HKD500 premium refund for new customer who submits an online appointment and successfully takes out a plan in Hong Kong

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LiveFree Protector
Life Protection | Life Insurance

LiveFree Protector

Go full speed ahead in life
Enjoy up to 15% premium refund for Hong Kong customers, and up to 10% premium refund for Macau customers
Terms and conditions apply

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

Eligible Life Insurance Plan


LiveFree 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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Extra features

Extra features

Supplementary benefits to enhance your protection

You can choose from a range of supplementary benefits to enhance your protection against critical illness, extra medical expenses, and disability as well as accidents.

Choice of single, 5, 10, 20 or 30 years term in USD

You can pay your premium for 5, 10, 20, 30 years or as a single lump sum - whichever fits your financial situation best.

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Important information

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.  

Important notes for Policy Reverse Mortgage Programme ("PRMP")
(applicable to policy issued in Hong Kong only)

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:


LiveFree 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 this document. 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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