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PruBSN Aspirasi
Wealth

PruBSN Aspirasi

A Shariah-compliant takaful savings plan made easy, tailored to your goals with customised protection, so you can achieve your aspirations.

Reasons to consider PruBSN Aspirasi

We all aspire to lead better lives, whether it means living debt-free, being able to afford quality education for our children, or simply retiring worry-free. 

Through PruBSN Aspirasi, you can work towards the life you aspire through consistent savings and investment while ensuring you and your loved ones are protected against life’s uncertainties.

Build a solid lifestyle, education or retirement fund with this flexible all-in-one takaful solution, which offers annual and maturity payouts, as well as coverage for accidents, death or total permanent disability. 

No medical check-up is needed, and you can potentially enjoy a non-medical limit of up to RM300,000. You can also enhance your plan with critical illness, Hajj and Umrah and various Contributor riders.

Plan today for the life and financial future you want with this comprehensive savings and protection plan that’s Shariah-compliant.

Customisable plan to tailor to your goals

You can customise your plan to meet your own needs and goals with different options and flexible certificate.

Choose a term that works for you

You can choose a contribution term of between 5, 10 or 20 years depending on your own goals and needs.

Flexible certificate

You can choose Contribution Payment Term, Benefit Term or Optional Riders to suit your own needs and design a plan that is made for you.

Product details

Coverage and Payment Terms

 

Contribution Term

5,10 or 20 years

Minimum Monthly Contribution

Not applicable

Eligibility Age

1 to 70 age next birthday

Coverage Expiry

15, 20, 25 or 30 years

Minimum Sum Covered

RM15,000

Features

Annual Cash Payout

Life Coverage

Maturity Payout

Guaranteed Acceptance

Flexibility

Potential Upside Return

Benefits

Maturity Benefit

The higher of:

  • 100% of the Basic Sum Covered plus value of units in Investment Unit Account (IUA); or
  • Cash value in Maxishield Account (MSA) plus Protection Unit Account (PUA) plus the value of units in IUA

Death Benefit

For certificate year 1 and 2, the higher of the following will be payable: 

  • The Guaranteed Basic Death Benefit amount as stated in the Product Illustration table minus any outstanding contributions; or 
  • The sum of the total amount in MSA and the value of units in PUA; plus the value of units in IUA (if any)


For certificate 3 and onwards, the higher of the following will be payable: 

  • The Guaranteed Basic Death Benefit amount as stated in the Product Illustration table minus any outstanding contributions; or 
  • The sum of the total amount in MSA and the value of units in PUA; or
  • Basic Sum Covered minus any outstanding contributions; plus the value of units in IUA (if any)

Total and Permanent Disability (TPD) Benefit

For certificate year 1 and 2, the higher of the following will be payable: 

  • The Guaranteed Basic Death Benefit amount as stated in the Product Illustration table minus any outstanding contributions; or 
  • The sum of the total amount in MSA and the value of units in PUA; plus the value of units in IUA (if any)


For certificate 3 and onwards, the higher of the following will be payable: 

  • The Guaranteed Basic Death Benefit amount as stated in the Product Illustration table minus any outstanding contributions; or 
  • The sum of the total amount in MSA and the value of units in PUA; or
  • Basic Sum Covered minus any outstanding contributions; plus the value of units in IUA (if any)

Attachable Riders

Hajj Protection
Contributor Protect
Contributor Saver
Contributor Parent Protect
Contributor Parent Saver
Takaful Saver
Ihsan

Tax Exemption

For PruBSN Aspirasi, you may claim relevant insurance tax relief subject to the terms and conditions of the Inland Revenue Board of Malaysia

Important Note
  • The above is only a brief description of our riders. For full details of the terms and conditions, please refer to your Certificate Document, servicing agent or contact our Customer Service Centre at +603 2053 7188 or customer@prubsn.com.my.

  • Age stated above refers to the Age of your next birthday.

Understanding riders

Understanding riders

A rider is a product which adds benefits to your basic takaful plan. Attaching a rider to your basic plan provides you with options such as additional coverage so you can customise the plan to suit your own needs.

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