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Life Insurance

Education Planning

Building a bright future with our children starts with the right plan. Certain insurance plans will help you save for your child’s education fund with guaranteed cash payments. Pick from the plans below to get started

34% of people have no idea how to start saving for their children's education 1
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Start by finding out how much you need

  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How much have you currently saved and within what time frame do you want to achieve your savings goal

HK$
HK$
  • The “first pot of gold” has risen from HK$2 million to HK$2.4 million4,5
  • The 3 most important savings goals are to travel around the world, own an apartment and retire early4,5
  • People hold almost 60% of personal assets in cash and deposits but these assets do not keep pace with inflation4,5
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How are you planning for your children's education

HK$
My child is
  • 90% of parents aim to support their children through university1
  • Parents plan to save HK$440,000 per child1
  • Parents have a gap of 60% between their initial savings goal and the actual cost of education1
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How much life insurance do you already have?

HK$
  • 74% of people are concerned about the risk of heart disease and cancer6
  • 74% of people feel their health is not as good as it was five years ago6
  • The main source of stress are work pressure (77%); financial worries (75%); managing family needs (72%)6
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How much have you set aside for your retirement?

HK$
  • 65% of people are not confident that they will achieve their desired retirement goals2
  • The average retirement age for people in HK is 61 years old2,3
  • The median desired spend after retirement for people in HK is HK$13,386 per month2
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

Tell us about yourself

1. Whats your gender?
2. Is your spouse currently working?
3. How old are you?
4. What is your monthly income?
HK$
5. How many dependents rely on you, excluding children

Ammount needed for HK$ 24,000,000

Total Gap: HK$ 24,000,000

Savings Gap

Education Gap

Life Protection Gap

Retirement Gap

You’re looking to build the future you dream of. Our advisors are ready to help you achieve it.

  • 75% of people do not seek help from a financial advisor to formulate an investment or retirement plan7
  • Almost 70% of people have no idea about their investment returns7

Wealth Accumulation with Secure Attractive Returns


AIA Forever Love Coupon Plan 3 is a participating insurance plan that provides you guaranteed cash value, guaranteed cash payments, non-guaranteed Annual Dividends (if any) as well as non-guaranteed Terminal Dividend (if any).

Key Features

  • Success Stable and long-term income
  • Success Accumulate wealth with guaranteed cash value, guaranteed cash payments, non-guaranteed Annual Dividends (if any) and one-off non-guaranteed Terminal Dividend (if any)
  • Success Maturity benefit for a century well lived
  • Success Easy to join
  • Success Various choices of premium payment terms
  • Success US dollars as policy currency
Product at a glance
Life Insurance Protection

If the insured passes away, the death benefit will be paid to the beneficiary. The death benefit will include:

  1. guaranteed cash value or the total annual premiums paid to the basic plan with no extra premium loading, whichever is higher;
  2. guaranteed cash payments that have accumulated with interest (if any) under the policy;
  3. non-guaranteed Annual Dividends (if any) that have accumulated with interest under the policy; plus
  4. one-off non-guaranteed Terminal Dividend (if any), provided that the policy has been inforce for 10 years

All outstanding debt under the policy will be deducted before making the above payment to the beneficiary.

If the insured passes away due to a covered accident within the first 12 months of the policy, the plan pays a benefit equal to the principal amount in addition to the above benefits.

The maximum aggregate amount of this additional benefit under all AIA Forever Love Coupon Plan 3 policies for the same insured is US$100,000.

Wealth Accumulation

The plan will provide guaranteed cash value, non-guaranteed Annual Dividends (if any) and a one-off non-guaranteed Terminal Dividend (if any).

Guaranteed Cash Payments

Two types of guaranteed cash payments will be distributed regularly for abundant financial flexibility:

Type Distribution Period Amount
Annual guaranteed cash payments

Starting from the end of the 5th policy year, at the end of each policy year until the insured reaches the age of 100

1.8% of the principal amount

Additional guaranteed cash payments

At the end of each of the following policy years: 5th, 8th, 11th, 14th, 17th and 20th

3% of the principal amount

Maturity benefit for a century well lived

If the insured reaches the age of 100, a maturity benefit will be paid. This will include:

  1. principal amount or the total annual premiums paid to the basic plan with no extra premium loading, whichever is higher;
  2. accumulated guaranteed cash payments with interest (if any);
  3. non-guaranteed accumulated Annual Dividends with interest (if any); plus
  4. non-guaranteed Terminal Dividend (if any)
Easy to join

No medical examination is required, subject to the prevailing rules and regulations

Premium Payment Terms

4 choices of premium payment terms to suit your needs including regular premium payment of 6 / 10 / 15 / 20 years

This is a participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


Please refer to product brochure for details including “Key Product Risks”, “Key Exclusions to Accidental Death Benefit”, “Warning Statement”, and “Additional Important Information”.

