Enjoy 5% Yearly CashBack - in Whichever Way You Like

PRUcash XPO is an endowment insurance plan available to those aged 18 to 35 (age next birthday). With PRUcash XPO, you can cultivate your wealth for a better future without delay while enjoying life. Each year, you will receive a Yearly CashBack equivalent to 5% of the sum assured starting from the end of the second policy year. In total, you will receive 120% of the sum assured (total Yearly CashBack plus Guaranteed Maturity Benefit) plus all potential bonuses over the policy term.

You will have full control over the usage of your Yearly CashBack. Whether it is to go travelling with your loved ones, buying yourself a gift, accumulating your Yearly CashBack to earn interest or even using it to pay for your future premium payments, PRUcash XPO allows you total freedom to decide how you spend your money.

Yearly CashBack Options

1. Withdrawal – take the money and realize your plans;
2. Accumulate interest with Yearly CashBack – you can accumulate the Yearly CashBack to enjoy interest ^#1 ; or
3. Pay for future premium payments – you can use your Yearly CashBack to pay for future premium payments by depositing into the Premium Deposit Account.

Earn Interest on the Yearly CashBack

The Yearly CashBack left with Prudential will earn interest. The current rate is 4.75% ^#2 per annum.


^#1 Interest rate is determined at the discretion of Prudential. In the event of non-payment of premium, the accumulated Yearly CashBack will be used to pay for premium due.

^#2 This rate is not guaranteed and can be adjusted by Prudential without notice.

• getting married;
• having a baby;
• buying a new home; and
• starting up a business.

Enjoy Extra Bonuses on Maturity

Apart from the accumulated Yearly CashBack, you will also have an opportunity to share Prudential's profits in life insurance business in receiving Reversionary Bonus ^#1 and Special Bonus ^#2, which will be declared annually starting from the 3rd policy anniversary onwards. The bonuses will be payable upon death or policy maturity and the Projected Maturity Value as a percentage of total premiums can possibly reach 179% ^#3.

^#1 Reversionary Bonus - The reversionary bonus once declared is guaranteed and increases the benefit payable to you. Any past accrued reversionary bonuses would not be affected by subsequent declarations.

^#2 Special Bonus - The special bonus is payable when claims are made and bonus rates would depend on the length of the policy and the investment returns at the time of payment. The special bonus is calculated as a percentage of the sum assured and total declared reversionary bonus. Please note that special bonuses do not form a permanent addition to the policy and may be reduced or increased at subsequent declarations.

^#3 This figure is calculated based on the sum assured of US$20,000 (PRUcash XPO 25) for a non-smoking male at issue age of 25 (age next birthday), accumulating the Yearly CashBack without withdrawal and is for reference only. The projection is based on existing bonus rates and is not guaranteed.

Enjoy Double Protections while Achieving Your Goal to Saving

PRUcash XPO is an endowment plan combining savings with life protection. No matter how many times you have received Yearly CashBack, in case of death happening while the policy is in force, a sum equal to the sum assured plus bonuses (if any) will be paid.

In addition, PRUcash XPO further extends your protection by providing an Accelerated Disability Benefit for FREE ^#1 . In case of total and permanent disability as a result of injury or illness before the life assured reaches age 69, 100% of the death benefit will be advanced to you.

Widen Your Safety Net with Optional Benefits

You may also add supplementary benefits to your PRUcash XPO in meeting your personal needs. PRUcash XPO offers a variety of benefit choices ranging from medical, accidental, investment and waiver of premium, which can suit your requirements along the different stages of your life.

^#1 The Free Accelerated Disability Benefit is only offered to life assured holding a Hong Kong Identity Card and residing in Hong Kong. Prudential reserves the right of the final decision to offer the benefit.