Rev Nonpay Pre Apl

RATHANA A/P S MUNIANDY
S-14-08 BLOCK B 1 TEBRAU

JALAN TEBRAU
KAMPUNG SETANGGI
80250 JOHOR BAHRU JOHOR
MALAYSIA
Date / Tarikh : 22-09-2023

Ref / Ruj : ILPSREV_0003_001/SERVCTRL
Dear Sir/Madam,/ Tuan/Puan/Cik,
Policy Number / Nombor Polisi : 12209227
Life Assured / Hayat Diinsuranskan : RATHANA A/P S MUNIANDY
Assured / Pemunya Polisi : RATHANA A/P S MUNIANDY
Subject / Subjek : Non-Payment & Pre-APL Notification / Pemberitahuan Tiada Bayaran &
Pra-Pinjaman Premium Automatik
We would like to inform that we have not received your instalment amount of RM 203.04, payable on
Monthly basis which was due on 01-09-2023. To bring your payment up to date, please pay the outstanding
premium(s) within the grace period of 30 days from the premium due date.
Kami ingin memaklumkan bahawa kami masih belum menerima amaun ansuran anda sebanyak RM 203.04,
yang sepatutnya dibayar pada setiap Bulanan yang tertunggak sejak 01-09-2023. Bagi memastikan bayaran
anda terkini, sila bayar premium tertunggak dalam tempoh tangguh 30 hari daripada tarikh premium patut
dibayar.
Regular premium payments are important to ensure continuous coverage of benefits and to keep your policy
in force. In the event of non-payment, Automatic Premium Loan (APL) will take effect to pay for the
outstanding premium in accordance with your policy provision if your policy has acquired a surrender value.
Please note that the APL amount will incur daily interest charges of 6.50% per annum, which is compounded
at every policy anniversary for as long as it remains outstanding.
Bayaran premium secara berkala adalah penting untuk memastikan perlindungan berterusan dan
memastikan polisi anda aktif. Sekiranya tiada pembayaran yang dilakukan, Pinjaman Premium Automatik
akan berkuatkuasa untuk membayar bayaran tertunggak mengikut peruntukan polisi anda jika polisi anda
memperolehi nilai serahan. Sila maklum bahawa Pinjaman Premium Automatik akan dikenakan caj faedah
harian sebanyak 6.50% setahun, di mana ia akan dikompaunkan pada setiap ulangtahun polisi selagi ia masih
tertunggak.
You may repay the loan progressively as each repayment will reduce the indebtedness as well as interest
charged on your policy. Premium amount paid will be used to offset APL (if any) first and will be applied as
Premium Due if there is a balance amount. Your policy will lapse upon full exhaustion of the surrender value
in your policy.
Anda boleh membayar pinjaman anda secara berperingkat kerana setiap pembayaran yang dibuat akan
mengurangkan jumlah hutang serta faedah yang dicaj pada polisi anda. Amaun premium yang dibayar akan
digunakan untuk menolak APL (jika ada) terlebih dahulu, dan seterusnya baki akan digunakan untuk
pembayaran bagi premium semasa. Polisi anda akan luput setelah semua nilai serahan polisi anda
digunapakai.
Alternatively, you may want to consider the following non-forfeiture option(s) to avoid a lapse of your policy:
Secara alternatif, anda mungkin boleh mempertimbangkan untuk memilih pilihan tanpa perlucutan hak
seperti berikut untuk mengelakkan polisi anda daripada luput:
1. Changing your premium payment frequency if the current payment frequency does not suit your
financial obligations, or
Menukar kekerapan bayaran premium anda jika kekerapan bayaran premium sekarang tidak sesuai
dengan tanggungan kewangan semasa anda, atau
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: [email protected]
Part of Prudential plc (United Kingdom)

P1_C1 Page 1 of 2
2. Converting your policy to Paid-Up status whereby the basic benefits of your policy will be converted
to a revised sum assured using the surrender value and no further premium is payable for your policy
upon this conversion. However, please be advised that any other benefits payable pursuant to your
policy will be terminated. Participation in profits for your policy or any part of your policy will also
cease from the date your policy is converted to a Paid-Up policy.
Menukar polisi anda kepada status polisi Berbayar Penuh, di mana manfaat asas polisi anda akan
ditukarkan kepada jumlah baru yang diinsuranskan dengan menggunakan nilai serahan dan tiada
bayaran premium selanjutnya yang diperlukan selepas penukaran ini. Walaubagaimanapun, sila
dinasihatkan bahawa sebarang manfaat lain yang perlu dibayar menurut polisi anda akan
ditamatkan. Penyertaan dalam keuntungan bagi polisi anda atau mana-mana bahagian polisi anda
juga akan ditamatkan dari tarikh polisi ini ditukarkan kepada polisi Berbayar Penuh.
For a policy that is sold to a business organization, the policy shall be subject to 6% Service Tax on the
premium payable for the policy.
Untuk polisi yang dijual kepada organisasi perniagaan, polisi akan tertakluk kepada 6% Cukai Perkhidmatan
ke atas premium yang kena dibayar untuk polisi ini.
Please note that the law may require taxes to be imposed or increase on the premium. If so, the amount
payable for the policy will be increased because the premium is required to be paid together with the taxes at
the applicable prevailing rate.
Sila perhatikan bahawa undang-undang boleh mengenakan atau meningkatkan cukai ke atas premium. Jika
berlaku sedemikian, amaun yang kena dibayar untuk polisi ini akan meningkat kerana premium dikehendaki
dibayar bersama dengan cukai pada kadar semasa.
If payment or non-forfeiture option(s) has been made, please disregard this notice.
Jika bayaran atau pilihan tanpa perlucutan hak telah dibuat, sila abaikan notis ini.
Should you wish to know other available option(s), choose to execute any of the above options or need
further clarification, please do not hesitate to refer to your Agent/Sales Representative or Customer Service
at :-
Sekiranya anda ingin mengetahui pilihan-pilihan lain yang tersedia, memilih untuk melaksanakan sebarang
pilihan di atas atau memerlukan penjelasan selanjutnya, sila rujuk kepada Ejen/Wakil Jualan atau Wakil
Khidmat Pelanggan di :-
Telephone/Telefon : +603-27710228
Email/Emel : [email protected]
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 oleh computer 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: [email protected]
Part of Prudential plc (United Kingdom)

P1_C1 Page 2 of 2

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RATHANA A/P S MUNIANDY

S-14-08 BLOCK B 1 TEBRAU

Date / Tarikh : 22-09-2023

Part of Prudential plc (United Kingdom)

Part of Prudential plc (United Kingdom)

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