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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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Limited offer

Enrol to enjoy a premium refund of up to 17%. And when paying the premiums in a lump sum, you can enjoy a limited-time double reward of up to 58%# of the first year annual premium

 

What’s more, when you enrol in one of our selected critical illness/medical/savings insurance plans at the same time, we will reward you with an additional premium refund of up to 20% on these plans as well

 

Terms and conditions apply

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Limited Offer

#Customers must select the premium prepayment option and pay the premiums in a lump sum. The reward consists of the premium refund of up to 17%, plus a reduced upfront premium payment with a guaranteed preferential interest rate, which is up to 41% of the first year annual premium. 

A promise of guaranteed financial security and lifelong protection for your unborn child

Every parent wants their child’s future to be secure. Yet the future is always uncertain. So, how can we truly give them a guarantee?

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Evergreen Growth Saver Plus II | Prudential HK

Continue your policy seamlessly and pass on your wealth with ease to protect your loved ones regardless of age

Understand how the [Most comprehensive solution] Interim Owner Option enables you to name your young child as the backup policyholder

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Evergreen Growth Saver Plus II | Prudential HK

Benefits you can count on

Fulfil your commitments

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    Give your child a head start in life

    [First-in-market] Whole-life insurance plan from the 20th week of pregnancy

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    Champion your child’s ambitions 

    [Highest-in-market] one-off guaranteed cash coupon on the 18th policy anniversary

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    Reward your child’s academic excellence

    From top exam scores to world-class university admissions - with up to USD 5,000

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    Tailor an income stream with the FlexIncome Option

    Create an income stream for your child to show your support

Safeguard your commitments

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    Protect your loved ones with the Family Premium Waiver

    Keep your child’s safety net intact if the unexpected happens to you or your spouse

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    Keep your policy growing and safeguard your family

    Name a backup policyholder to take over your policy if the worst happens

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    Put a backup plan in place with the Incapacity Option

    Appoint a family member to receive a lump sum or take over your policy, in case you are incapacitated due to covered diseases

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    Let your young child take full control at the right time

    Name your young child (aged under 18) as the backup policyholder with the [Most comprehensive solution] Interim Owner Option and choose when to let your child take over the policy

Extend your commitments

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    Whole-life protection to safeguard your family

    The Death Benefit will not be reduced after the guaranteed cash coupon payout, so the life protection can stay on track

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    Guaranteed option to take out a new whole-life insurance plan with cash value

    Allow your child to use the Guaranteed Insurability Option to take out a new whole-life insurance plan with higher life coverage at specific timepoint, without needing to provide any health information

 

We base our statement about the feature of our plan being “first-in-market” on our understanding and interpretation of current market information, by comparing with other publicly available non-critical illness whole-life insurance plans issued by major Hong Kong and Macau life insurance companies for individual customers as at 24 December 2025.

The above description of “highest-in-market” refers to the total guaranteed cash coupon payout as of the 18th policy anniversary. We base our statement on our understanding and interpretation of current market information, by comparing with other publicly available whole-life savings plans with cash payment issued by major Hong Kong and Macau life insurance companies for individual customers as at 24 December 2025. The above explanation is based on a 5-year payment term, a USD policy with a total premium of USD 50,000, and assumes no policy changes have been made.

Our statement about the plan’s Interim Owner Option being "the most comprehensive solution" refers specifically to its feature allowing an interim owner temporarily manages the policy for the minor succeeding owner or designated owner if the policyholder passes away or becomes incapacitated, while also enabling succession at a specified date, specified age, or occurrence of designated life event. We base the statement on our understanding and interpretation of current market information regarding other publicly available savings and life insurance plans issued by major Hong Kong and Macau life insurance companies for individual customers as at 24 December 2025.

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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.

Applications for exercising the above benefits or options, especially changing the policyholder, are subject to our approval and may affect the plan’s other benefits or options.

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.

The plans in this Prudential Enlight Savings Insurance Series are underwritten by Prudential Hong Kong Limited or Prudential Hong Kong Limited (Macau Branch) (“Prudential”). You can always choose to take out these plans as a standalone plan without enrolling with other type(s) of insurance product at the same time, unless such plans are 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 these plans 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 these plans, 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 and Macau only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong and Macau. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong and Macau where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

 

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