Our Bonus Philosophy

Policyholders of the Shareholder-backed Participating Plans shall enjoy a fair share of the relevant experience of the Fund through the addition of non-guaranteed bonus. We aim to protect all policyholders’ respective rights and reasonable expectations by providing payments that are fair between different groups of policyholders. While the value of the Plan is mostly affected by the overall performance of the Fund, smoothing may be applied to produce a more stable return over the long-term.

Introduction to Shareholder-backed Participating Plan

Please refer to our brochure 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.

List of Shareholder-backed Participating Plans

The following list shows the Shareholder-backed Participating Plan products provided by Prudential. It will be updated from time to time in accordance with the currently available Shareholder-backed Participating Plan products. For further details, please contact your consultant.

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* The total cash value ratios are for reference only, assuming no changes to the policy, and should not be regarded as indicators of the future performance of the participating products. The actual total cash value ratios in future may be lower or higher than the past total cash value ratios shown.