Evergreen Wealth Income Plus

With just 3 or 5 years of premiums, get a monthly income for you or your family today as well as life cover, then pass it on with a legacy to future generations tomorrow

Limited offer

Enjoy up to 20% premium refund with 5-year payment option

Terms and conditions apply

Learn more

Product Brochure

Now, as you hold your grandchild for the first time, do you ever dream of providing a steady income that supports not only your retirement but also benefits your children and grandchildren? How about leaving a meaningful legacy for the generations to come, all while enjoying continuous income together?

Click the Quick Guide Leaflet to know more.

Both guaranteed and non-guaranteed monthly income for better financial liquidity

From the end of the following policy month after the end of the premium term, we pay you a Guaranteed Monthly Income equal to 1.008% of the notional amount divided by 12 for 50 years. We also give you a Non-Guaranteed Monthly Income starting from the end of the following policy month 2 years after the end of the premium term until the end of the benefit term, bringing you a monthly income^* up to 4.008% of the notional amount divided by 12

Pass on your wealth and the monthly income to your loved ones

You can keep your wealth and monthly income flowing down the generations by changing the life assured. You can do this as many times as you wish – after the end of the 1st policy year and during the lifetime of the current life assured until the end of the benefit term

Distribute your wealth flexibly as your family grows

You can separate your policy into several policies by exercising the Wealth-Split Option and pass those policies together with the monthly income to your loved ones as meaningful gifts that can last for the generations to come

Protect your legacy seamlessly to last through the generations

Choose a loved one as the contingent life assured under your policy to ensure your legacy lasts. You can appoint, change or remove the contingent life assured as many times as you wish

^* The monthly income consists of the Guaranteed Monthly Income and the projected Non-Guaranteed Monthly Income. The benefit term is up to the policy anniversary when the first life assured reaches 151 (age next birthday).

Extra features

Different death benefit settlement options to safeguard your family

If the life assured passes away, we will pay at least 100% of your total premiums paid as a Death Benefit, less any outstanding loans and interest.

You can choose how you would like us to pay the death benefit while the life assured is still alive through the Death Benefit Settlement Option; as a lump sum, in monthly instalments or a mix of both.

Please refer to here for more details of the Death Benefit Settlement Options

Learn More

Important Information

Please also refer to our brochure on Shareholder-backed Participating Plan 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 options are subject to our approval. Some benefits or options will be affected once you exercise the above options, change the life assured or policyholder.

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.

Notes

Evergreen Wealth Income Plus is underwritten by Prudential Hong Kong Limited (“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 brochure 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 this brochure. For further details 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 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.