• The benefit is available to any person aged between 1 and 65 next birthday inclusive.
• Part of the premium is for insurance protection while the remaining is for savings with Investment options at your choice.
• The insurance protection for PRUlink assurance Basic Benefit is guaranteed up to age 65 irrespective of investment performance as long as you continue to pay your Basic Premium during the premium payment term.
• Two options for death benefit are available:
  - Aggregate Death Benefit : The sum of fund balance and sum assured will be payable
  - Level Death Benefit : The fund balance, or sum assured after deducting withdrawal, whichever is greater, will be payable.
• Should you choose Aggregate Death Benefit option, you can convert your policy to a with-profit plan before age 65.
• Optional Benefits
  Crisis Cover (CC) / Total & Permanent Disability (TPD) supplementary benefits on PRUlink assurance will follow the death benefit option. The amount of coverage is as follows:
  - Aggregate Death Benefit option:
  An advanced cash payment equivalent to sum assured for CC/TPD will be payable upon CC/TPD claim.
  - Level Death Benefit option:
  An advanced cash payment equivalent to death benefit multiplied by the ratio of sum assured of CC/TPD to sum assured of PRUlink assurance will be payable upon CC/TPD claim. After the claim, the fund balance will be reduced by the fund balance just before claim multiplied by the ratio.
  After CC/TPD claim, the sum assured of PRUlink assurance will be reduced by the sum assured of CC/TPD. (Please refer to the quotation insert on CC/TPD for detail of these supplementary benefits)
• Types of Premium
  - Basic Premium
  It is determined by your age, sex, class of risk and death benefit option. As long as you continue to pay your Basic Premium, the insurance coverage will be guaranteed up to age 65 irrespective of investment performance.
  - Top-Up Premium
  Lump sum or regular payment can be placed with us for investment purposes.
• Benefit Term is up to whole of life & Premium Term is up to age 100 next birthday.
• Types of Charges ^#1
  1. Policy Charges
  2. Investment Fund Charges
   

^#1 For details, please refer to "Charges" section in the Principal Brochure.

Note :
Investment involves risk. Please refer to the Principal Brochure of PRUlink assurance and the Summary Information for Investment Funds 　

• You can enjoy guaranteed life coverage up to age 65 if you continue to pay your Basic Premium. If you choose Aggregate Death Benefit you can have the flexibility to convert to a with-profit plan before age 65.
• Two death benefit options are available to suit your unique insurance needs.
• You can switch between Level Death Benefit option and Aggregate Death Benefit option at any time. The change from Level to Aggregate is subject to underwriting approval.
• You have full say in deciding which available internal investment fund(s) to join and switch between different funds depending on your investment preference. You can invest in one of the funds or a combination of them. For details of each fund, please refer to the Summary Information for Investment Funds.
• Partial withdrawal, with a minimum amount of US$100, at anytime is allowed for your own personal use, subject to a current minimum fund balance of US$100.
• You can change the level of your insurance coverage at anytime on the same policy to suit your changing insurance needs (any increase in Sum Assured is subject to underwriting approval), and to avoid the inconvenience of having multiple policies and different premium payment dates.
• If for any reason you are unable to meet your premium payment, you can temporarily halt the payment amount with a Premium Holiday without affecting your protection during the holiday, as long as the investment fund balance is sufficient to pay for the assurance charge and administration charge.
  If the investment fund balance is insufficient, the policy will automatically terminate.
• If you are not completely satisfied with the policy concerned, you have the right to change your mind. You would be entitled to a refund of any premium(s) paid#, provided no claim has been made under the policy, by sending us a written request together with the policy within the period specified below. The request must be signed by you and received directly by our Principal Office at 10/F, Cityplaza 4, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong within 21 days after your application date, 14 days after the date of issue of the policy or 5 days after the date of a notice informing you/your representative about the availability of the policy and the expiry date of the Cooling-off Period, whichever is later.
  # The refund of premium(s) paid will be subject to a deduction of the amount, by which the value of your investment has fallen at the time when your cancellation letter is received by us. The basis of calculation will be available for your reference upon request.
   
• With additional Premium, you can add a wide variety of popular supplementary benefits to cover you against medical expenses, disability, accident or major illnesses etc.

*As a consequence of the general nature of varied Investments, the yield from them may go down as well as up.
 

Note :
Investment involves risk. Please refer to the Principal Brochure of PRUlink assurance and the Summary Information for Investment Funds 　

* Please note that there may be differences between the unit issue price and the unit redemption price.

Q: What if I can't pay my premium?
A: If you are unable to meet your premium payment, you can temporarily stop paying premiums by requesting a Premium Holiday without affecting your protection, as long as there is sufficient investment fund balance to pay for the assurance charge and administration charge. If the investment fund balance is insufficient, your policy will lapse.

Q: Can I add other benefits for comprehensive coverage?
A: With a small additional sum of basic premium, you can add a wide range of supplementary benefits to cover yourself against medical expenses, dread diseases, total & permanent disability and accidents, etc. to suit your individual needs.

Q: What are the funds invested in this plan?
A: The Pacific (ex-Japan) Equity Fund, Global Equity Fund, Global Growth Fund, USD Bond Fund and Dragon Growth Fund are unitized funds aiming to provide medium to long-term capital growth, while the deposit fund - Money (US$) Fund - aim to provide more stable returns.
You can decide on what your investment objectives are and the amount of top-up premium you can afford to invest. You can invest in either one of the funds or a combination of them according to the risk-return scenario that suits you best.

* Please note that there may be differences between the unit issue price and the unit redemption price.
Note :
Investment involves risk. Please refer to the Principal Brochure of PRUlink assurance and the Summary Information for Investment Funds