ABDUL HALIM BIN JOHAN

A3 JALAN SINAR MENTARI A1

TAMAN SINAR MENTARI
BEDONG
08100 KEDAH DARUL AMAN
MALAYSIA

Date / Tarikh : 03-12-2022

Ref / Ruj : ILPSVAL_0015_001/SERVCTRL
Dear Sir/Madam,/ Tuan/Puan/Cik,
Policy Number / Nombor Polisi : 400007647933310
Life Assured / Hayat Diinsuranskan : ABDUL HALIM BIN JOHAN
Assured / Pemunya Polisi : ABDUL HALIM BIN JOHAN
Subject / Subjek : Notice of Automatic Premium Loan & Non-Forfeiture Option / Notis
Pinjaman Premium Automatik & Pilihan Tanpa Perlucutan Hak

We understand that your duties and position may leave you little time to attend to your policy. We would like
to advise that we have not received your installment premium of RM 63.00 due on 19-10-2022.
Kami memahami bahawa disebabkan tugas dan keadaan, Tuan/Puan mungkin kesuntukan masa untuk
menguruskan polisi anda. Justeru itu, kami ingin memaklumkan bahawa kami masih belum menerima
premium ansuran yang berjumlah is RM 63.00  sepatutnya dibayar pada 19-10-2022.
In accordance with your policy provision, all premiums are to be received within one month from your
premium due date, otherwise the policy may lapse. However, as your policy has acquired a surrender value,
an Automatic Premium Loan (APL) has been generated in accordance with your policy provision to keep the
policy in force. The APL will continue to apply as long as your surrender value (after deduction of all
indebtedness i.e any outstanding loan and premium with interest) is sufficient to pay the outstanding
premiums. The current interest rate charged daily, levied on the APL is 6.50% per annum, which is
compounded at every policy anniversary for as long as it remains outstanding.
Menurut terma dan syarat polisi, semua premium perlu diterima dalam tempoh satu bulan dari tarikh
premium patut dibayar, jika tidak polisi akan luput. Namun begitu, oleh sebab polisi Tuan/Puan telah
mengumpulkan nilai serahan, Skim Pinjaman Premium Automatik (APL) telah diguna pakai mengikut
peruntukan polisi anda untuk memastikan polisi terus berkuatkuasa. APL akan diteruskan asalkan semua nilai
serahan (selepas menolak semua hutang, iaitu sebarang pinjaman tertunggak dan premium tertunggak
bersama faedah) adalah mencukupi untuk membayar premium tertunggak. Kadar faedah harian yang
dikenakan ke atas APL ialah 6.50% setahun yang akan dikompaunkan pada setiap ulang tahun polisi selagi
tunggakan masih belum dijelaskan.

The outstanding amount attached to your policy as at 03-12-2022 is as follows:

Jumlah tunggakan di dalam policy tuan/puan pada 03-12-2022 adalah seperti di bawah:
Capital Outstanding / Interest Outstanding / Total (RM) /
Modal Belum Jelas Faedah Tertunggak Jumlah (RM)
Automatic Premium Loan
(APL) / Skim Pinjaman 126.00 1.35 127.35
Premium Automatik (APL)
Gross Surrender Value as at 19-11-2022 is RM 285.22
Nilai Serahan Kasar pada 19-11-2022 adalah RM 285.22
*Capital Outstanding is inclusive of Compounded Interest
*Modal Belum Jelas termasuk Faedah Kompaun

Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur,
Malaysia. P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)

P1_C1 Page 1 of 2
You may repay the loan in whole or in part at any time while the policy is in force. We would recommend you
to repay your loan progressively, as each repayment will reduce the indebtedness as well as the interest
charged on the policy. Additionally, you may want to consider, amongst others, either of the following:
Anda boleh membayar balik pinjaman sepenuhnya atau sebahagiannya pada bila-bila masa selagi polisi ini
berkuatkuasa. Kami mencadangkan agar anda membayar balik pinjaman secara progresif, kerana setiap
pembayaran balik akan mengurangkan hutang dan juga faedah yang dikenakan pada polisi. Tambahan pula,
anda boleh mempertimbangkan, cadangan berikut:
1. Changing your premium payment frequency if the current payment frequency does not suit your
financial obligations.
Menukar kekerapan bayaran premium jika kekerapan premium semasa tidak sesuai dengan
tanggungan kewangan anda.
2. Converting your policy to Paid-Up status whereby the death benefit of your policy will be converted
to a revised sum assured using the surrender value and no further premium payment is required for
your policy upon this conversion. However, please be advised that any other benefits under this
policy will be terminated. Participation in profits for this policy or any part of the policy will also
cease from the date the policy is converted to a Paid-Up policy.
Menukar polisi kepada status Polisi Berbayar Penuh di mana manfaat kematian polisi anda akan
ditukar kepada jumlah diinsuranskan yang baru berdasarkan nilai serahan dan premium selanjutnya
tidak lagi perlu dibayar untuk polisi anda selepas ditukar kepada Polisi Berbayar Penuh.
Walaubagaimanapun, sila dinasihatkan bahawa sebarang manfaat lain di bawah polisi ini juga akan
ditamatkan pada tarikh Polisi ini ditukar kepada Polisi Berbayar Penuh.

Should you wish to know other available option(s), choose to execute any of the above options or need any
further clarification, please do not hesitate to refer to your Agent/Sales Representative or Customer Service
representative at :
Sekiranya anda ingin mengetahui pilihan-pilihan lain yang tersedia, memilih untuk melaksanakan sebarang
pilihan di atas atau memerlukan lebih penjelasan, sila rujuk kepada ejen/wakil jualan anda atau wakil
khidmat pelanggan di:
Telephone / Telefon : +603-27710228
Email / Emel : customer.mys@prudential.com.my
1
Note / Nota: If payment or non-forfeiture option(s) has been made, please disregard this notice.
2
Sila abaikan notis ini jika bayaran atau Pilihan Tanpa Perlucutan Hak sudah dibuat.
Please be informed that the APL will continue to apply for non-payment of premium(s) if you did
not execute any of the Non-Forfeiture Option.
Sila dimaklumkan bahawa APL akan terus diguna pakaikan bagi premium yang tidak dibayar
sekiranya anda tidak melaksanakan sebarang Pilihan Tanpa Perlucutan Hak.

Thank you.
Terima kasih.

Policy Servicing Department

PRUDENTIAL ASSURANCE MALAYSIA BERHAD
[Note : This is a computer generated document and does not require a signature]
[Nota: Ini adalah dokumen yang dihasilkan komputer dan tidak memerlukan tandatangan]

Prudential Assurance Malaysia Berhad 198301012262 (107655-U) Level 20, Menara Prudential, Persiaran TRX Barat, 55188 Tun Razak Exchange, Kuala Lumpur,
Malaysia. P.O. Box 10025, 50700 Kuala Lumpur. Tel (603) 2778 3888 www.prudential.com.my
Customer Service Tel (603) 2771 0228 Email: customer.mys@prudential.com.my

Part of Prudential plc (United Kingdom)

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