Limited
Offer
Premium Discount
Promotion
Golden Harvest RMB Endowment Plan IV Customer Promotion*
Offers you premium discount
Prudential understands your desire to accumulate wealth within a foreseeable period of time. We therefore introduce
the Golden Harvest RMB Endowment Plan IV, which offers you a guaranteed return upon policy maturity at the end of
the 5th year, allowing you to achieve your dreams with complete peace of mind.
Starting from 13 March 2014, if you successfully apply for Golden Harvest RMB Endowment Plan IV from Prudential, you will
enjoy a premium discount of 1.45%. Taking into account the premium discount, you may get a Guaranteed Maturity Benefit^
of 116.5% of the single premium paid, which means the rate of return is equivalent to 3.1% per annum approximately.
Illustrative Example (All figures are for illustrative purpose only)
Sum assured: RMB100,000
Total single premium: RMB100,000
Premium discount of total single premium: 1.45%
Before Premium Discount
After Premium Discount
RMB100,000
RMB98,550
101% of the sum assured or the
Guaranteed Cash Value payable at
the relevant time, whichever is higher
101% of the sum assured or the
Guaranteed Cash Value payable at
the relevant time, whichever is higher
RMB114,810
RMB114,810
Single Premium Paid
Death Benefit
Guaranteed Cash Value upon maturity
Guaranteed Maturity Benefit^
114.81%
116.50%
(as a % of the single premium paid)
(as a % of the single premium paid)
2.8%
3.1%
Average Rate of Return per annum
upon maturity
*　The sale of the Golden Harvest RMB Endowment Plan IV and premium discount is subject to a quota and is for limited time only. Please refer to the terms and
conditions for details.
^　The Golden Harvest RMB Endowment Plan IV is underwritten by Prudential. Guaranteed Maturity Benefit is calculated in RMB upon maturity of the policy (i.e.
the 5th policy anniversary). Early surrender of the policy before maturity will NOT enjoy the guaranteed return, but you will receive the Guaranteed Cash Value
payable at the relevant time. Early surrender of your policy may result in getting back considerably less than what you have paid in. Your investment is subject
to the credit risk of Prudential. Please refer to the policy terms and conditions for details.
Act now to enjoy this special offer!
Contact your consultant or call our Customer Service Hotline
2281 1333
www.prudential.com.hk
The above offers are subject to all relevant terms and conditions overleaf.
Always Listening. Always Understanding.
Prudential Hong Kong Limited (A member of Prudential plc group)
Terms and Conditions:
1.
Both the premium discount and Golden Harvest RMB Endowment Plan IV (“GHRMB4”) are subject to a quota and offered for
a limited period only. Prudential Hong Kong Limited (“Prudential”) reserves the right to withdraw either the premium
discount or the GHRMB4 from the market at any time at its sole discretion without prior notice, regardless of whether or not
the policy application has already been received.
(a) If the premium discount has been withdrawn during the offer period of GHRMB4 after Prudential receives a customer’s policy
application, the customer will be notified by Prudential and the customer has an option to continue/withdraw the application.
The customer is required to pay the total single premium without premium discount if he/she decides to continue the application.
Otherwise, Prudential will return the premium already paid by the customer in the original amount without interest.
(b) If GHRMB4 has been withdrawn after Prudential receives a customer’s policy application, Prudential will return the premium
already paid by the customer in the original amount without interest.
2. This premium discount promotion is effective on 13 March 2014. In order to qualify for the premium discount, customers must
successfully apply for and submit the completed application of GHRMB4 to Prudential while GHRMB4 is open for application.
Minimum Single Premium for GHRMB4 is RMB80,000. The premium discount will neither be offered to policy(ies) applied for on or
before 12 March 2014, nor to existing individual life insurance basic plan(s).
3. The premium discount is provided and counted on each eligible GHRMB4 policy.
4. The policy will mature on the 5th policy anniversary and the Guaranteed Maturity Benefit is calculated in RMB.
5. Death Benefit will be payable in the event of death of the life assured. The amount payable will be equivalent to 101% of the sum
assured or the Guaranteed Cash Value payable at the relevant time, whichever is higher.
6. No medical underwriting is applicable if the aggregate of total single premium of all designated single premium insurance plans,
including GHRMB4, does not exceed the maximum limit which is equivalent to HK$12,000,000 per life assured. (exchange rate will
be determined by Prudential at its sole discretion in case of currency conversion).
7. In case the cheque for single premium payment was rejected by the bank, the application will be rejected. The customer should
submit another application if the customer is still interested in the product. The acceptance of the new application and the
entitlement to any premium discount are subject to availability.
8. GHRMB4 is underwritten by Prudential and is subject to all its respective policy terms and conditions. For product information, please
refer to the relevant terms and conditions set out in the product brochure and specimen policy issued by Prudential.
9. Prudential reserves the right to change any terms and conditions of this customer promotion without issuing further notices. In the
event of any disputes, Prudential shall have the absolute discretion to make the final decision.
10. Prudential reserves the right of the final decision to offer any plans and on any disputes that may arise from this promotion.
Important notes:
Exchange rate and currency risk exposure
While Renminbi (RMB) is the plan currency, Prudential will accept premium payment either in RMB or in an equivalent amount of HKD
but pay out benefits/values under the policy in RMB only. Any fluctuations in the RMB/HKD exchange rate will have a direct impact on
the value of your benefits if any currency conversion between HKD and RMB is required. There is a risk that you could lose a substantial
portion of your benefit value after currency conversion from RMB to HKD, if the RMB depreciates substantially against the HKD when
a benefit becomes payable under the policy.
RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to restrictions specified by the
banks and regulatory requirements applicable from time to time. The actual conversion arrangement will depend on the restrictions
prevailing at the relevant time. In addition, customer should note that the currency exchange arrangement that needs to be made at the
request of the customer for converting the Maturity Benefit into other currencies is also subject to the relevant currency exchange
restrictions applicable at the time when the Maturity Benefit is paid.
Surrender/Early withdrawal risk
You should not apply for the plan unless you are fully prepared to hold your policy until maturity. Early surrender of the policy before
maturity will NOT enjoy the guaranteed return, but customer will receive the Guaranteed Cash Value payable at the relevant time. Early
surrender of your policy may result in you getting back considerably less than the amount you have paid in.
Credit risk
Your investment is subject to the credit risk of Prudential.
The product details and other relevant information listed above are for reference only. It does not constitute any contract or any part
thereof between Prudential Hong Kong Limited (“Prudential”) and any persons or entities. Prudential will be happy to provide a
specimen of the policy document upon your request.
This document is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or a
provision of any insurance product outside Hong Kong. Prudential Hong Kong Limited does not offer or sell any insurance product in any
jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.
MKTX/PF0135E(01/15)
This flyer is issued by Prudential Hong Kong Limited (A member of Prudential plc group).
Customer Service Hotline: 2281 1333
www.prudential.com.hk