A non-guaranteed Reversionary Bonus and non-guaranteed Terminal Bonus which are declared under the policy at least once per year starting from the end of the 3^rd policy year.

1. Reversionary Bonus: A non-guaranteed bonus, the face value of which will become guaranteed and forms a permanent addition to the policy once it is declared. The cash value of Reversionary Bonus may be cashed out or left to accumulate in your policy throughout its duration.
2. Terminal Bonus: A non-cumulative, non-guaranteed bonus, the amount of which is valid until the next declaration. The amount in each declaration may be greater or less than the previous amount based on a number of factors, including but not limited to investment returns and general market volatility.

Long-term wealth accumulation in the form of:

1. guaranteed cash value to secure your returns;
2. non-guaranteed cash value of Reversionary Bonus (if any);
3. non-guaranteed cash value of Terminal Bonus (if any); plus
4. any remaining balance of the Bonus Lock-in Account (if applicable)

If the insured passes away and no contingent insured has become the new insured, the death benefit will be paid to the beneficiary. The death benefit will include the higher of:

1. 105% of the total premiums paid for the basic plan; or
2. the guaranteed cash value of the policy plus the face value of Reversionary Bonus (if any) and the face value of Terminal Bonus (if any) in the policy

plus any remaining balance of the Bonus Lock-in Account (if applicable).

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 an additional benefit

• equal to the total premiums paid for the basic plan in addition to the above death benefits the maximum aggregate amount of this benefit payable with respect to the same insured under all AIA Bonus Power Vantage policies is US$100,000 and the benefit payable under each policy will be prorated according to its total premiums paid.

Change of Insured Option allows you to change the insured to another loved one, in whom you and the beneficiary have insurable interest without affecting the policy values.

There is a limit of 2 times policy owner may request for the Change of Insured Option (aggregating with the limit of change of insured through contingent insured arrangement) during the lifetime of the current insured after the end of the 1^st policy year, subject to insurer’s approval.

No medical examination is required for the proposed new insured as long as the total annual premiums do not exceed the aggregate limit set for such insured, subject to insurer’s prevailing rules and regulations. At the time of application, the age of the proposed new insured must be between 15 days and 60. Once the insured has been changed, all existing add-on plans (if any) will automatically terminate.

You can designate another loved one as a contingent insured, in whom you and the beneficiary have insurable interest during the lifetime of the current insured. Upon the passing of the current insured, the contingent insured may become the new insured, subject to insurer’s approval.

There is no limit on the number of times you can designate, modify or remove a contingent insured during the lifetime of the current insured, but you may only have one contingent insured per policy at any time during the benefit term. At the time of designation, the proposed contingent insured must be between 15 days and age 60.

Upon the passing of the current insured, the contingent insured must be age 60 or under to be eligible to become the new insured. No medical examination is required for the contingent insured as long as the total annual premiums do not exceed the aggregate limit set for such insured, subject to

Insurer’s prevailing rules and regulations. The contingent insured needs to become the new insured within a year upon the passing of the current insured, otherwise the death benefit will become payable to the beneficiary.

Upon the contingent insured becoming the new insured, your policy values will not be affected, and you may designate a new contingent insured. All existing add-on plans (if any) will automatically terminate. There is a limit of 2 times you may change the insured through the contingent insured arrangement (aggregating with the limit under the Change of Insured Option), subject to insurer’s approval.

Once the policy has been in force for at least 1 year, if the insured obtains one of the achievements before the age of 25, the plan will pay the corresponding award amount while the policy is in force.

The Educational Merit Benefit will only be paid for one of the categories once per policy and will terminate if you have claimed for the award amount in respect of any one insured. With respect to the same insured under all AIA Bonus Power Vantage policies, the Educational Merit Benefit is only payable once per life.

If you have changed the insured of the Policy through Change of Insured Option or contingent insured arrangement, the plan would only pay the Educational Merit Benefit when the new insured has achieved the required achievements at least 1 year after the change of insured and before age 25 of the new insured.

