Yes advance payment is not allowed if you use the Prudential online payment. You can use the portal to pay on the 2nd of every mth as the policy due date is always on the 1st of the mth.

If you still want to pay in advance, you may use bank online transfer to Prudential Assurance (M) Bhd or PruBSN Takaful Bhd (depending on your policy). Key in the policy no as the reference no.

After the policy is due on the 1st of the month, you have 30 days to pay and there is no penalty for late charges. However, if the policy is not paid promptly, it may lapse if no payment is receive if there is insufficient cash value to sustain the policy.

Yes you can pay via the online portal on the 1st of every month, but I do recommend paying on the 2nd if you're using PruAccess Plus portal as some customers had difficulty paying on the 1st.

Whichever works I suppose.

There won't be penalty for late payment if you don't make payment to your policy, however, for investment link policies, if there is insufficient cash value then it will lapse after 30 days from the last due date.

If you're worried about forgetting to make premium payment, perhaps you can set auto-billing directly to your savings account or credit card.