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Life Insurance

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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

Potential to grow your legacy


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.

Key Features

  • Success Distributing your share of the profit through a non-guaranteed Reversionary Bonus and non-guaranteed Terminal Bonus
  • Success Lifetime protection with potential returns
  • Success Change of Insured Option
  • Success Contingent insured arrangement to protect your legacy
  • Success Educational Merit Benefit
  • Success Bonus Lock-in Option to realise potential returns
  • Success Choice of death benefit settlement option, either in a lump sum payment or in regular instalments
  • Success Unemployment Benefit for extra flexibility during tough times
  • Success No medical examinations is required, subject to the prevailing rules and regulations
  • Success US dollars as policy currency
Product at a glance
Distributing share of the profit

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 3rd 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.
Accumulate wealth for a brighter future

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)
Lifetime Insurance Protection

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

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 1st 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.

Contingent insured arrangement to protect your legacy

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.

Educational Merit Benefit

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 Lock-in Option to realise potential returns

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.
Choice of Settlement Option

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.

Unemployment Benefit for extra flexibility during tough times

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.

Easy to join

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.

Premium Payment Terms

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

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


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

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