Bonus Power Vantage helps you realise potential returns with Bonus Lock-in Option. Within 30 days from the end of each policy year, starting from the end of the 15th policy year, you may apply to exercise the Bonus Lock-in Option once per policy year, which let you transfer an identical percentage of the latest cash values of Reversionary Bonus (if any) and Terminal Bonus (if any) into your Bonus Lock-in Account while your policy is in force. Exercising the Bonus Lock-in Option will not reduce the principal amount of the policy, which is used to calculate the premium and relevant policy values.

Any remaining balance of your Bonus Lock-in Account may accumulate at a non-guaranteed accumulation interest rate that may be declared by AIA from time to time. Subject to its rules and regulations prevailing at the time, you may withdraw cash from your Bonus Lock-in Account anytime. The transfer of Lock-in Amount cannot be reversed once the Bonus Lock-in Option is exercised. Each subsequent declaration of the Reversionary Bonus (if any) and Terminal Bonus (if any) will not affect the Bonus Lock-in Account.

You can decide on what percentage of the Reversionary Bonus (if any)and Terminal Bonus (if any) to be transferred to the Bonus Lock-in Account, subject to the following:

• During any given policy year, the percentages of the Reversionary Bonus (if any) and Terminal Bonus (if any) to be transferred into your Bonus Lock-in Account must be identical to each other.
• The percentages to be transferred cannot be less than 10% or more than 70%. AIA reserves the right to change this Minimum Percentage and Maximum Percentage from time to time, subject to AIA’s prevailing rules and regulations.
• The Lock-in Amount to be transferred cannot be less than a minimum amount, which may be determined by AIA from time to time, subject to AIA’s prevailing rules and regulations.

Apart from a lump sum payment, you can select specific amounts of benefits to be paid to your beneficiary at regular intervals, provided that the total annual payment is at least equal to 2% of the sum of the death benefit and accidental death benefit, subject to insurer’s prevailing rules and regulations. Remaining amount of benefits will be left in the insurer to accumulate at the non-guaranteed interest rate determined by us from time to time, until the full amount of benefits has been paid to the beneficiary.

The death benefit settlement option is not available if the death benefit and accidental death benefit payable is less than US$50,000, subject to insurer’s prevailing rules and regulations.

The Unemployment Benefit helps ease your financial burden during tough times while keeps the insured protected, even if life takes an unexpected turn. Subject to terms and conditions and AIA’s approval, if you as the policy owner isare laid off and become involuntarily unemployed during premium payment term of your basic plan, you may claim for the Unemployment Benefit. To claim for Unemployment Benefit, you must be employed under a continuous contract for not less than 24 months and be eligible for a severance payment upon termination under the laws of Hong Kong or Macau (according to the place of policy issuance) prior to the involuntary unemployment. Once approved, the grace period for late premium payment under the basic plan and any add-on plans will be extended from 31 days to 365 days to give you a safe buffer. Your Unemployment Benefit claim needs to be submitted within 30 days of your involuntary unemployment. The Unemployment Benefit is available once per policy and relevant proof is required.

No medical examination is required as long as the total annual premiums do not exceed the aggregate limit set for each insured, subject to insurer’s prevailing rules and regulations.

2 choices of premium payment terms to suit your needs including premium payment term of 5 and 10 years.

When you are at your peak, it is important to secure avenues to grow and enrich your financial well-being. AIA Wealth Enrich is a participating whole life insurance plan that covers the entire lifespan of the insured, who is the person protected under the policy. The plan provides you with guaranteed cash value, non-guaranteed Annual Dividends (if any) and non-guaranteed Terminal Dividend (if any), all of which form your policy values to help you achieve guaranteed and potential gains for long-term wealth accumulation.

Annual Dividends

• Non-guaranteed Annual Dividends (if any) will be declared to your policy at least once per year, starting from the end of the 5th policy year.
• Choose to receive the Annual Dividends (if any) in cash or to accumulate in your policy with non-guaranteed interest.

