Product Description
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 Features |
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With PRUasset Series II, you may be able to achieve both your mid- and long-term financial goals with a single lump-sum investment. In the meantime, you will enjoy capital guarantee#1 (at the 5th policy anniversary) and potentially steady investment growth in one plan. Flexible Investment PRUasset Series II is a single premium whole life plan denominated in Hong Kong or United States Dollars, available to those aged 1 to 70 (age next birthday)#2. To take out the plan, all you need is only a lump-sum investment of HK$50,000 / US$6,500 or above. Smoothing Investment Strategy Through a "smoothing" bonus system process, PRUasset Series II offers potentially steadier returns over periods in which economic and investment market conditions fluctuate. 100% Capital Guarantee (at the 5th policy anniversary) PRUasset Series II guarantees to give you the single premium paid less total withdrawals made in the past#1 as a minimum return on the 5th policy anniversary. Protect Your Money Against Mishaps Your beneficiary will be entitled to a death benefit equal to 101% of the sum of the total value of policy account and Growth Bonus (if any). Withdrawal Procedure of withdrawals is simple. Yet Redemption Charge will apply to any withdrawal during the first 5 years and a Market Value Adjustment may also apply at any time. Fees and Charges You do not need to pay for any upfront charge#3. Redemption Charge may be incurred to the plan only if you make a withdrawal within the first 5 policy years. #1 Prudential guarantees to give you the single premium paid less total withdrawals made in the past (subject to any Redemption Charge and Market Value Adjustment applied to such withdrawal) as a minimum return on the 5th policy anniversary. Prudential reserves the right to apply a market value adjustment on withdrawals at any time (to the extent of the capital guarantee). For details of Market Value Adjustment, please refer to the sections of "About MVA" in the website and "Market Value Adjustment" in the respective Principal Brochure. #2 PRUasset Series II is also available to ages between 71 and 89 (age next birthday) with different Death Benefit. For details, please refer to the "Supplement to the Principal Brochure for PRUasset Series II for Life Assured Aged 71 and 89 (age next birthday) at Policy Issuance". #3 Prudential reserves the right to impose other charges for administering the policy after giving 3 months' prior notice. Note: Investment involves risk. Please refer to the Principal Brochure of PRUasset Series II for details. |
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| Double Bonuses |
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You can share the profits from the plan's underlying investments by bonus additions. There are 2 types of bonuses providing potential returns to you, which are: |
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| Annual Growth Reward |
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From the 6th policy anniversary onwards, an Annual Growth Reward of 0.2% of your policy account value will be credited to your policy every policy year provided that you have made no withdrawal during the relevant policy year. It will gradually help your investments to appreciate. Note: Investment involves risk. Please refer to the principal brochure of PRUasset Series II |
| Extra Allocation |
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Up to 2% of your initial investment will be immediately credited to your PRUasset Series II policy account if your single premium paid falls within one of the following ranges:
#5 Capital guarantee on the 5th policy anniversary does not apply to Extra Allocation. If the policy is cancelled within the cooling-off period, you will not be entitled to Extra Allocation. Note: Investment involves risk. Please refer to the principal brochure of PRUasset Series II for details |
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| About MVA |
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Market Value Adjustment (MVA) ensures that you will receive your fair share of the divisible profits and that the value of your continuing investment in the policy is not affected by other investors making massive withdrawals or in the event of asset values falling dramatically and the value of the underlying assets is less than the value of the plan. MVA may apply at any time, including the date of the 5th anniversary to the extent of the capital guarantee, to reflect the current market value of the underlying assets. MVA, when applied, reduces the surrender value to reflect fairly the movement in assets underlying the plan. Please refer to the section of "Market Value Adjustment" in the respective Principal Brochure and the "With-Profits Leaflet" in its appendix for further details. Currently, no MVA has been applied since the launch of PRUasset Series II in April 2005. However, past performance does not in any way represent nor imply future performance of this plan. Prudential reserves the right to apply MVA as determined by us on withdrawals in accordance to the period you have invested and the investment market condition. Note: Investment involves risk. Please refer to the principal brochure of PRUasset Series II for details. |
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prudential
Company Introduction
Academic Achievements Bachelor and Master Degree in Economics Professional Qualifications FCCA AHKSA United States Life Insurance Institute Fellow Member Work Experience Trained with KPMG Peat Marwick UK 15 years financial controllership in international corporations and regional office Specialized in accounting, personal income tax and trust management. Expert consultant in insurance financial planning
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