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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 the plan with a 5-year premium term to enjoy a premium refund of up to 19%#. And when paying the premiums in a lump sum, you can enjoy a limited-time double reward equivalent to a total of up to 60%# of the first year annual premium

 

Terms and conditions apply

Learn more
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 19% (including the 2% extra premium refund if the customer takes out any plan under Prudential Enlight Savings Insurance Series at the same time), plus a reduced upfront premium payment with a guaranteed preferential interest rate, which is equivalent to up to 41% of the first year annual premium.

Promotion video (Hong Kong Edition)

Unleash your children’s potential

Want to empower your children to dream their biggest dreams anywhere in the world? Discover how this plan can help you build secure financial foundations to support your family

 

See this flyer (Hong Kong Edition / Macau Edition)

Watch this video (Hong Kong Edition / Macau Edition)

Unleash your children’s potential

Unlock financial freedom

Want to explore the world, realise your ambitions or enjoy your retirement? Discover how this plan can help you unlock financial freedom

 

See this flyer (Hong Kong Edition / Macau Edition)

Watch this video (Hong Kong Edition / Macau Edition)

Unlock financial freedom

Create lasting family prosperity

Want to build a global legacy that prospers beyond generations so your family can thrive? Discover how this plan can help you personalise your legacy planning for your family

 

See this flyer (Hong Kong Edition / Macau Edition)

Watch this video (Hong Kong Edition / Macau Edition)

Create lasting family prosperity

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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Watch this video

Unleash your children’s potential

Benefits you can count on

Establish a long-term income for your loved one

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    Enjoy potential high returns

    Simply pay 3 or 5 years of premiums and your wealth will grow through a guaranteed cash value, non-guaranteed reversionary bonus and terminal bonus

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    Create an income for your loved ones

    Use our FlexIncome Option to set up annual or monthly income payments of fixed or increasing amounts to create an income stream for you or your family

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    Change policy currency flexibly

    Take out your plan in USD, HKD, RMB, AUD, CAD or GBP, and switch flexibly using the Currency Change Option to best suit your future plans 

    Find out more about the Currency Change Option

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    Retain control of your gains

    Lock in your Terminal Bonus to protect it from market uncertainty, or unlock it to capture growth potential. You can also withdraw the lock-in amount anytime you need it

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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

Plan your legacy with full flexibility

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    Distribute your wealth flexibly

    Use our Wealth-Split Option to create tailored legacy plans for each split policy, along with different currencies and/or income payments

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    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 and/or become the new life assured in case the worst happens, ensuring your policy continues through generations

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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

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    Safeguard your family through life

    [New-to-market] Enhanced FlexLegacy, a death benefit settlement option, gives you total control over how and when your wealth is passed on. You can tailor the death benefit payout to your sole beneficiary’s needs, supporting them even in your absence. 

    Explore application examples of the Death Benefit Settlement Options

 

Our statement about the plan’s FlexLegacy being “new-to-market” refers specifically to its feature allowing the commencement of death benefit payments upon designated life events rather than solely upon a designated age. 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 30 November 2025.

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.

Tax deductions on your qualifying premiums

Dedicated value-added services

You can know more about a variety of value-added services to suit your different needs. For details you may check out the pages below:

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, or changing the life assured or 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.

Prudential Entrust Multi-Currency Plan is underwritten by Prudential Hong Kong Limited or Prudential Hong Kong Limited (Macau Branch) (“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 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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