Terminal Dividend

• One-off non-guaranteed Terminal Dividend (if any) will be provided upon policy surrender or death of the insured after the policy has been in force for 5 years.

To provide you with greater control over your finances, AIA Wealth Enrich only requires you to pay the premium once. You do not need to worry about any future premiums.

In the face of unpredictable market conditions, you need a smart and steady solution to capture the opportunities to gain desirable returns.

Through the Terminal Dividend Lock-in Option, AIA Wealth Enrich enables you to realise potential returns by transferring the latest value of the Terminal Dividend into a Terminal Dividend Lock-in Account to earn interest at a non-guaranteed rate.

What’s more, you can withdraw cash from the Terminal Dividend Lock-in Account anytime without reducing the principal amount of your policy for further financial flexibility. With this safety net in place, the plan allows you to focus on future capital accumulation, while giving you the added flexibility you need to meet financial obligations throughout different stages of your life.

Within 30 days after the end of each policy year, starting from the end of the 15th policy year, you may exercise the Terminal Dividend Lock-in Option once per policy year.

Transfer of Lock-in Amount
You can decide on what percentage of the non-guaranteed Terminal Dividend to transfer, with the condition that the percentages cannot be less than 10% or more than 70% (minimum and maximum percentages are subject to AIA’s prevailing rules and regulations) and the Lock-in Amount is subject to a minimum amount that is determined by AIA from time to time. The calculation of the Lock-in Amount is based on the latest value of the non-guaranteed Terminal Dividend. All outstanding debt under your policy will be deducted from the Lock-in Amount (up to a maximum deduction amount equal to the Lock-in Amount) before it is transferred into your Terminal Dividend Lock-in Account. Once the Lock-in Amount is transferred into the Terminal Dividend Lock-in Account, the non-guaranteed Terminal Dividend as at the relevant policy year and the non-guaranteed Terminal Dividend to be declared for all subsequent policy years will be reduced accordingly. The transfer of the Lock-in Amount cannot be reversed once the Terminal Dividend Lock-in Option is exercised.

Any balance in your Terminal Dividend Lock-in Account may accumulate interest at a non-guaranteed rate as determined by AIA. Subject to AIA’s rules and regulations prevailing at the time, you may withdraw cash from Terminal Dividend Lock-in Account anytime.

With AIA Wealth Enrich, you can withdraw your policy values in one go or make withdrawals flexibly according to your changing needs in the future. Come what may, you are provided with a reliable solution to protect the wealth and assets you endeavor to gain over the years, even amid challenging situations.

You may request to withdraw part of the guaranteed cash value, the non-guaranteed accumulated Annual Dividends with interest (if any) and the non-guaranteed Terminal Dividend (if any). However, this will reduce the future values of your policy. After withdrawal, the principal amount of the policy and the one-time premium paid for the basic plan under the death benefit may be reduced.

The surrender benefit will include:

• guaranteed cash value; plus
• non-guaranteed Annual Dividends (if any) that have accumulated with interest (if any) under the policy; plus
• non-guaranteed Terminal Dividend (if any); plus
• any remaining balance of the Terminal Dividend Lock-in Account (if applicable) followed by the termination of your policy

AIA will deduct all outstanding debt under the policy before it makes the payment for your withdrawal.

Life is full of twists and turns, which is why AIA Wealth Enrich has been designed to meet your changing needs while protecting your loved ones. Through the Death Benefit, Accidental Death Benefit, Death Benefit Settlement Option, Change of Insured Option, and Contingent Insured Option, you can rest assured whichever life stage you are in and focus on wealth accumulation to set the tone for the future. What’s more, should the unfortunate occur, your loved ones can gain access to a reliable source of funds for their financial security.

