Services we provide

"I recently embarked on the journey of securing my family’s financial future, and I can’t emphasize enough how smooth and reassuring the process was. Taking on an Income Replacement Insurance Plan turned out to be one of the best decisions I’ve made.

~ Dita Puspawathy,  Account Director @ Alpha Access PR

What is Takaful?

Takaful is a concept of insurance based on Sharia law. Essentially, the takaful system operates on the principles of cooperation, responsibility, guarantee, protection, and mutual assistance among its participants. 

In takaful, participants contribute to a shared fund (pool) that is used to assist those who experience losses or require protection. This differs from conventional insurance, which is based on individual risk assessment and premiums. If you have any further questions about takaful, feel free to ask! 

Savings and Investment Plans

Savings and investment plans designed to enhance your financial well-being. These plans provide a seamless way to manage your wealth and achieve your goals. PRUWealth Enrich maximizes protection and wealth growth, while PRUCash Enrich offers flexible insurance savings with guaranteed long-term benefits. Additionally, PRUCash combines protection against unfortunate events with regular cash payouts.

What is MLTA?

Mortgage Level Term Assurance (MLTA) is a type of home loan insurance that provides consistent coverage throughout the policy term. Unlike Mortgage Reducing Term Assurance (MRTA), which decreases in value as you pay off your loan, MLTA maintains a fixed sum insured. Prudential Malaysia offers MLTA as part of its suite of comprehensive insurance plans, ensuring financial security for homeowners by safeguarding against unforeseen events such as disability or death while maintaining a stable coverage amount. The key advantage of MLTA lies in its favor towards the policyholder rather than the banks: stable coverage, personal protection, and independence make it a favorable choice for homeowners seeking comprehensive coverage beyond their mortgage obligations.

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