PRUfamily guard 10/90

Important Notes

• This is a life insurance product. It is not a bank deposit. To get the maximum benefits from insurance policy, the applicant should continuously pay the premium through to the end of the premium payment period and holds the policy until the end of the policy contract. If the policy is terminated before the end of the contract, the applicant may not receive cash benefit in the amount equivalent to the maximum policy benefit he/she is entitled to, or in the amount equivalent to all premiums paid.
• The life assured is responsible for paying premium. An insurance agent or broker that accepts a premium payment by the life assured is solely for the purpose of providing service to the life assured.
• A buyer must read and understand benefit illustrations, coverage detail, and conditions before buying a life insurance policy. Once receiving the insurance policy, please read details, terms and conditions of the policy thoroughly.
• The company will not cover:
  • In the event of non-disclosure or misrepresentation, the company will terminate the contract within 2 years from the policy effective date or renewal or reinstatement of the insurance policy or the approval date to increase the sum assured (only for the increased part).
  • In the event of suicide within one year from the policy effective date or renewal or reinstatement or the approval date to increase the sum assured (only for the increased part), or the life assured is murdered by the beneficiary.
• The life assured can cancel the policy within 15 days from the date of receipt of the policy document. The life assured will get a refund of premiums paid after deducting the company’s expenses of THB 500 and medical examination as charged. However, this policy cancellation is not allowed if the life assured has ever filed a claim.
• The life assured has a right to surrender the policy. The life assured will receive the surrender value as specified in the policy value table and other benefits (if any) after deducting any amounts owed to the company (if any).
• “PRUfamily guard” is the marketing name of “PRU Whole Life Insurance Plan 90/10 (Non-Par)”.
• This document is not an insurance contract, please refer to the policy for full coverage details and exclusions.

Filing an insurance complaint

If you have questions about insurance or are experiencing any problem, please submit your complaint to:

• Customer Service Center Prudential Life Assurance (Thailand) Public Company Limited 944 Mitrtown Office Tower,10th, 29th - 31st Floor, Rama 4 Road, Wangmai, Pathumwan, Bangkok 10330 Tel 1621 (during office hours), email: hotline@prudential.co.th
• Any UOB Bank (PLC) branch or UOB Bank Customer Service Center 0 2285 1555 or www.uob.co.th.
• Office of Insurance Commission (OIC), Hotline 1186
• Bank of Thailand, Financial Consumer Protection Center (FCC) Hotline 1213 or fcc@bot.or.th

Tax Benefits: Premiums of life insurance plan is eligible to annual tax deduction up to THB 100,000 (according to conditions prescribed by the Revenue Department).

UOB Bank, as a licensed life insurance broker (License No. ช 00026/2545), is responsible for offering insurance products, facilitating the arrangement of life insurance contracts, and assisting with premium payments.

Prudential Life Assurance (Thailand) Public Company Limited will be responsible for all protection and benefits under terms and conditions as specified in the insurance policy.