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Embrace a legacy of love. Live worry-free, knowing that the future is secure and certain for your loved ones, while also fulfilling your saham akhirat.

Reasons to consider PruBSN WarisanGold

How would your loved ones carry on if something unfortunate befall you? How will they maintain the lifestyle they are accustomed to and cover daily expenses or future education needs?

In a life full of uncertainties, forward-thinking and building a legacy prepare you and your family for a fulfilling future.

PruBSN WarisanGold, the takaful legacy plan that thinks ahead for you and help you attain peace of mind, ensures your loved ones are financially secure if the unexpected happens to you or during your absence.

PruBSN WarisanGold offers high life protection starting from RM350,000* and an auto-increasing coverage amount that grows with you. It also provides accidental death coverage of up to 600% of the Basic Sum Covered** and immediate financial assistance such as Khairat Benefit and Badal Hajj Benefit. The plan comes with special benefits to boost legacy values over the years as well as the auto extension of coverage up to age 100.

Moreover, PruBSN WarisanGold gives you the flexibility to choose your coverage amount, coverage terms, contribution payment terms and customisation with the optional add on benefits to meet different protection needs. 

With the Charity Option under PruBSN WarisanGold, you can leave a legacy to your family while giving back to the community.

Get peace of mind with PruBSN WarisanGold - the most comprehensive Takaful legacy solution!

*For child, coverage starting from RM250,000.
**Based on total benefits payable for death benefit and accidental death benefit (where applicable).

Family is priority

When an unfortunate event occurs, you can count on us to help your family in navigating through the tough times with a hassle-free procedure.

Build the legacy of love

In life is full of uncertainties, a legacy plan thinks ahead for you. Come what may, live worry-free knowing that your family's needs are catered to, and the future is secure.

Giving back to the community

When safeguarding the future of your loved ones, you can also fulfil your saham akhirat with the charitable donation via Ihsan rider and Charity Option, leaving a legacy beyond your family.


Product details

Coverage and Payment Terms

Contribution Term

5, 10, 20 years or throughout the certificate term

Minimum Monthly Contribution

Minimum monthly contribution of RM100 for adult and RM50 for child. The contribution is based on your selection of sum covered, contribution term and contribution frequency. Contribution rate varies according to age, gender, smoking status, occupational class, health condition, contribution term and expiry age

Eligibility Age

1 to 70 age next birthday

- For expiry age 70, maximum entry age is 50 age next birthday;
- For expiry age 80, maximum entry age is 60 age next birthday.

Coverage Expiry

20 years or expiry age of 70, 80, 90 or 100

Minimum Sum Covered




High Protection
Death and Total and Permanent Disability (TPD) coverage starting from RM350,000 or coverage amount starting from RM250,000 for a child 

Accidental Death Coverage of up to 600% of the Basic Sum Covered*
On top of the Death Benefit, additional benefit up to 500% of Basic Sum Covered is payable in the event of death caused by an accident

*Based on total benefits payable for death benefit and accidental death benefit (where applicable).

Special Benefits to Boost Your Legacy Values
Protection Enhancer provides auto increasing coverage up to 15%, and Legacy Booster along with Legacy Bonus maximise your legacy values over the years

Immediate Financial Assistance
Khairat Benefit of RM3,000 and Badal Hajj Benefit of RM3,000

Flexible and Customisable
Various options on coverage amount, coverage terms, contribution payment terms and customisable with optional benefits

Investment opportunity
You can choose from 10 investment-linked funds that fit your risk appetite to increase your cash value with potential upside returns via Takaful Saver or Takaful Saver Kid rider

Auto Extension of Coverage up to Age 100
The coverage will be extended up to age 100*, subject to additional contribution required.

*The coverage will continue as long as there is sufficient cash value for the deduction of Tabarru` and other charges up to age 100 or to each benefit's maximum coverage term, whichever is earlier. Additional contribution may be required to ensure sufficient cash value until end of extended period.

Hassle Free Sign-up
Basic Sum Covered of up to RM4 million, depending on entry age, without undergoing medical examination

Charity Options
- Channel a portion of your death benefit for Sadaqah or Wakaf option
- Make regular charitable donations via Ihsan rider


Maturity Benefit

The value of all units in Protection Unit Account (PUA) and Investment Unit Account (IUA), if any.

Death Benefit

The higher of:
(i) the total of Basic Sum Covered and Protection Enhancer; or  
(ii) value of units in the PUA, if any;
less any outstanding amount that is due to us; 
plus value of units in the IUA, if any.

Total and Permanent Disability (TPD) Benefit

The higher of:
(i) the total of TPD Sum Covered and Protection Enhancer; or  
(ii) value of units in the PUA, if any;
less any outstanding amount that is due to us;
plus value of units in the IUA, if any.

TPD Benefit is payable in the event of TPD before expiry of the term or before the age of 70, whichever is earlier, and subject to a maximum of RM8,000,000 per life.

Attachable Riders

Hajj Umrah Protector
Level Term Benefit
Accidental Disablement Protector
Crisis Shield
Crisis Protector
Takaful Saver
Takaful Saver Kid
Contributor Parent Protect
Contributor Parent Saver
Contributor Protect
Contributor Saver
Contributor Spouse Protect
Contributor Spouse Saver


Tax Exemption

For PruBSN WarisanGold, 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 plan. For full details of the terms and conditions, please refer to your Certificate Document, servicing agent or contact our Customer Service Centre at +603 2775 7188 or

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

Understanding riders

What is a rider?

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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