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Limited offer

Enrol to enjoy a premium refund of up to 29%. And when paying the premiums in a lump sum, you can enjoy a limited-time double reward of up to 70%# 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 29%, 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 to have a bright and secure future. But with so many unknown ahead, how can you truly protect them and guaranteed them financial security from day one through every life stage?

Pass on your wealth effortlessly with seamless policy continuation for your loved ones, no matter their age

The Interim Owner Option provides the most comprehensive solution1 in the market, enabling you to name your young child as a backup policyholder, and ensuring smooth policy transfer and continuous protection for your loved ones

Benefits you can count on

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    Give your child a head start in life

    First-in-market2: Whole-life insurance plan from the 20th week of pregnancy

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    Champion your child’s ambitions

    Highest-in-market3: 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

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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

    Most comprehensive solution1: 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

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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

Download documents

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.

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.

1Our 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.

2We 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.

3The 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.

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