Prudential With-Profits Plans / Shareholder-backed participating plans
Long-term Average Actual Total Internal Rate of Return

The following tables show the Long-term Average Actual Total Internal Rate of Return of the With-Profits Plans (life protection and saving products) issued by Prudential Hong Kong Limited (“PHKL”) which had been effective for more than 20 years. The Long-term Average Actual Total Internal Rate of Return is intended for reference purposes only and should not be taken as a projection of future performance or an indicator of actual returns of the participating products.

How to interpret the Long-term Average Actual Total Internal Rate of Return?

The Long-term Average Actual Total Internal Rate of Return represents the track records of PHKL participating policies with longer history which are calculated as the average of relevant sample policies’ actual total internal rate of return at the 20th policy year. It is another reference reflecting the past performance of such policies, and can also demonstrate the impact of time value on the total return.

Average actual total internal rate of return (IRR) @ policy year 20 of the relevant# With-Profits Plans that have been effective for more than 20 years

With-Profits PlansLife protectionSavingsAverage actual total IRR
@ policy year 20 (p.a.)
Diamond Gift Plan A6.32%
Better Life Assurance Series *, B5.77%
Achiever Endowment C5.58%
Better Life Plus Series ^, D5.46%
Achiever Life Assurance II (Single Premium) D5.39%
Best Start Plans A5.34%
Achiever Life Assurance Series ~, B5.30%
Golden Gift Plan A5.12%
PRUlife Series E, F4.89%
PRUsave plus G4.87%

# Relevant plans refer to With-Profits Plans, excluding coupon and specified customer segment plans with high guaranteed payout or protection element
* Better Life Assurance Series includes Better Life Assurance and Better Life Assurance II
^ Better Life Plus Series includes Better Life Plus and Better Life Plus II
~ Achiever Life Assurance Series includes Achiever Life Assurance and Achiever Life Assurance II

Sample policies: Non-smoker male

 Issue age (Age next birthday [ANB])Payment termBenefit termSum assured
A110 yearsWhole lifeUSD 50,000
B3510 yearsWhole lifeUSD 50,000
C3520 years20 yearsUSD 50,000
D351 yearWhole lifeUSD 50,000
E121 yearsWhole lifeUSD 50,000
F3565 yearsWhole lifeUSD 50,000
G3510 years20 yearsUSD 50,000

Notes

  1. Average actual total IRR (p.a.) @ policy year 20 is the simple average of the relevant sample policies’ actual total IRR on their policy year 20. The relevant sample policies have been effective for more than 20 years since 1989. Products issued over 40 years ago are excluded.
  2. The total IRR is the annual rate of growth that the insurance plan is going to generate. We calculate the total IRR by taking into account the annual premium inflows in various instalments, plus the Guaranteed Cash Value and the Non-Guaranteed Reversionary Bonus/Special Bonus when the policy surrenders/matures. The total IRR varies across different premium terms and payment modes.
  3. Reversionary Bonus/Special Bonus is not guaranteed. Please refer to our With-Profits Plan Booklet on https://pruhk.co/withprofits-en for the factors affecting the bonuses.
  4. The above calculation assumes there is no encashment of any cash value of bonuses, no cash value withdrawal, no reduction in sum assured, and no policy loan while the policy is in effect. All cash payment and cash dividend (if applicable) are assumed to have been cashed out by policyholders.
  5. The above plans are closed for new business.

These details are for reference only. Past performance is neither an indicator nor a guarantee of current or future performance and should not be the sole factor of consideration when selecting a product.

(Last updated on May 9, 2025)