Life Insurance

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Life Protection

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

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Accident & HealthCare Protection

It’s impossible to predict when a critical illness, hospitalization or medical emergency hits. Protect yourself and your family with accident & healthcare protection plans.

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Retirement Planning

Get the retirement you deserve with insurance plans that provide stable returns and protection coverage from now till your golden years.

Qualifying Deferred Annuity Policy

AIA Deferred Annuity Plan is a participating insurance plan that provides guaranteed cash value, guaranteed Monthly Annuity Payment and non-guaranteed Monthly Annuity Payment for retirement. You can choose Annuity Payment Start Age for annuitant (as the insured) to start receiving high guaranteed portion of annuity income at age 50, 55, 60, 65 or 70, and enjoy a regular annuity income stream for 10 years.
Learn more on AIA Deferred Annuity Plan
Wealth Accumulation with Guaranteed Returns

AIA Fortune Promise is a participating insurance plan that provides you with guaranteed cash value, enabling you to accumulate wealth and secure a prosperous future for yourself and your family. In addition, non-guaranteed Annual Dividends (if any) and non-guaranteed Terminal Dividend (if any), all of which form your policy values.
Learn more on AIA Fortune Promise
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).
Learn more on AIA Spring Income Plan
Stable returns to realise your ambition

AIA Simply Love Encore 5 provides stable returns in the form of guaranteed cash value, as well as non-guaranteed dividends that can potentially accelerate your long-term wealth accumulation.
Learn more on AIA Simply Love Encore 5

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Education Planning

We all wish for a bring future for our children. Start an education plan for your child today and help your little ones realize their big dreams.

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).
Learn more on AIA Spring Income Plan

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Investment Planning

Grow your wealth while ensuring you are protected against life’s twists and turns. Find out how the plan builds your brighter future today.

Wealth Accumulation with Potential Returns

AIA Bonus Power Vantage is a participating insurance plan. Your share of the profit generated from this product group will be distributed to you through a non-guaranteed Reversionary Bonus and non-guaranteed Terminal Bonus.
Learn more on AIA Bonus Power Vantage
Seize Currency Opportunities and Potential Returns

AIA Global Power Multi-Currency Plan is a participating life insurance plan. It offers a choice of up to 6 currencies for long-term wealth accumulation with potentially high returns and the option to enjoy the advantages of changing policy currency in an evolving world.
Learn more on AIA Global Power Multi-Currency Plan

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Legacy Planning

Wealth is more than a hallmark of success; it is a means of providing financial security for future generations.

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Goal Planner

Select All Your Goals and Find Out How Much You Need

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Savings
Education
Protection
Retirement
Personal Details
Result

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

Amount Needed

HK$

Expected Timeframe

How much have you saved so far?

HK$

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The “first pot of gold” has risen from HK$2 million to HK$2.4 million^4,5
The 3 most important savings goals are to travel around the world, own an apartment and retire early^4,5
People hold almost 60% of personal assets in cash and deposits but these assets do not keep pace with inflation^4,5

Savings
Education
Protection
Retirement
Personal Details
Result

How are you planning for your children's education

How much have you set aside for your children’s education?

HK$

Tell us a little about your children

My child is

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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

Savings
Education
Protection
Retirement
Personal Details
Result

How much life insurance do you already have?

HK$

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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

Savings
Education
Protection
Retirement
Personal Details
Result

How much have you set aside for your retirement?

HK$

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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 old^2,3
The median desired spend after retirement for people in HK is HK$13,386 per month²

Savings
Education
Protection
Retirement
Personal Details
Result

Tell us about yourself

1. Whats your gender?

Male Female

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

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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.

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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

Phrase	Definition
Annual Dividend	a yearly payout made to the policyholder, usually on the policy’s anniversary
Accidental Daily Hospital Cash	provides a daily payment during hospital stays to cover loss of income or to pay for additional medical expenses
Cash Value	the amount of cash you will get back if you cancel a policy early. Also called surrender value or cash surrender value
Curtailment of Trip	cutting a trip short
Designated Beneficiary	the person you choose to inherit your policy payout
Death Benefit	the amount that is paid out to a beneficiary when the policyholder passes away. It could be a yearly amount or a lump-sum payment
Dividend	the income paid out to you from the savings part of your life insurance policy. This can be guaranteed or non-guaranteed
Dividend Accumulation	an option that allows dividends to build up and earn interest rather than be paid out to the policyholder
Face Value/Amount	the amount of money you wish to be covered for. This is also called the 'sum insured’ or 'sum assured'
Income	this is paid out to you from the life insurance part of your policy. The payouts are normally set out in advance
Income Payment Mode	you can choose the way you get paid your annual income. The choices are level mode (the same amount each year) or increasing mode (payouts increase each year)
In Force	the total amount of life insurance issued and outstanding. This amount includes dividends paid
Maturity benefit/dividend	the cash you get back at the end of the policy term
Premiums	the fee you pay an insurance company for your policy which goes towards your dividend/income payouts
Reserve Fund	the cash left in your policy after any payout has been paid
Suicide Clause	some life insurance policies will hold back on a claim if the policyholder commits suicide. Other policies may return only the premiums paid in
Surrender Value	When you cancel your insurance policy early, you will be paid a set amount only. See also Cash Value

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

Disclaimers and Remarks

Important Notes
1. Citibank (Hong Kong) Limited, being registered with the Insurance Authority as a licensed insurance agency, acts as an appointed licensed insurance agent for AIA International Limited (the "Insurance Company").
2. Citibank (Hong Kong) Limited's role is limited to distributing insurance products of the Insurance Company only and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the provision of the products.
3. Insurance products are products and obligations of the Insurance Company and not of Citibank (Hong Kong) Limited. 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.
4. 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 conducted by Citibank (Hong Kong) Limited as agent for Insurance Company or the processing of the related transaction, you may enter into a financial dispute resolution scheme process with Citibank (Hong Kong) Limited in accordance with the applicable rules in Hong Kong. However any dispute over the contractual terms of insurance products should be resolved directly between you and the Insurance Company.
5. All insurance applications are subject to Insurance Company's underwriting and acceptance.
6. The Insurance Company is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
7. Citibank (Hong Kong) Limited will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
8. You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
9. For any policy service enquiries, please contact the relevant licensed bank staff or the Insurance Company.
10. The life/ general insurance product mentioned above is not offered to individual resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man and United Kingdom. This page is not intended as a recommendation or an offer or solicitation for the purchase or sale of any of the insurance products to such individuals.
From January 1, 2018, the Insurance Authority (IA) will start collecting a premium levy from policy holders of all new or in-force life insurance policies and general insurance policies. For further information, please visit www.ia.org.hk.
References

¹ Source: AIA’s Hong Kong and Overseas Education Expenditure Research 2014 by GfK Hong Kong, an independent market research company (data collected in June 2014).

² Source: AIA’s The 7th “AIA MPF Desired Retirement Tracker” Survey (data collected in August 2015).

³ Independent actuarial calculations were applied to each respondent to project the retirement reserves he/she would have accumulated at retirement based on his/her current saving habits and retirement reserves. The calculations were then compared with the data provided by each respondent regarding his/her desired monthly living expenditure and the number of years that the reserves were expected to cover after retirement. The above information gathered from external sources is made on a general basis and is for reference only. Please refer to the related data and information collection statement for details.

⁴ Source: AIA’s Survey of Wealth Management Attitudes 2015

⁵ Source: Ipsos Affluent Survey Asia 2016, Hong Kong statistics

⁶ Source: AIA Healthy Living Index Survey 2016

⁷ Source: AIA’s Survey of Wealth Management Attitudes 2014