PRUlife Protector Insurance Plan II

Benefit term: Whole lifePublic source · Checked: 13 Oct 2026

Recorded features: Whole-life protection with guaranteed cash value and non-guaranteed reversionary and special bonuses.Public source · Checked: 13 Oct 2026

Optional supplementary benefits include accident, disability, critical-illness and medical cover, subject to their own age and underwriting rules.Public source · Checked: 13 Oct 2026

Accidental Death Benefit is capped at HKD1,000,000 across in-force plans for the same insured. Payor accidental-death protection has separate eligibility and caps.Public source · Checked: 13 Oct 2026

Premium payment terms: 5 years / 10 years / 15 years / 20 years / 25 years / 30 yearsPublic source · Checked: 13 Oct 2026

Whole-life protection with guaranteed cash value and non-guaranteed reversionary and special bonuses.Public source · Checked: 13 Oct 2026

Accidental death must occur within 90 days of the accident; the accident date must also satisfy the specified benefit window.Public source · Checked: 13 Oct 2026

Suicide within one year of the later effective or reinstatement date limits the death benefit to premiums without interest, less amounts already paid and policy debt.Public source · Checked: 13 Oct 2026

Early surrender or withdrawal can return considerably less than premiums paid.Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

Insurer claims guide · Life / death

Life / death — Required documents: Parts I / II, original death certificate and policy (or loss declaration), IDs and relationship / estate authority proof.Public source · Checked: 13 Oct 2026

Life / death — Assessment / payment timing: Preliminary death assessment: 5–7 working days from receipt; FPS instant on approval under the published pledge.Public source · Checked: 13 Oct 2026

Life / death — Submission channels: Post to P.O. Box 28058, Gloucester Road Post Office, Hong Kong, or submit through the financial consultant.Public source · Checked: 13 Oct 2026

Life / death — Payment methods: The published claims pledge offers instant FPS payment on approval.Public source · Checked: 13 Oct 2026

Life / death — Steps: Complete Parts I / II and submit evidence; present original death and identity documents when collecting the payment.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026