This section presents the average annual charge as a percentage of the total premiums paid over 20 years for sample policy(ies) of Shareholder-backed Participating Plans currently available in Macau.
The average charge percentage of your policy may be different and is affected by several factors including, but not restricted to, the issued age, gender, smoking status, premium payment term, nationality and country of residence.
Please contact our Customer Service Hotline at (853) 8293 0833 for more details on the average charge percentage of your policy.
Policy Currency | USD |
| Premium Payment Term | Single Pay |
| Gender | Male |
Issued Age (Age Next Birthday) | 40 |
Smoking Status | Non-smoking |
Sum Assured | USD 500,000 |
| The average annual charge as a percentage of the total premiums paid over 20 years | 1.2% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.
Policy Currency | USD |
| Premium Payment Term | 20 |
| Gender | Male |
Issued Age (Age Next Birthday) | 40 |
Smoking Status | Non-smoking |
Sum Assured | USD 125,000 |
| The average annual charge as a percentage of the total premiums paid over 20 years | 0.4% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.
Policy Currency | USD |
| Premium Payment Term | 5 |
| Gender | Male |
Issued Age (Age Next Birthday) | 1 |
Smoking Status | Non-smoking |
Notional Amount | USD 125,000 |
| The average annual charge as a percentage of the total premiums paid over 20 years | 0.9% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 13 January 2026.
*Includes Prudential Enlight Savings Insurance and Prudential Baby Enlight Savings Insurance
Policy Currency | USD |
| Premium Payment Term | 5 |
| Gender | Male |
Issued Age (Age Next Birthday) | 40 |
Smoking Status | Non-smoking |
Notional Amount | USD 125,000 |
| The average annual charge as a percentage of the total premiums paid over 20 years | 1.0% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.
Policy Currency | USD |
| Premium Payment Term | 20 |
| Gender | Male |
Issued Age (Age Next Birthday) | 40 |
Smoking Status | Non-smoking |
Sum Assured | USD 125,000 |
| The average annual charge as a percentage of the total premiums paid over 20 years | 0.4% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.
Policy Currency | USD |
| Premium Payment Term | 26 |
| Gender | Male |
Issued Age (Age Next Birthday) | 40 |
Smoking Status | Non-smoking |
Sum Assured | USD 125,000 |
| The average annual charge as a percentage of the total premiums paid over 20 years | 1.0% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.
Policy Currency | USD |
| Premium Payment Term | 20 |
| Gender | Male |
Issued Age (Age Next Birthday) | 40 |
Smoking Status | Non-smoking |
Sum Assured | USD 125,000 |
| The average annual charge as a percentage of the total premiums paid over 20 years | 0.4% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.
Policy Currency | USD |
| Premium Payment Term | 5 |
| Gender | Male |
Issued Age (Age Next Birthday) | 40 |
Smoking Status | Non-smoking |
Sum Assured | USD 125,000 |
| The average annual charge as a percentage of the total premiums paid over 20 years | 0.7% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.
Policy Currency | USD |
| Premium Payment Term | 1 |
| Gender | Male |
Issued Age (Age Next Birthday) | 40 |
Smoking Status | Non-smoking |
Sum Assured | USD 125,000 |
| The average annual charge as a percentage of the total premiums paid over 20 years | 0.6% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.
Policy Currency | USD |
| Premium Payment Term | 20 |
| Gender | Male |
Issued Age (Age Next Birthday) | 40 |
Smoking Status | Non-smoking |
Sum Assured | USD 125,000 |
| The average annual charge as a percentage of the total premiums paid over 20 years | 0.9% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.
Follow Prudential's WeChat
Official Account
Use WeChat to scan the QR code or search "PrudentialHKLtd" in WeChat
By clicking ‘Accept’ button below, you will leave Prudential’s website and an external link will be opened in a new browser window. To return to Prudential’s website, you can click ‘Decline’ button below.
Website accessed through this hyperlink is a third-party website which is not owned or controlled by, or affiliated in any way with Prudential and Prudential is not responsible or liable for their content and / or your use of them.
