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Beware of Website Scam: Prudential wishes to draw the public's attention to a fraudulent website (www[.]prudeix[.]com). Prudential confirms that this website is not owned by us and we strongly advise the public not to click on the link or provide any personal information.

Prudential Hong Kong reminds everyone to remain vigilant at all times. Do not click on any suspicious link that do not come from our official domain name, "www.prudential.com.hk".
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Security Alert: Beware of bogus SMS. Prudential will only send SMS to Hong Kong mobile number using a Registered SMS Sender ID that starts with "#Prudential". If you receive any suspicious SMS or links pretending to be from Prudential, please do not reply, click, or open any links in the SMS.
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Beware of Email Scam: Prudential wishes to draw the public’s attention to a phishing email sent from a fraudulent email address (info@prudentiai-hk[.]site), which contains a link that redirects recipients to the fraudulent website (hxxps://prudential-hk[.]site/). This email asks recipients to click on "Confirm Refund" and provide personal information. Prudential confirms that this email was not sent by us and did not induce customers to provide personal information. We strongly advise the public not to click on the link or provide any personal information.

Prudential Hong Kong reminds everyone to remain vigilant at all times. Do not respond to any suspicious emails or messages that do not come from our official domain name, “@prudential.com.hk”.

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Policy Reverse Mortgage Programme (applicable to policy issued in Hong Kong only)

Eligible Life Insurance Plan

Prime Vantage Protector is now eligible for simplified application under the Policy Reverse Mortgage Programme, providing you with liquidity more quickly to support your dream retirement.

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Benefits you can count on

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    Lifelong, premier protection with just a single premium payment

    We’ll pay a guaranteed death benefit up to 100% of the sum assured if the person covered by the plan (i.e. life assured) passes away

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    Protection adapts as your life evolves

    The plan will automatically adjust its guaranteed life protection downward to match your protection needs, shifting the focus to wealth growth

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    Distribute your wealth flexibly

    Separate your policy into several policies by exercising the Policy-Split Option and pass your accumulated wealth to your loved ones

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    3 different death benefit settlement options to safeguard your family

    Choose how you would like us to pay the death benefit - as a lump sum, in monthly instalments or a mix of both (please refer to the Death Benefit Settlement Option leaflet below for details)

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    Appoint a family member in advance to manage the policy if you become incapacitated*

    Choose a loved one as the successive policyholder to manage the policy in case you become mentally or physically incapacitated

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    Easily enhance your cover in the future without a medical examination

    Receive pre-approval for an overall level of cover within a certain period of time, based on your existing medical condition. You can apply for a new policy under the same plan by just answering a few health questions

*Applicable to policies issued in Hong Kong only

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Learn more

Please also refer to our brochure on Shareholder-backed Participating Plan (Hong Kong Edition/Macau Edition) for more information (such as investment philosophy and bonus philosophy) on your Shareholder-backed Participating Plan and the operation of the Shareholder-backed Participating Fund.


During the sales process, this document should be read in conjunction with the relevant product brochure. For full terms and conditions, and risk disclosures of the relevant insurance plan, please refer to relevant product brochure and policy document and read carefully.

Please note that this product is an eligible life insurance plan under PRMP, but it does not necessarily mean that your PRMP application will be approved. The eligibility of this product under the PRMP is based on the features of the product. Therefore, you and your life insurance policy are still required to meet all the eligibility requirements under PRMP before you apply for the policy reverse mortgage loan.

The general information provided on PRMP is for reference only, and you should not make any decisions based on such information alone. You should always seek for advice from professional bodies if you have any doubts. Please note that the information provided is subject to change including the eligibility criteria for PRMP. We do not take any responsibility to inform you about any changes and how they may affect you. The Policy Reverse Mortgage Programme is operated by HKMC Insurance Limited, a wholly-owned subsidiary of The Hong Kong Mortgage Corporation Limited. For further information, please refer to The Hong Kong Mortgage Corporation Limited website: www.hkmc.com.hk.

Prime Vantage Protector is underwritten by Prudential Hong Kong Limited or Prudential Hong Kong Limited (Macau Branch) (“Prudential”). You can always choose to take out this plan as a standalone plan without enrolling with other type(s) of insurance product at the same time, unless such plan is only available as a supplementary benefit which needs to be attached to a basic plan. This document does not contain the full terms and conditions of this plan and is for reference only. It does not represent a contract between Prudential and anyone else. You should read carefully the risk disclosures and key exclusions (if any) contained in the product brochure. For further details, including procedures for making claims and terminating policies and the full terms and conditions of this plan, please ask Prudential for a sample of the policy document.

Prudential has the right to accept or decline any application based on the information provided by the policyholder and/or life assured in the application.

Please cross your cheque and make it payable to “Prudential Hong Kong Limited”.

This document is for distribution in Hong Kong or Macau only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong or Macau. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong or Macau where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

 

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