Life time protection.

Life time protection.

At its finest, life can feel as smooth as gliding across a dance floor with your beloved partner. But it takes good planning to keep steadily growing wealth and blissfully enjoy each moment. Citibank® understands you need a stable wealth plan that offers desirable returns. We are pleased to introduce to you AIA Simply Love Encore 2, which is underwritten by AIA International Limited (Incorporated in Bermuda with limited liability), just for you and your dearest. Allowing you the opportunity to accumulate wealth, you can make your plans come true and leave more time and energy to fully enjoy life.

Top reasons to get a AIA Simply Love Encore 2

  • Desirable potential returns allow the growth of wealth and a better life
  • Three premium payment period options allow you to manage your wealth flexibly

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  • Desirable potential returns allow the growth of wealth and a better life
  • Three premium payment period options allow you to manage your wealth flexibly
  • Accumulate potential wealth with relatively stable growth
  • Death Benefit3 for comprehensive coverage
  • A legacy of assets enabling your love to endure
  • Different currency choices for stable wealth management
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AIA Simply Love Encore 2 gives you desirable lifelong potential returns and ensures that your wealth keeps steadily accumulating. The potential returns of this plan are desirable and you may use your assets flexibly. With a simplified application procedure, medical examination is not required for the Insured1. You may have the opportunity to earn potential returns and enjoy good times with your family.

Plan AIA Simply Love Encore 2
Insured A 45-year-old male
Premium Payment Period 5 years
Annual Premium HK$400,000
Total Premiums Paid HK$2,000,000
End of Policy Year Annual Dividend Accumulations (a) Maturity Dividend (b) Guaranteed Cash Value (c) Total Cash Value (a+b+c) Total Cash Value / Total Premium Paid (%) Total IRR (%)
20 826,466 1,644,800 2,268,800 4,740,066 237% 4.90%
30 2,223,471 3,158,400 2,800,000 8,181,871 409% 5.15%


  • Hypothetical values for annual dividends and maturity dividend are used for the purpose of this illustration. The projected values of annual dividends and maturity dividend are based on the current dividend scales and are not guaranteed. The actual annual dividends and maturity dividend paid may change with the values being higher or lower than those illustrated.
  • The maturity dividend may be paid on death or surrender only if the Basic Policy has been in force for 10 years or more at that time.
  • The value in the column labelled "Annual Dividend Accumulations" is the sum of the previous year's hypothetical annual dividend accumulation (including interest accrued at the illustrated dividend accumulation interest rate of 3.50% p.a.) plus the current year's hypothetical annual dividend.
  • This illustration shows the effect of leaving projected annual dividends with AIA to accumulate interest. Actual dividend accumulation interest rates may vary for the duration of the Policy and may be less or more favorable than this illustrated rate.
  • This illustration assumes that no loans are taken throughout the term of the policy and that all premiums are paid in full when due.
  • The amount of total premium shown assumes that premiums are paid on an annual basis. The total premiums paid in any Policy Year will differ from the total premium shown if premiums are paid on a semi-annual, quarterly or monthly basis.
  • Total IRR is calculated based on Total Cash Value and the Total Premiums Paid of the relevant policy years.

AIA Simply Love Encore 2 provides three options of premium payment periods uniquely tailored to your personal financial needs and allow you to enjoy greater flexibility to plan.

Premium Payment Period Issue Age of Insured
Single Premium 15 days to aged 80
5 years 15 days to aged 80
10 years 15 days to aged 75

AIA Simply Love Encore 2 distributes non-guaranteed annual dividends and a non-guaranteed maturity dividend2 to increase your total savings returns. This plan lets you having the opportunity to continuously accumulate potential wealth as effortlessly as if you were dancing to your favourite song.

In the unfortunate event that the Insured passes away, a Death Benefit3 will be paid to the Beneficiary. The Beneficiary will receive guaranteed cash values or Premiums Paid4 (whichever is higher), plus any accumulated non-guaranteed annual dividend and any non-guaranteed maturity dividend2. AIA Simply Love Encore 2 also offers Accidental Death Benefit5 in the first year to give your family comprehensive protection.

