Prudential Enlight Savings Insurance

Prudential Baby Enlight Savings Insurance

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 Prudential Enlight Savings Insurance Series offers 2 plans: Prudential Enlight Savings Insurance and Prudential Baby Enlight Savings Insurance. With just 5 years of premiums, the series helps build a guaranteed savings fund, long-term growth potential and lifelong protection for your child, supporting their education, financial needs and legacy planning. Prudential Baby Enlight Savings Insurance is also a [First-in-market²] plan that can be taken out as early as the 20^th week of pregnancy.

For Prudential Enlight Savings Insurance, the issue age of the life assured is 1* to 18 (ANB). For Prudential Baby Enlight Savings Insurance, the expectant mother — as the life assured — must be at the 20^th week of pregnancy or more at application, with an issue age of 19 to 46 (ANB). Before the baby is born, the life assured is the expectant mother; after birth, the life assured changes to the child. The Prudential Enlight Savings Insurance Series is a USD policy with a 5-year premium term.

*The life assured must be at least 15 days old when the proposal document is signed.

While the policy is in force, the series pays a one-off, [Highest-in-market³] guaranteed cash coupon of 105% of the notional amount on the 18^th policy anniversary, regardless of market fluctuations. It can be used for university undergraduate or postgraduate study, starting a business or paying the mortgage. The Death Benefit will not be reduced after the coupon payout, and you may alternatively leave the coupon in the plan's accumulation account to earn a non-guaranteed interest.

From the 18^th policy anniversary, with just a simple instruction, you can set up automatic annual or monthly withdrawals from the policy value, paid directly to your named recipient for a period of your choosing, such as your child or a university.

What’s more, you can opt for fixed or increasing payments to cover living expenses, all-round child development needs, university tuition or special education needs (SEN), to cater to your changing financial needs or just to stay ahead of inflation. You can change the instruction or the recipient as many times as you wish, as long as there is only 1 instruction in place at a time. Take full charge of how to use your wealth – the amount, payment period and recipient. The choice is yours.

If you name your young child (aged under 18) as the succeeding owner and/or the designated owner under the Incapacity Option – Ownership Transfer, the Interim Owner Option — the [Most comprehensive solution¹] in the market — lets you also appoint an adult interim owner. If you unfortunately pass away or become incapacitated due to a Covered Disease, the interim owner can temporarily manage the policy with the limited policy rights you grant, until your succeeding owner and/or designated owner reaches your specified date, age or life event (for example, graduating from university, getting married, giving birth or relocating to a different city) and becomes the new policyholder with full policy rights (they must be aged 18 or above when they take over).

Through the Guaranteed Insurability Option, after reaching adulthood, the child may apply for a new whole-life plan with cash value without providing health information at designated timepoints: when the guaranteed cash coupon is paid, or at age 25, 30 or 35. The new policy can provide life cover up to 3.6 times the notional amount of the prevailing policy.

If the policyholder or their spouse unfortunately passes away during the premium term, the Family Premium Waiver will waive the future premiums of the basic plan, allowing the child’s protection to continue. This benefit requires only simple registration with no additional underwriting. A 2-year waiting period applies, except for death caused by an accident, and the premium waiver amount under all in-force policies of this series for the same covered person is capped at USD 125,000.

The Academic Success Award under the Prudential Enlight Savings Insurance Series celebrates your child's academic achievements. Eligible achievements include General Certificate of Secondary Education (GCSE), Hong Kong Diploma of Secondary Education (HKDSE) (applies to HK version), Secondary Graduation Examination in Macau (applies to Macau version), General Certificate of Education Advanced Level (GCE AL), Advanced Placement in the U.S. or Canada (AP), Australian Tertiary Admissions Rank (ATAR), Test of English as a Foreign Language (TOEFL), International English Language Test System (IELTS), International Baccalaureate Diploma Programme (IBDP), Mainland Gaokao, SAT, ACT, and admission to any of the world's top 20 universities. Award amounts range from USD 250 per qualifying subject up to USD 5,000 (for admission to any of the world's top 1–3 universities). The award can be claimed only once under all in-force policies of the series covering the same life assured.

With just 5 years of premiums, the Prudential Enlight Savings Insurance Series helps build a guaranteed savings fund for your child, with long-term growth potential and lifelong protection. In particular, Prudential Baby Enlight Savings Insurance can be taken out [First-in-market²] as early as the 20^th week of pregnancy.

Key advantages:

• [Highest-in-market³] Guaranteed cash coupon: a one-off payout equal to 105% of the notional amount on the 18^th policy anniversary
• Lifelong protection: a Death Benefit of at least 180% of the notional amount
• FlexIncome Option: creates a flexible income stream
• Academic Success Award: recognises your child’s academic achievements
• Guaranteed Insurability Option: allows your child to take out additional coverage at key life moments without providing health information
• Family Premium Waiver: safeguards your family’s financial safety net
• [Most comprehensive solution¹] Interim Owner Option: ensures seamless policy transfer to a young child

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.