Guaranteed Annual Income


AIA Spring Income Plan is a participating insurance plan that provides you guaranteed cash value, guaranteed death value, guaranteed annual income, non-guaranteed Annual Dividends (if any) as well as non-guaranteed Terminal Dividend (if any).

Key Features

  • Success Stable returns for a brighter future
  • Success Short premium payment terms for a prompt income
  • Success Guaranteed annual income
  • Success Life Protection
  • Success Benefit received when policy matures
  • Success Easy to join
  • Success US dollars or HK dollars as policy currency
Product at a glance
Stable returns for a brighter future

Provides you with guaranteed cash value, guaranteed death value, guaranteed annual income, as well as non-guaranteed Annual Dividends (if any).

Once the policy has been in force for 5 years or more, it will also provide you with a one-off non-guaranteed Terminal Dividend (if any) if:

  • you surrender the policy; or
  • the insured, who is the person protected under the policy, passes away and the death benefit is payable in a lump sum.

You may also choose to receive the guaranteed annual income and non-guaranteed Annual Dividends (if any) in cash or allow these sums to accumulate in your policy with potential interest (if any), and withdraw them at any time on or before the maturity of your policy in a lump sum.

Short premium payment terms for a prompt income

You can choose a one-time premium payment, or you can spread payments over a 3-year or 5-year period and receive the guaranteed annual income from the end of the policy year after the policy paid up, until the end of the income period (the income period is the period during which you will receive guaranteed annual income).

Guaranteed annual income

Offers guaranteed annual income throughout the income period.

Premium Payment Term Insured’s Age at Policy Issue Income Period Benefit Term
One-time premium payment

15 days to age 80

18 years

18 years

3 years

15 years

17 years

5 years

19 years

You can also choose to receive your guaranteed annual income under the level mode or the increasing mode when applying for this plan:


Income Payment Mode Description
Level mode

A fixed guaranteed annual income is paid yearly giving you greater stability during retirement.

Increasing mode

Guaranteed annual income paid out increases annually, alleviating the effects of inflation over the long term.

Life Protection

If the insured passes away within the first 3 policy years (for one-time premium payment policy) / prior to the commencement of the Income Period (for 3-year or 5-year premium payment policy)


Premium Payment Term Death Benefit
One-time premium payment
  1. total premiums paid for the basic plan, minus guaranteed annual income paid to you (if any); plus
  2. accumulated guaranteed annual income with interest (if any); plus
  3. accumulated non- guaranteed Annual Dividends with interest (if any).
3 years / 5 years
  1. total annual premiums paid for the basic plan with no extra premium loading; plus
  2. accumulated non-guaranteed Annual Dividends with interest (if any).

If the insured passes away after the end of the 3rd policy year (for one-time premium payment policy) / after the start of the income period (for 3-year or 5-year premium payment policy), but before the policy matures


Premium Payment Term Death Benefit
One-time premium payment / 3 years / 5 years
  1. future unpaid guaranteed annual income;
  2. accumulated guaranteed annual income with interest (if any);
  3. accumulated non-guaranteed Annual Dividends with interest (if any); plus
  4. non-guaranteed Terminal Dividend (if any)(applicable to policy that has been in force for 5 years or more).

If the insured passes away due to a covered accident within the first 3 policy years (for one-time premium payment policy)/ prior to the commencement of the Income Period (for 3-year or 5-year premium payment policy), AIA Spring Income Plan also pays an additional benefit equal to the total annual premiums paid for the basic plan with no extra premium loading. The maximum aggregate amount payable relating to this benefit is US$1,000,000 / HK$7,500,000 taking into account all policies issued with any benefit of a similar nature paid or payable for the same insured.

Benefit received when policy matures

At the end of the benefit term, the policy will mature and a maturity benefit will be paid to you. This benefit will include:

  1. accumulated guaranteed annual income with interest (if any); and
  2. accumulated non-guaranteed Annual Dividends with interest (if any).

AIA will deduct all outstanding debt under your policy before making payment to you and provided that the insured lives till the end of the benefit term.

Easy to join

No medical examination is required, subject to the prevailing rules and regulations


This is a participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


Please refer to product brochure for details including “Key Product Risks”, “Key Exclusions to Accidental Death Benefit”, “Warning Statement”, and “Additional Important Information”.

Guaranteed RMB Annual Income


AIA RMB Spring Income Plan is a participating insurance plan that provides you guaranteed cash value, guaranteed death value, guaranteed annual income, non-guaranteed Annual Dividends (if any) as well as Terminal Dividend (if any).

