🌟 灵活终身收入，跨世代传承
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💰 Guaranteed Annual Income (Flexi Income) — Starting from policy year 1, receive a guaranteed % of basic premium yearly
💰 保证年收入 — 从第1保单年起，每年按基本保费百分比给付，可领取或再投资。
🔁 Flexible Allocation — Adjust cash vs reinvestment anytime in 10% multiples.
🔁 灵活分配 — 可随时以10%倍数调整领取与再投资比例
🪙 Potential Capital Growth — Invest part of your premium in PRULink funds.
🪙 潜在资本增值 — 部分保费用于PRULink投资基金
👪 Multi-Generation Features — Policy split & ALA/AA for smooth wealth transfer.
👪 跨世代传承 — 可传给下一代（马来西亚首个公司推出的概念），通过保单分拆、后备受保人与投保人，助力财富顺利传承
✅ Easy Issue (GIO) — Eligible cases can enjoy no medical underwriting.
✅ 轻松投保 — 符合条件可免体检承保
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| Plan Details / 计划详情 | PRU Elite Flex |
|---|---|
| Premium / 保费 | Flexible, based on sum assured / 灵活，按保障额计算 |
| Life Coverage / 人寿保障 | Up to RM4 million / 最高RM4百万 |
| Payment Term / 缴费年期 | 5 years onwards / 从5年起 |
| Investment Link / 投资连结 | Yes / 有 |
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🧩 Flexible Design — Adjust benefits as your life changes.
🧩 灵活设计 — 生活变化时可随时调整
👨👩👧👦 Legacy Planning — Ideal for passing wealth to your children.
👨👩👧👦 传承规划 — 可传给下一代（马来西亚首个公司推出的概念），为子女留下一份保障与资产
🛡 Wealth + Protection — Combines life insurance and investment.
🛡 保障+财富 — 同时拥有保险保障与财富增值
📈 Steady Cash Flow — Guaranteed yearly payout.
📈 稳定现金流 — 保证年年有收入
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| Annual Premium 年缴保费 | Flexi Income % 年收入比例 | Yearly Payout 每年收入 |
|---|---|---|
| RM20,000 | 5% | RM1,000 |
| RM50,000 | 5% | RM2,500 |
| RM100,000 | 5% | RM5,000 |
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Q1: What is Flexi Income? / 什么是FlexIncome？
A: Guaranteed % of basic premium paid yearly, as cash or reinvestment.
答：每年按基本保费百分比给付，可领取或再投资
Q2: Can I pass the policy to my children? / 可以把保单传给孩子吗？
A: Yes — Use Policy Split or ALA/AA to continue benefits for the next generation. (Malaysia's first company with this concept)
答：可以 — 通过保单分拆或委任后备人，保障可延续到下一代。（马来西亚首个公司推出的概念）
Q4: Can I adjust my income allocation? / 收入分配可以调整吗？
A: Yes — You can adjust cash vs reinvestment anytime.
答：可以 — 可随时调整现金领取与再投资比例
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I'm available for consultations, policy reviews, and financial planning discussions!
Feel free to reach out:
Chris Tan| Wealth Planner & Insurance Advisor