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 2 is a Qualifying Deferred Annuity Policy (“QDAP”) which provides potential return and reliable annuity income stream with issue age up to 70. No matter you are 18 or 70 years old, AIA Deferred Annuity Plan 2 is designed to help you build the nest egg you need by converting your savings into a steady stream of annuity income to cover daily expenses when you retire.
Learn more on AIA Deferred Annuity Plan 2
Wealth Accumulation with Guaranteed Returns

AIA Fortune Promise 2 is a participating whole-life insurance plan that only requires a one-time premium payable in a lump sum while covering the entire lifespan of the insured. The plan provides you with guaranteed cash value, enabling you to accumulate wealth for future prosperity that you can enjoy with your family. It also helps you prepare for your retirement years and beyond. 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 2
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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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.

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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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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

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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

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

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Life Insurance

Tell Us Where You Are in Life

calculate your needs

Life Protection

Accident & HealthCare Protection

Retirement Planning

Investment Planning

Legacy Planning

Goal Planner

Select All Your Goals and Find Out How Much You Need

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

How are you planning for your children's education

How much life insurance do you already have?

How much have you set aside for your retirement?

Tell us about yourself

Ammount needed for HK$ 24,000,000

Total Gap: HK$ 24,000,000

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