Key Features

  • Success Stable returns for a brighter future
  • Success Policy currency in RMB to achieve desirable returns
  • Success One-time premium payment term for a prompt income
  • Success Guaranteed annual income
  • Success Life Protection
  • Success Benefit received when policy matures
  • Success Easy to join
Product at a glance
Stable returns for a brighter future

Provides you with guaranteed cash value, guaranteed death value, guaranteed annual income, as well as non-guaranteed Annual Dividends (if any).

Once the policy has been in force for 5 years or more, it will also provide you with a one-off non-guaranteed Terminal Dividend (if any) if:

  • you surrender the policy; or
  • the insured, who is the person protected under the policy, passes away and the death benefit is payable in a lump sum.

You may also choose to receive the guaranteed annual income and non-guaranteed Annual Dividends (if any) in cash or allow these sums to accumulate in your policy with potential interest (if any), and withdraw them at any time on or before the maturity of your policy in a lump sum.

Policy currency in RMB to achieve desirable returns

Uses RMB as the policy currency. You may opt at the time of payment to receive the benefits in RMB or Hong Kong dollars.

You can also choose to pay the premium in RMB, US dollars or Hong Kong dollars.

One-time premium payment term for a prompt income

You only have to pay the premium once and will begin to receive the guaranteed annual income from the end of the first policy year till the end of the income (the income period is the period during which you will receive guaranteed annual income).


Premium Payment Term Insured’s Age at Policy Issue Income Period Benefit Term
One-time premium payment 15 days to age 80 18 years 18 years
Guaranteed annual income

Offers guaranteed annual income throughout the income period.

You can choose to receive your guaranteed annual income under the level mode or the increasing mode when applying for this plan:


Income Payment Mode Description
Level mode A fixed guaranteed annual income is paid yearly giving you greater stability during retirement.
Increasing mode Guaranteed annual income paid out increases annually, alleviating the effects of inflation over the long term.
Life Protection

If the insured passes away within the first 3 policy years


Death Benefit
  1. total premiums paid for the basic plan, minus guaranteed annual income paid to you (if any); plus
  2. accumulated guaranteed annual income with interest (if any); plus
  3. accumulated non-guaranteed Annual Dividends with interest (if any).

If the insured passes away after the 3rd policy year, but before the policy matures


Death Benefit
  1. future unpaid guaranteed annual income;
  2. accumulated guaranteed annual income with interest (if any);
  3. accumulated non-guaranteed Annual Dividends with interest (if any); plus
  4. non-guaranteed Terminal Dividend (if any) (applicable to policy that has been in force for 5 years or more).

If the insured passes away due to a covered accident within the first 3 policy years, AIA RMB Spring Income Plan also pays an additional benefit equal to the total premiums paid for your basic plan. The maximum aggregate amount payable relating to this benefit is US$1,000,000 taking into account all policies issued with any benefit of a similar nature paid or payable for the same insured.

Benefit received when policy matures

At the end of the benefit term, the policy will mature and a maturity benefit will be paid to you. This benefit will include:

  1. accumulated guaranteed annual income with interest (if any); and
  2. accumulated non-guaranteed Annual Dividends with interest (if any).

AIA will make payment to you and provided that the insured lives till the end of the benefit term.

Easy to join

No medical examination is required, subject to the prevailing rules and regulations


This is a participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


Please refer to product brochure for details including “Key Product Risks”, “Product Limitation”, “Key Exclusions to Accidental Death Benefit”, “Warning Statement”, and “Additional Important Information”.

The Citi 3-Minute Guides

These short simple guides help you understand your financial options and how to make the right choice. See all guides

Why Life Insurance Fits into Every Financial Portfolio

Due to their regular payouts, life insurance can complement your investments, making it a valued part of holistic financial planning.

Read more

How to Pick Life Insurance

A Q&A featuring essential questions and things to consider when deciding what kind of protection you need.

Read more

Explore other Life Plans

Explore other Life Plans

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Get the retirement you deserve with insurance plans that provide stable returns and protection coverage from now till your golden years. Because you should retire from work, not life.

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Legacy Planning

Realize your lifelong dreams and create an investment that yields a wealth of memories. Legacy insurance plans let you accumulate your wealth and leave a legacy for the next generation.

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Life Protection

Ensure that your loved ones are taken care of should the worst happen. Different life protection options let you grow your wealth and provide for the most important people in your life.

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Investment Planning

Grow your wealth while ensuring you are protected against life’s twist and turns. With plans to suit every appetite, we’ll work with you to build a brighter future.

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