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About Prudential Hong Kong

We do companionship and love
Support the diversity of modern families

Prudential Hong Kong’s expansion of the scope of beneficiary relationships for life insurance policies to cover more diverse family relationships in modern times.

When it comes to protecting the ones you care for, we always strive to DO MORE no matter the relationship – for love knows no boundaries. In respecting our differences, Prudential Hong Kong is now embracing a more inclusive definition of diverse modern family types as beneficiaries for all our life insurance policies to help you get the most out of life.

Modern families exist in many forms, such as grandparent-grandchild(ren) families, single-parent families, stepfamilies and same-sex married couples. To embrace a more inclusive definition of diverse modern family types, Prudential Hong Kong has expanded our beneficiary list for all our life insurance policies that covers a wide variety of relationships to protect the ones whom our customers care for.

Customers who take out a life insurance policy with us can choose their beneficiary(ies) from the list below at the policy application stage, as we provide them with more convenience and peace of mind through the broader range of relationships covered. The scope expansion of beneficiary relationships is our new step towards embracing inclusiveness and diversity in support of the variety of modern families today.

Acceptable Modern Family Beneficiary Relationships

  • Spouse
  • Child
  • Parent
  • Grandparent
  • Grandchild


  • Brother/Sister
  • Nephew/Niece
  • Uncle/Auntie
  • Cousin
  • Fiancé/Fiancée


  • Legal Guardian
  • Stepfather/Stepmother
  • Stepchild
  • Same-sex Married Partner
  • Cohabiting Unmarried Partner (including Same-sex Partner)

Frequently Asked Questions

Do the policyholder and the life assured have to be the same individual?

No. In the case of life assured being a different individual of the policyholder, the life assured must be at least 18 years old in order to nominate a beneficiary.

Can I nominate one of the acceptable relationships as my beneficiary for the life insurance policy/policies I already have with Prudential Insurance?

Yes, after a life insurance policy has been issued, the policyholder can nominate another person as a beneficiary, unless the existing policy beneficiary has been designated as an irrevocable beneficiary i.e. one that cannot be changed without agreement of the beneficiary.

What document(s) is/are needed if a policyholder nominates one of the below relationships as a beneficiary?

The policyholder needs to fill the respective declaration form provided by Prudential Hong Kong Limited:



Modern Family Relationships between Life Assured and Beneficiary

Required Document














Provide beneficiary’s ID number in Proposal for Assurance

Legal Guardian

Legal document to proof guardianship


Marriage certificate and birth certificate to proof the relationship between the stepfather/stepmother and the stepchild


Marriage certificate and birth certificate to proof the relationship between the stepfather/stepmother and the stepchild

Cohabiting Partner*

Provide ID number and complete "Nominating Cohabiting Partner as Beneficiary Declaration Form"

Same-sex Married Partner

Submit marriage certificate upon making a claim


The Life Proposed and his/her cohabiting partner are both at least 18 years of age and are in a committed domestic partnership residing in the same residence for a continuous period of at least 6 months. The Life Proposed and his/her cohabiting partner were and still are each other's sole domestic partner and each of them was and still is not married.