Kuala Lumpur, March 10, 2026 – Prudential BSN Takaful Berhad (PruBSN) recently
launched Smart Legasi Takaful, a Shariah-compliant family takaful solution designed to support Malaysians in planning for long-term protection, fulfilling intergenerational
responsibilities and ensuring clear legacy distribution.
The launch comes at a time when
Malaysian consumers are increasingly prioritising family financial security and proactive wealth transfer planning.
According to UOB ASEAN Consumer Sentiment Study (ACSS) 20251
, nominating a beneficiary for life insurance benefits is the most preferred legacy planning step among consumers, with 40 per cent of respondents selecting it. Findings from this study further
highlight the growing trend of proactive legacy planning among Malaysians, who are increasingly taking steps to ensure their families receive timely financial support during unexpected situations.
With that in mind, the Smart Legasi Takaful is designed to offer long-term financial
protection that supports customers through different life stages, ensuring their coverage remains relevant as responsibilities grow, whether caring for dependants, supporting
ageing parents or preparing for retirement. Through conditional Hibah, the plan enables benefits to be distributed directly to beneficiaries in the event of death or total and permanent disability, providing timely access to financial support. This helps families avoid lengthy estate administration so their intentions are carried out with clarity and fairness.
Kelvin Wong, Officer-in-Charge and Chief Financial Officer of PruBSN, said, “Malaysia is progressing towards becoming an aged nation by 2048, which means families need earlier
and more purposeful planning. Smart Legasi Takaful is designed to give Malaysians longterm protection that grows with them, supports their retirement needs and ensures the legacy they have built can be passed on with dignity and confidence. Our aim is to help families protect what matters most and plan with intention across generations.”
The introduction of Smart Legasi Takaful is reinforced through PruBSN’s partnership with UOB Malaysia. The Bank will provide advisory support across its nationwide branch network to help customers make informed decisions that align with their financial objectives and Shariah values.
Elaine Fan, Country Head of Personal Financial Services at UOB Malaysia, said, “As customers progress through different life stages, legacy planning has become a key part of holistic wealth management. It is not only about growing assets but ensuring families have clarity, protection and a structured plan for transferring wealth to the next generation. Smart Legasi Takaful strengthens this approach by giving customers a solution
that supports long-term family security while helping them preserve and pass on their legacy with confidence. Through our partnership with PruBSN, we are able to guide