The death benefit will include the higher of:

1. guaranteed cash value; and
2. one-time premium paid for your basic plan;

plus

• non-guaranteed Annual Dividends (if any) that have accumulated with interest (if any) under the policy;
• non-guaranteed Terminal Dividend (if any); and
• any remaining balance of the Terminal Dividend Lock-in Account (if applicable)

AIA will deduct all outstanding debt (if any) under the policy before making the payment to the beneficiary.

In addition to the death benefit, if the insured passes away due to a covered accident within the first 12 months of the policy, AIA will pay US$250,000 as the accidental death benefit. The maximum aggregate amount of the accidental death benefit with respect to the same insured under all AIA Wealth Enrich polices is US$250,000 and the benefit payable under each policy will be prorated according to its one-time premium paid for the basic plan.

During the lifetime of the insured, you can select specific benefit amounts to be paid to your beneficiary at regular intervals chosen by you, provided that the total annual payment is equal to at least 2% of the sum of the death benefit and accidental death benefit. The remaining amount of benefits will be left with AIA to accumulate interest at a non-guaranteed interest rate determined by AIA, until the full amount of the benefits has been paid to the beneficiary. The Death Benefit Settlement Option is not available if the sum of the death benefit and accidental death benefit payable is less than US$50,000.

Change of Insured Option and Contingent Insured Option
During the lifetime of the current insured and after the end of the 1st policy year, the Change of Insured Option allows you to change the insured to another loved one, in whom you and the beneficiary have insurable interest. That way, the value of your policy can be inherited by later generations, helping you pass on your wealth with extra flexibility.

With the Contingent Insured Option, during the lifetime of the current insured, you can designate another loved one as a contingent insured, in whom you and the beneficiary have insurable interest. There is no limit on the number of times you can designate, modify or remove a contingent insured, as long as it is done during the lifetime of the current insured, but you may only have one contingent insured per policy at any time during the benefit term. Upon the passing of the current insured, the contingent insured may become the new insured without affecting your policy values so as to protect your legacy for the next generation.

You may change the insured under the Change of Insured Option and / or the Contingent Insured Option as many times as you wish, subject to AIA’s approval.

No medical examination is required for your application as long as the one-time premium payment does not exceed the aggregate limit set for each insured, subject to AIA’s prevailing rules and regulations.

You can select from up to 8 currencies for your policy at inception, which include Renminbi (RMB), British pound sterling (GBP), US dollar (US$), Australian dollar (AUD), Canadian dollar (CAD), HK dollar (HK$), Euro (EUR) and Singapore dollar (SGD), each offering different policy returns.

To suit your long-term wealth accumulation needs and your budget, you can choose a one-time premium payment term, a 3-year premium payment term (limited time offer), a 5-year premium payment term or a 10-year premium payment term to help meet your different financial goals.

Through the Currency Exchange Option, you can change the policy currency to another currency listed above. There will be no changes to the current policy effective date and the policy values will be recalculated and continue to accumulate based on the return of the new policy currency, helping you capture ever-evolving opportunities in a dynamic world while continuing to accumulate wealth with extra financial flexibility.

After the end of the 3rd policy year or the end of the premium payment term, whichever is later, you can exercise the Policy Split Option according to your need and transfer certain policy values from the current policy to a separate policy, splitting one policy into two.

The current policy will continue to be effective with no change in effective date, and the policy effective date of the split policy will be the same as the current policy. You can apply for a change of policy currency and change of insured after the policy is split.

This flexibility allows you to allocate your assets strategically by holding multi-currency policies, helping to create the legacy you envision.

Bonus Lock-in Option

Global Power Multi-Currency Plan 2 enables you to realise potential returns by transferring the latest cash values of the Reversionary Bonus (if any) and Terminal Bonus (if any) into a Bonus Lock-in Account to earn interest at a non-guaranteed rate. This is available once per policy year, after the end of the 15th policy year and within 30 days after the end of each policy year.

To provide further flexibility for your financial needs throughout various life stages, you can withdraw cash from the Bonus Lock-in Account anytime without reducing the principal amount of your policy.

