"Exquisite Privileges"

Terms & conditions

"Exquisite Privileges" (the "Promotion") is provided by Prudential Hong Kong Limited ("Prudential"). The promotion period is from 1 October to 31 December 2024, both days inclusive ("Promotion Period").
The Promotion is applicable to new policies applied through the Agency channel of Prudential in Hong Kong.

The new policy must meet all of the following requirements in order to be eligible for one of the privileges provided under this Promotion ("Eligible Policy").

the Promotion is applicable to any new application for a policy of any individual life insurance plans (except Investment-linked Assurance Schemes and supplementary benefits) issued by Prudential with its completed application form successfully submitted to Prudential within the Promotion Period ;
the policy must have been successfully issued by Prudential on or before 28 February 2025;
the policy must still be in force at the time of redemption of the relevant privileges;

the basic plan of the policy must meet the required Annualized First Year Premium ("AFYP") amount or its equivalent in other currencies (excluding Levy, if appliable) as set out below in order to be eligible for the following relevant privileges.

Exquisite Privileges	Privilege 1 LifeTaste Experience at Four Seasons Hotel Hong Kong	Privilege 2 Premier Experience at Four Seasons Hotel Hong Kong
Required AFYP Amount of the basic plan of each Eligible Policy	HK$1,000,000 or above and below HK$5,000,000	HK$5,000,000 or above

All the premiums and levy(ies) must have been fully settled when due.

Only the policyholder of the Eligible Policy (“Eligible Customer”) is entitled to the privileges under this Promotion. Each Eligible Customer can only enjoy the Promotion once. The Promotion is subject to limited quotas and available on a first-come-first-served basis whilst stocks last.
AFYP refers to the First Year Annualised Premium of the basic plan of the Eligible Policy. It shall be calculated as 10% of the single premium payment for a single premium policy or 100% of the annual premium for a regular premium policy. If the premium of the Eligible Policy is paid on a non-annual basis, its Annualized First Year Premium shall be the total amount of premium payments made in the first 12 months. For example, if the premium of the Eligible Policy is paid on a monthly basis, the respective Annualized First Year Premium shall be equal to 12 times the monthly payment.
The AFYP is calculated in Hong Kong dollars (HKD). For policies in other currencies, the exchange rates of AUD 1 to HKD 6, CAD 1 to HKD 6.5, GBP 1 to HKD 11, RMB 1 to HKD 1.2 or USD 1 to HKD 7.8 will be applied to determine the amounts in HKD.
For any alterations of the Eligible Policy after policy issuance (within or after the cooling-off period) which result in a reduction of premium payable within the premium term (including but not limited to a downgrade of plan level/ decrease in sum assured/decrease in notional amount/decrease in guaranteed monthly annuity or change of premium term), the privileges for the Eligible Policy will be totally forfeited without further notice. For any alterations of the Eligible Policy after policy issuance (within or after the cooling-off period) which result in an increase of premium payable within the premium term (including but not limited to an upgrade of plan level/ increase in sum assured/increase in notional amount/ increase in guaranteed monthly annuity or change of premium term), the increased portion of the increased premium will NOT be calculated in the AFYP. Notwithstanding the above, if there are any changes in the premium payment mode during the first policy year, as long as the basic plan of the Eligible Policy still meets the requirements of the relevant privileges for the Eligible Policy, the Eligible Customer can still enjoy the privileges. In addition, for any alterations after policy issuance (within or after the cooling-off period) and before the privileges are redeemed , the privileges for the Eligible Customer will be totally forfeited without further notice.
The Promotion cannot be used in conjunction with any other promotional offer apart from premium rebate offers.
The privileges redemption letter with usage details and relevant terms and conditions (including but not limited to those as stated below) will be issued to the Eligible Customer after the cooling-off period of the Eligible Policy on or before 30 April 2025. The privileges redemption letter will be sent to the email address as provided to Prudential by the Eligible Customer during policy application. Prudential is not responsible for verifying the email addresses submitted by Eligible Customers. The privileges are non-transferable/resalable, non-redeemable for cash, or exchangeable for other offers. Should there be any failure, delay or loss of delivery of the privileges redemption letter resulted from inaccurate/incorrect information submitted by the Eligible Customers, Prudential shall not be responsible or liable and will not re-issue the privileges redemption letter or extend the redemption period of the privileges.
If the services and/or products under the Promotion cannot be provided for any reason, Prudential reserves the right for replacement of the privileges while the value and types of the services and/or products under the privileges may not be the same as those as provided in this Promotion. In the event of any disputes, Prudential‘s decision shall be final and conclusive.
The privileges are provided by product or service suppliers who are independent third-parties. Privileges entitlement is subject to the terms and conditions of the relevant suppliers. Prudential is not the supplier of the products or services and is not the agent of such suppliers. Prudential shall not be responsible or liable for the quality, supply, or any consequences arising from the use of such products and/or services. In the event of any dispute, please contact the product or service suppliers directly to resolve the matter. Prudential and the product or service suppliers reserve the right to revise, suspend, or cancel the terms and conditions at any time without prior notice. Prudential and the product or service suppliers shall have the absolute discretion to make the final decision.
All policy applications are subject to the underwriting approval of Prudential. Prudential reserves the right to accept or decline any policy application.
Prudential reserves the right to amend the terms and conditions of the Promotion without prior notice. In case of dispute, Prudential’s decision is final and conclusive.
The terms and conditions of the Promotion are governed by the laws of the Hong Kong Special Administrative Region and the Hong Kong Courts have exclusive jurisdiction if any dispute arises.
If there is any conflict between the information contained in the promotional materials and the terms and conditions of the Promotion, the terms and conditions of the Promotion shall apply and prevail.
The individual life insurance plans are underwritten by Prudential Hong Kong Limited, and are subject to all the respective policy terms and conditions. For product information, please refer to the terms and conditions set out in the product brochure(s) and specimen policy(ies) issued by Prudential.
In the event of discrepancies in the terms and conditions between the English and Chinese versions, the English version shall prevail.

