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Prudential Enlight Savings Insurance Series

Last checked

At a glance

Insurer
Prudential Hong Kong Limited
Product category
Participating savings
Policy currencies
USD
Premium payment terms
5 years
Issue ages & basis
Issue ages & basis (2)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
1 year to 18 yearsEnlight: child at least 15 days old.
Age basis: Age next birthday
19 years to 46 yearsBaby Enlight: expectant mother; pregnancy week 20 or later.
Age basis: Age next birthday
  • Enlight and Baby Enlight share this series; 5-year premiums; Baby Enlight starts from pregnancy week 20.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

11 of 13 known · 2 not published · 0 not yet checked
What it pays and when

Benefit term: Whole lifePublic source · Checked:

Recorded features: Enlight and Baby Enlight share this series; 5-year premiums; Baby Enlight starts from pregnancy week 20.Public source · Checked:

Benefit limits

The premium-waiver benefit is capped at USD125,000 across this series for the same covered person.Public source · Checked:

Premium and payment term

Premium payment terms: 5 yearsPublic source · Checked:

How premiums can change

Changing the notional amount changes future premiums and policy values; the notional amount is not the death benefit.Public source · Checked:

Guaranteed / non-guaranteed

The plan combines guaranteed cash value with a non-guaranteed terminal bonus or dividend.Public source · Checked:

Waiting periods

The premium-waiver benefit has a two-year waiting period for eligible non-accidental death, counted from the latest applicable benefit-effective, registration-approval or reinstatement date stated in the brochure; accidental-death rules differ.Public source · Checked:

Main exclusions

Suicide within one year of the later of effectiveness or reinstatement limits the death benefit to the higher of premiums paid or surrender value, less amounts already paid and policy debt.Public source · Checked:

Surrender / cancellation

Early surrender or withdrawal may return considerably less than premiums paid.Public source · Checked:

Cooling-off

Cancellation notice must reach the insurer within 21 calendar days after delivery of the policy or its availability/cooling-off notice, whichever is earlier; follow the brochure’s written-notice requirements. For basic cover only; rider cancellation follows the attached policy.Public source · Checked:

Riders
not publishedDocuments checkedPublic source · Checked:
Claims steps

Insurer claims guide · Savings surrender / withdrawal

Savings surrender / withdrawal — Required documents: Financial Change form Part 4 covers withdrawal / cancellation; select payment instructions in Part 5.Public source · Checked:

Savings surrender / withdrawal — Payment methods: Part 5 lists HKD bank transfer, FPS, cheque, own-policy transfer and telegraphic transfer, subject to eligibility.Public source · Checked:

Savings surrender / withdrawal — Overseas claims / servicing: Telegraphic transfer requires the applicant’s own bank proof; bank fees, currency conversion and transfer limits apply.Public source · Checked:

Savings surrender / withdrawal — Assessment / payment timing: Telegraphic transfer normally takes at least 14 working days including Hong Kong and overseas days; banks may take longer.Public source · Checked:

Savings surrender / withdrawal — Steps: Use Part 4 for surrender / withdrawal, complete Part 5 payment instructions and sign the applicable declarations.Public source · Checked:

Policy servicing from abroad
not publishedDocuments checkedPublic source · Checked:
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Questions to ask before buying

Questions to ask before buying (5)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. Which riders are available, and what are their costs and terms?
  2. How can I service the policy from abroad, and what restrictions apply?
  3. Can you provide the key facts statement and policy provisions for this product?
  4. What is the cooling-off period, and how do I cancel during it?
  5. Which benefits and values are guaranteed, and which are not?
How the value of this kind of plan works

How the value of this kind of plan works

Read this before any illustration. It describes these plans in general; the policy contract decides.

Guaranteed part
Guaranteed cash value is specified in the contract. Early values are usually low; non-guaranteed values may change.
Non-guaranteed part
Dividends and bonuses depend on the insurer’s results and can be cut. Fulfillment ratios show past payouts.
Stopping early
Early surrender usually returns less than premiums paid. The break-even year depends on the individual illustration.
Currency
Values are paid in the policy currency. If you spend in another currency, exchange rates can add to or erase the return.
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

More product information from this insurer:

Prudential Entrust Multi-Currency Insurance Plan

Goals and audience categories described by product type

Insurers (14)
Similar products from other insurers

Similar products from other insurers

Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Participating savings

Source 4
Policy currencies

USD

Source 4
Premium payment terms

5 years

Source 4
Benefit term

Whole life

Source 4
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
1 year to 18 yearsEnlight: child at least 15 days old.
Age basis: Age next birthday
19 years to 46 yearsBaby Enlight: expectant mother; pregnancy week 20 or later.
Age basis: Age next birthday
Source 4
Recorded features

Enlight and Baby Enlight share this series; 5-year premiums; Baby Enlight starts from pregnancy week 20.

Source 4
Names in other languages
English
Prudential Enlight Savings Insurance Series
繁體中文
保誠啟耀未來儲蓄保險系列
简体中文
保诚启耀未来储蓄保险系列

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

Checked:

  1. Prudential Enlight Savings Insurance Series — official product page (en)

    Source date: Not confirmed

  2. 保誠啟耀未來儲蓄保險系列 — official product page (zh-hant)

    Source date: Not confirmed

  3. 保诚启耀未来储蓄保险系列 — official product page (zh-hans)

    Source date: Not confirmed

  4. Prudential Enlight Savings Insurance Series — public brochure

    Source date: Not confirmed / Page: 19