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); plus
3. non-guaranteed cash value of Terminal Bonus (if any)

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

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

whichever is higher.

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 Plan 3 policies is US$100,000.

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.

Subject to insurer’s approval, policy owner may request for the Change of Insured Option after the end of the 1^st policy year for up to 2 times while the policy is in force and such request must be made during the lifetime of the current insured.

No medical examination is required for the 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 new insured must be between 15 days and 60.

Apart from a lump sum payment, you can select fixed 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.

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.