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Prime Ace Insurance Plan

Enjoy a guaranteed amount from day one, with the potential for quicker breakeven and earlier returns with just 3 years of premium payments.

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Limited offer

Enrol to enjoy up to a 12% Premium Refund, or a 6.5% p.a. Guaranteed Preferential Interest Rate on the prepaid premium when you prepay in a lump sum

Terms and conditions apply

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Benefits you can count on

Access wealth acceleration with flexibility
Craft a legacy that endures for generations

Enjoy potential high returns

Simply pay 3 years of premiums and enjoy a guaranteed cash value plus the potential for quicker breakeven and earlier returns
Tailor an income stream

Use the FlexIncome Option to set up annual or monthly payments — fixed or increasing — to support you or your loved ones

Pass on a lasting legacy seamlessly

Change who the plan covers (the “life assured”) as you wish, or appoint family members to take over the policy if the worst happens, ensuring your policy continues through generations
Put a backup plan in place

Use the Incapacity Option to appoint a family member in advance who will receive a lump sum or take over your policy, in case you are incapacitated due to Covered Diseases
Let your young child take full control at the right time

Name your young child (aged under 18) as the backup policyholder with the Interim Owner Option and choose when to let your child take over the policy
Split your policy for more possibilities

Use our Wealth-Split Option to create tailored legacy plans for each split policy, along with income payments
Safeguard your family for life

FlexLegacy gives you control over how and when your wealth is passed on, with payouts tailored to support your sole beneficiary’s needs even after you pass away.

Download documents

Product brochure

Download

Interim Owner Option Leaflet

Download

Death Benefit Settlement Option leaflet

Download

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Please also refer to our brochure on With-Profits plans for information (such as investment philosophy and bonus philosophy) on your With-Profits plan and the operation of a With-Profits 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.

Prime Ace Insurance Plan is underwritten by Prudential Hong Kong Limited (“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 only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

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