Prime Eternity

Crafting Prime Eternity wealth begins with a single premium: Seamlessly grow, access and pass on your wealth for generations to come

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Product Brochure

Prime Eternity (Hong Kong Edition)

Prime Eternity (Macau Edition)

Start growing your wealth with just a single premium

When your policy starts, the guaranteed cash value of your policy will be equal to 85% of your single premium, and it will grow along the policy years. Plus, the Non-guaranteed Terminal Dividend helps you accumulate wealth

Pass on a lasting legacy seamlessly

Appoint, change or remove the succeeding owner and contingent life assured as many times as you wish. Continue the policy if the worst happens and keep it growing. Change the life assured as many times as you need while protecting your legacy through the generations

Split your policy to spread your wealth flexibly to loved ones with the Wealth-Split Option

Safeguard your family if unfortunate events happen

<New-to-market> Add a new Death Benefit Settlement Option to advance future monthly instalments in a lump sum to your beneficiary when they reach a certain age or life event such as getting married or giving birth, enabling you to protect your family in a flexible way.

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

Incapacity Option for family’s financial relief

A lump-sum amount is paid to your designated family member in advance for immediate financial relief if you unfortunately become mentally or physically incapacitated through any of the covered diseases

Family life

Want to flexibly pass on financial legacy to your family and extend your love across generations? Discover how this plan can help your wealth grow with your family

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Single

Want to flexibly pass on financial legacy to your loved ones and safeguard their future, while giving back to society? Discover how this plan can distribute your wealth seamlessly according to your wishes

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Extra features

Dividend Lock-in Option

To lock-in your policy’s gains, we designed the Dividend Lock-in Option to realise your Terminal Dividend for your peace of mind. You can lock-in part of your non-guaranteed Terminal Dividend to a Dividend Lock-in Account and earn interest. You can also withdraw the money from the account anytime you need it.

Kindness Giving option

Nominate the charities you care about as beneficiaries and designate a percentage of the death benefit you wish to donate. When you do, we will pay an additional 1%* of that amount to further support your charitable contributions.

* Kindness Giving option is subject to a maximum aggregate payment of USD100,000 per policy, and shall be payable to a non-governmental organisation or charitable institution recognised by us.

We base our statements about the option of our plan being “new-to-market” on our understanding and interpretation of current market information, by comparing with other publicly available life and savings plans providing lump sum benefits issued by major Hong Kong life insurance companies for individual customers as at 24 July 2024.

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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.

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

Prime Eternity 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 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.