Bonus Unlock Option

By exercising the Bonus Unlock Option, you can even unlock a certain amount of the latest value of the Bonus Lock-in Account as non-guaranteed Reversionary Bonus (if any) and Terminal Bonus (if any) to suit your financial needs. This is available once per policy year, starting from 1 year after bonus lock-in and within 30 days after the end of each policy year.

During the lifetime of the current insured and after the end of the 1st policy year, the Change of Insured Option allows you to change the insured to another loved one as many times as you wish. That way, the value of your policy will not be affected and can be inherited by future generations, helping you pass on your wealth with extra flexibility.

With the Contingent Insured Option, during the lifetime of the current insured, you can designate one of your loved ones as the contingent insured. There is no limit on the number of times you can designate, modify or remove a contingent insured during the lifetime of the current insured. Upon the passing of the current insured, the contingent insured may become the new insured without affecting your policy values and your policy will continue to be effective, so as to protect your legacy for the generations to come.

With Global Power Multi-Currency Plan 2, you can withdraw your policy values to realise your dreams. To address your changing needs in the future, upon request, you can withdraw part of the guaranteed cash value and the non-guaranteed cash values of the Reversionary Bonus (if any) and Terminal Bonus (if any). However, this will reduce the future values of your policy. After withdrawal, the principal amount of the policy and the total premiums paid or one-time premium paid (as applicable) for the basic plan under the death benefit may be reduced.

Alternatively, you may choose to withdraw all cash values in the policy. Upon such withdrawal, you will receive the sum of the guaranteed cash value, non-guaranteed cash values of the Reversionary Bonus (if any) and Terminal Bonus (if any), and any remaining balance of the Bonus Lock-in Account (if applicable), and your policy will be terminated.

AIA will deduct all outstanding debt (if any) under the policy before AIA makes any payments for your withdrawal.

The death benefit will include the higher of:

1. 105% of the total premiums paid or one-time premium paid (if applicable) for the basic plan; or
2. the sum of:

• the guaranteed cash value of the policy;
• the face value of Reversionary Bonus (if any) in the policy; and
• the face value of Terminal Bonus (if any) in the policy;
  plus any remaining balance of the Bonus Lock-in Account (if applicable). AIA will deduct all outstanding debt (if any) under the policy before AIA make the payment to the beneficiary.

During the lifetime of the insured, you can select specific benefit amount to be paid to your beneficiary at regular intervals chosen by you, starting from your designated date^, provided that the total annual payment is equal to at least 2% of the sum of the death benefit and accidental death benefit.

The remaining amount of benefits will be left with AIA to accumulate interest at the non-guaranteed interest rate determined by AIA, until the full amount of the benefits has been paid to the beneficiary.

The death benefit settlement option is not available if the sum of the death benefit and accidental death benefit payable is less than US$50,000*.

^{^}The designated date is subject to AIA’s prevailing rules and regulations. If the insured passes away after the designated date, the first instalment payment of death benefit and accidental death benefit will be paid immediately after the claim is approved.

^*If the policy is issued in currency other than US$, the amount would be available in the respective policy currency and the prevailing exchange rate will be used to calculate the above amount.

To motivate the insured to strive for academic excellence, AIA will reward academic achievements by offering the Educational Merit Benefit. Once the policy has been in force for at least 1 year, if the insured obtains any one of the designated achievements before the age of 25, Global Power Multi-Currency Plan 2 will pay the corresponding award amount while the policy is in force.

The benefit will only be paid for one of the categories of academic achievements once per policy. The benefit will terminate if you have claimed for the award amount in respect of any one insured. With respect to the same insured under all Global Power Multi-Currency Plan 2 policies, the benefit is only payable once per life.

You may encounter an unexpected change that may cause an impact on your finances. Should one of the specified events happen to you during the premium payment term of the basic plan, you may claim for the Extension of Grace Period Benefit (not applicable to one-time premium payment). AIA will extend the grace period for late premium payment from 31 days to up to 365 days to give you extra financial flexibility while keeping the insured protected and the policy effective.