Key Terms & Conditions specific to the
"Four Seasons Hotel Hong Kong's LifeTaste Experience and Premier Experience" :

Four Seasons Hotel Hong Kong's Lifestyle Experience and Premier Experience" are not redeemable for cash, cannot be sold, is non-refundable and may not be used in conjunction with any other special offers or discounts provided by the hotel.
The privileges /services reservations must be made 14 days prior to arrival and please present the valid redemption letter upon arrival. Upon reservation, please quote the code on the privileges redemption letter.
Unless otherwise specified, all hotel privileges/services must be enjoyed by two guests (one of whom must be the Eligible Customer) simultaneously.
All hotel privileges/services can be used on separate days except for the "Aqua Luna Victoria Harbour cruise experience" and "Lung King Heen eight-course tasting dinner", which must be enjoyed on the same day; and the "sumptuous breakfast", which must be enjoyed on the check-out day after the "Luxury harbour view room accommodation".
The use and redemption of the privileges /services are subject to the terms and conditions stated in the privileges redemption letter. For more details, please refer to the terms and conditions as set out in the privileges redemption letter.
Reservations are subject to availability, black-out dates apply.
Lost or damaged privileges redemption letters will not be replaced.
Supplementary charges incurred at the hotel will be chargeable to the guest(s) based on actual consumption.
Four Seasons Hotel Hong Kong reserves the right to modify and interpret the terms and conditions of these privileges or make changes without prior notice.

Note:

The product details and other relevant information listed above are for reference only. It does not constitute any contract or any part thereof between us and any persons or entities (unless otherwise stated). Whether to apply for insurance coverage is your own individual decision. During the sales process, this flyer 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 will be happy to provide a specimen of the policy document upon your request.

This flyer 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.

This flyer is issued by Prudential Hong Kong Limited (Part of 2Prudential plc (United Kingdom)).