The cash value accumulated in the Policy will be used for calculating the Death Benefit3 in order to increase the legacy amount for your loved one. You can even allocate your legacy to a designated Beneficiary, according to your wishes, ensuring that your love passes to the next generation.

Depending on your needs, you can choose US dollars or Hong Kong dollars as the Policy currency.

Minimum Premium Single Premium 5-Pay 10-Pay
Minimum Single Premium Minimum Annual Premium Minimum Annual Premium
US$5,000 / HK$37,500 US$1,500 / HK$11,250 US$1,000 / HK$7,500
Annual Dividend
Payment Option
Single Premium 5-year / 10-year
  • Cash payment
  • Dividend Accumulations
  • Cash payment
  • Premium Reduction
  • Dividend Accumulations
Suicide Clause Applicable to this product. For details, please refer to the Policy Contract.
Policy Loan While your Policy is in force, you may apply for a policy loan for an amount not exceeding the Cash Value.


  1. Subject to AIA’s prevailing rules and regulations, no medical examination is required for a new policy application if the total premium payable for the entire premium payment period for such products (as may be designated by AIA from time to time) does not exceed the requirement per life limit set by AIA.
  2. A non-guaranteed maturity dividend may be paid upon surrender of the Policy or death of the Insured, after the Policy has been in-force for 5 years (applicable to Single Premium)/10 years (applicable to 5-year and 10-year premium payment period).
  3. The Death Benefit may need to deduct Policy Debt (if any).
  4. Premiums Paid means the total amount of premiums paid to the basic plan calculated on an annual basis (applicable to 5-year and 10-year premium payment period) or on a lump sum basis (applicable to Single Premium).
  5. If the Insured unfortunately passes away due to accident within 12 months from the later of the Issue Date or Policy Date of the Policy, a Supplementary Accidental Death Benefit equivalent to Premiums Paid will be paid in addition to the Death Benefit. Subject to the limitation that the aggregate of Supplementary Accidental Death Benefit(s) paid and/or payable under all AIA Simply Love Encore 2 policy(ies) issued in respect of the same Insured cannot exceed the maximum sum of US$100,000/HK$750,000 per life.

Important Notes:Important Notes:

