PruBSN Warisan

Designed to accommodate your need of leaving a legacy behind for your loved ones in the form of hibah (gift) should the unfortunate happen to you. The takaful nomination process gives you the option of naming someone as a wasi (executor) where the takaful benefits will be distributed according to faraid as part of your estate distribution, or you may name someone as the beneficiary where the takaful benefits will then be excluded from your estate.

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Family survival


Hibah (Gift)


High non-medical limit

Product Details

Contribution Term

5, 10 or 20 years or Full Coverage Term.

Minimum Monthly Contribution

Minimum monthly contribution is RM100. The contribution rate is based on your selection of basic sum covered, contribution term and contribution frequency (monthly, quarterly, semi-annually or annually) and will vary according to age, gender, smoking status, occupational class, expiry age and health conditions.

Eligibility Age

19 to 70 years old.

Coverage Expiry

70 or 80 years old.

Minimum Sum Covered

RM250,000 and above.

Maturity Benefit

Remaining balance from the Protection Unit Account (PUA) and Investment Unit Account (IUA).

Death Benefit

The higher of:
a) The current Basic Sum Covered; or
b) Value of units in the PUA and IUA.

TPD Benefit

The higher of:
a) The current Basic Sum Covered; or
b) Value of units in the PUA and IUA, and only up to 70 years old.

Critical Illness Benefit

Not applicable.

Tax Exemption

Up to RM6,000 under Life Insurance and EPF, subject to terms & conditions of Inland Revenue Board (IRB).


Build Your Legacy in the Form of Hibah
Secure the future of your loved ones by naming them as beneficiaries. Your loved ones can receive the sum covered without going through prolonged inheritance procedures. With the legacy you leave behind, your outstanding debts can be settled on your behalf to ease their burden.

High Minimum Sum Covered
With a minimum sum covered of RM250,000, ensure that your loved ones are taken care of should the unforeseen happen.

High Non-medical Limit
Be covered up to RM1,500,000 and enjoy a hassle-free application process without a medical check-up*.

*Depending on the age and health condition of the person covered.

Riders Attachable

Crisis Protector, Accidental Protector, Contributor

Please refer to our Rider Plans for detailed information.

Important Note

This is a brief product description only. For exact details of terms and conditions, please refer to your certificate document.

You must ensure that you are satisfied that this product will best serve your needs and that the contribution payable under the certificate is an amount that you can afford.

More Information


Make an Appointment

Get more information and free consultation from our Takaful Consultant.

Contact us

Customer Service Centre

Our Customer Service Representatives are always ready to assist you, from 8.30am to 5.15pm, Monday to Friday.

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