Whole Life Savings | Savings Insurance

Evergreen Wealth Protector

Build wealth for you and your family's future with cancer protection

Limited offer

3-year short premium term option

Terms and conditions apply

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Product Brochure

Evergreen Wealth Protector (Hong Kong Edition)

Evergreen Wealth Protector (Macau Edition)

Lifelong wealth accumulation

Savings growth comes from a guaranteed cash value and non-guaranteed Terminal Dividend

Access your savings to meet financial needs

You can access the cash value of your plan or borrow up to 80% of its guaranteed cash value

Pass down wealth and protection

You can change the life assured as many times as you wish and pass policy down the generations or to your key employees

Additional lump-sum cover for Cancer

If the life assured is diagnosed with Cancer, we will pay an additional lump sum of up to 60% of the notional amount as a major cancer benefit

Extra Features

Different death benefit settlement options to safeguard your family

If the life assured passes away, we will pay a death benefit with a minimum guaranteed amount of 105% of the total premiums you paid, 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

Unemployment benefit or premium break cancer benefit

You can defer your premiums for a maximum of 365 days within the plan’s premium term if you become involuntarily unemployed in Hong Kong for at least 30 consecutive days and are aged 19 to 65 age next birthday; or if the life assured is unfortunately diagnosed with cancer while the Major Cancer Benefit is still in effect.

No need for medical examination

Only simple health declaration is required to enrol the plan.

Treatment Sure

Value-added service

Treatment Sure is a professional, independent and personalised medical advisory service.

This service, provided by our designated service provider, offers you:

Global expert’s second medical opinion
Medical concierge service for overseas treatment
Dedicated physician case managers who speak your language and guide you through your entire medical journey to recovery

Find out more about Treatment Sure service

Note: Treatment Sure service does not form part of the plan.

Treatment Sure service is provided by our designated third party service provider. We maintain sole discretion to change the scope of the service and the service provider from time to time without advance notice. We may also cease and/or suspend the service at our sole discretion.

Learn more

Important information

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.

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 the relevant product brochure and policy document and read carefully.

Notes

Evergreen Wealth Protector 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 this document. 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 or Macau only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong or Macau. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong or Macau where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.