  • AIA International Limited ("AIA") is the insurance underwriter of this insurance plan and is solely responsible for all approvals, coverage and compensations of their insurance plans. AIA reserves the final right to approve any policy application. In case the policy application is declined, AIA will make full refund of the actual amount of premium paid by customer without interest. AIA shall assume full responsibility for the contracts of respective insurance plan.
  • The product is a life insurance product issued by AIA. This is a participating policy. The underwriting risks, financial obligations and support functions associated with the policies issued by AIA are its responsibility.
  • Insurance products are products and obligations of AIA and not of Citibank (Hong Kong) Limited.
  • In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between you and Citibank (Hong Kong) Limited out of the selling process of any insurance product by Citibank (Hong Kong) Limited as agent for AIA or the processing of the related transaction, you will enter into a financial dispute resolution scheme process with Citibank (Hong Kong) Limited in accordance with the applicable rules. However any dispute over the contractual terms of the product should be resolved between directly you and AIA.
  • Citibank (Hong Kong) Limited is acting as an insurance agent for AIA and its role is limited to introducing the insurance plans only and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the products provided. AIA is not a subsidiary or an affiliate of Citibank (Hong Kong) Limited, Citibank, N.A. or Citigroup Inc.
  • Citibank (Hong Kong) Limited being registered with the Insurance Agents Registration Board established by the Hong Kong Federation of Insurers, acts as an appointed insurance agent for AIA of the above insurance plan.
  • The principal place of business of AIA in Hong Kong: 12/F, AIA Financial Centre, 712 Prince Edward Road East, Kowloon.
  • All insurance applications are subject to AIA's underwriting and acceptance.
  • Unless otherwise specified, insurance products are not bank deposits or obligations of, or guaranteed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency.
  • The cases presented are not actual and for illustrative purposes only. They are not promise of future Policy performance. The Sales Illustration assumes that the currently illustrated non-guaranteed elements will continue unchanged for all years shown and no policy loan and withdrawal is made during the currency of the Policy. This is not likely to occur and actual results may be more or less favourable than those shown. All non-guaranteed elements are subject to change. No representation is being made that any Policy will or is likely to achieve gain or losses similar to these being shown. Coverage is subject to terms and conditions of the Policy. The Sales Illustration does not form part of the Policy Contract.
  • The accumulated interest rates, annual dividends and maturity dividend (where applicable) are subject to certain market factors etc. Past performance / record is not necessarily indicative of future result. The non-guaranteed elements are subject to change during the currency of the policy. Actual results may be more or less favourable than the illustrated figures.
  • The Plan is an insurance plan with a savings element. Part of the premium(s) will be deducted to satisfy applicable cost, fees and charges.
  • The savings component of the Plan is subject to risks and possible loss. Should you terminate the policy before maturity, you may receive an amount less than the total amount of premiums paid.
  • Applicable fees and charges (including but not limited to Cost of Insurance and premium charge) will be deducted from the policy value, where appropriate.
  • If you are not happy with this insurance plan, you have the right to cancel it within the Cooling-off Period and obtain a refund of any premiums paid provided that you have not made any claims under the policy. A written notice signed by you together with the policy must be received by AIA within the Cooling-off Period (that is, 21 days after the delivery of the policy or the issue of a Notice informing you/your representative about the availability of the policy and the expiry date of the Cooling-off Period, whichever is earlier). After the expiration of the Cooling-off Period, if you cancel the policy before the policy maturity date as set out in the policy document, the surrender value payable (if any) may be less than the total premiums you have paid.
  • The customer service hotline of AIA is (852) 2232 8808.
  • The policy currency of this plan offers US dollars (USD). For USD, any exchange rate fluctuation will have a direct impact on the amount of premium required and the value of your benefit(s) in Hong Kong dollars term. Any transaction involving currencies involves risks including, but not limited to, the potential for changing political and/or economic conditions that may substantially affect the price or liquidity of a currency. Policy owner should pay heed to the presence of the potential currency risks and decide which policy currency s/he should take.
  • All guaranteed elements (if any) and benefits of insurance policy are backed by the claims-paying ability of AIA. Policy guarantees and benefits are not backed by the broker and/or insurance agency selling the policy, or by any of their affiliates, and none of them makes any representation or guarantees regarding the claims-paying ability of AIA. AIA is responsible for its own financial condition and contractual obligations. Policy holders bear the default risk in the event that AIA is unable to satisfy its financial obligations under the insurance policy(ies).
  • The above information is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of this product. The precise terms and conditions of this plan are specified in the Policy Contract. Any information and statistics quoted from any external source cannot be interpreted as having adopted or endorsed by AIA as being accurate.
  • The above information should be used with the understanding that AIA and Citibank (Hong Kong) Limited are not rendering legal, accounting or tax advice. You are advised to check with your personal tax advisor for advice relevant to your circumstances.
  • The above information should be read along with the Sales Illustration, which includes additional information and important considerations about this product. You are reminded to review the relevant product materials provided to you and seek your bank financial consultant or independent advice if necessary.
  • For more details and clarification, please call your bank financial consultant or visit AIA website:
  • The above information is intended for reference only. Please refer to the Policy Contract of respective products of AIA for detailed terms and conditions.
  • In case of any discrepancy between the English and Chinese versions of this webpage, the English version shall prevail.
  • "AIA" or "AIA International Limited" herein refers to AIA International Limited (Incorporated in Bermuda with limited liability).