multi-generational wealth planning while offering clarity and control over how assets are allocated.
Investment Growth Potential
Beyond guaranteed income, PRUElite Flex supports growth through a professionally managed range of local and global funds. The plan offers the potential for upside, combining security with the opportunity for capital appreciation. Diverse fund options allow alignment with personal risk tolerance and financial objectives, enabling an individual approach to portfolio growth. The structure ensures that reinvested FlexIncome contributes to compounded returns, enhancing long-term wealth accumulation while balancing risk and reward.
Hassle Free Enrolment
Enrolment is possible with the Guaranteed Issuance Offer, or GIO, with zero health questions and no financial underwriting required, ensuring a simple and hassle-free start. Beyond growth, the plan provides security and peace of mind with guaranteed maturity benefits and investment gains from reinvested income, delivering a holistic solution that combines lifetime income, legacy planning, investment growth, and protection.
A wealth solution providing guaranteed annual income for life and effortless wealth transfer.
最佳遗产保险方案
开启灵活财富传承与保障之路
灵活保证终身收入
PRUElite Flex 保险方案以周全而有系统的规划方式，为您打造可随人生阶段灵活调整的终身收入方案。保单持有人可选择领取或再投资每年的保证收入，最长可持续至 100 岁，为人生各阶段提供稳定、持续的财务支持。通过每年保证收入 （FlexIncome）的机制，您可根据当下需求自由调配资金使用比例，在即时现金流与长期资产累积之间取得理想平衡。无论是稳定现金流、累积资产，或规划未来目标，都能因应人生变化灵活调整。
在稳健保障的基础上，PRUElite Flex 保险方案让财务规划不再僵化，帮助您在保持财务稳定的同时，从容推进专属的财富成长蓝图。
跨代财富传承与遗产规划
通过灵活的财富传承选项，PRUElite Flex 保险方案让家族财富传承更顺畅。创新的开枝散叶选项（Policy Split Option）可将单一保单拆分为多份保单，按照家庭需求或世代规划目标，有系统地分配资产给孩子、孙子或其他挚爱亲人。
此外，您还可指定备用受保人，实现财富连续性与结构化传承。这一策略设计实现跨世代的财富传承规划，确保资产分配清晰可控。
投资增值潜力
除了保证收入，PRUElite Flex 保险方案还支持通过专业管理的本地与全球基金实现潜在财富增值。多样化的基金选择，可匹配个人风险偏好与财务目标，使投资更具个性化。再投资的每年保证收入可产生复利效应，增强长期财富积累，同时平衡风险与回报，让资产稳健增值。
轻松简便的投保程序
通过 Guaranteed Issuance Offer（GIO） 投保，无需回答健康问题与无财务核保要求，让更多大马民众轻松投保，享有保障。此保险方案不仅带来财富增长潜力，更兼顾稳健保障与安心——保证到期收益与再投资收益相结合，为个人或家庭实现终身收入、财富传承、投资增值与保障兼备的全面理财方案。
专为您打造一项
终身安心有收入，轻松传承财富
的理财方案
www.prudential.com.my | Prudential Malaysia | prudentialmalaysia
