Get Attractive Return Out of Your Premium
You can share Prudential's profit in life insurance business in the form of bonuses. From the third policy anniversary onwards, bonuses will be declared annually. There are two types of bonuses - the Reversionary Bonus and the Special Bonus.

• Reversionary Bonus
  The Reversionary Bonus will accumulate throughout the duration of the policy, allowing your policy value to grow with time. The bonus is guaranteed once declared and its cash value will be payable upon surrender of the policy.
• Special Bonus
  The Special Bonus will be payable on death. Cash value of Special Bonus will be payable upon surrender of the policy.

Advance Your Policy Benefit to Become Your Living Benefit
To extend the level of your protection, an Accelerated Disability Benefit is specially offered to you for FREE ^#2 . In the event of the life assured becoming totally and permanently disabled as a result of injury or illness, 100% of the death benefit will be advanced to you. With this free benefit, you will be provided with cash when you really need it in case of disability.

Enjoy Flexibility with a Wide Range of Premium Term Options
Achiever Life Assurance II provides a variety of premium terms for your selection, which allows you to match your premium payments to your individual financial requirements. The premium will also remain constant throughout the premium term.

Widen Your Safety Net with Optional Benefits
You can attach a wide range of supplementary benefits to your basic plan for protection against major diseases, accident and hospitalization. In addition, you can choose the Investment Plus to access investment opportunities with our investment funds.

Ensure Your Plan will be Continued Whatever Happens
It also provides a payor benefit option to life assured aged under 15. In case of unexpected illness or accident happening to the payor before the life assured reaches age 21, the policy will be unaffected by the payor's financial status.

Achiever Life Assurance II allows you to protect your family against financial uncertainties in case of unexpected mishaps.

We also provide a single premium product with similar features to suit different customers' needs. For details, please refer to the product information of Achiever Life Assurance II (Single Premium).

^#1 The death benefit will be reduced by 50% if the life assured dies before the age of 1. The death benefit will be reduced by 25% if the life assured dies at or after the age of 1 but before the age of 2.

^#2 The Free Accelerated Disability Benefit is only offered to life assured who is aged 16 (age next birthday) or above at policy issuance, holds a Hong Kong Identity Card and is residing in Hong Kong. Prudential reserves the right of the final decision to offer the benefit.