Life Insurance
Investment Planning

Investing for the future? Ensure you’re covered as you work towards your financial goals with the investment-focused insurance plans. Browse and find the right plan for your financial outlook.
Wealth Accumulation with Potential Returns
AIA Bonus Power Plan 3 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 Plan 3Wealth Accumulation with Potential Returns
AIA Bonus Power Plan 3 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 Lifetime protection with potential returns
- Success Distributing your share of the profit through a non-guaranteed Reversionary Bonus and non-guaranteed Terminal Bonus
- Success Change of Insured Option
- Success Choice of death benefit settlement option, either in a lump sum payment or in regular instalments
- Success No medical examinations is required, subject to the prevailing rules and regulations
- Success US dollars as policy currency
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.
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Potential returns for a Brighter future | Long-term wealth accumulation in the form of:
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Lifetime Insurance Protection | If the insured passes away, the death benefit will be paid to the beneficiary.
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
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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. Subject to insurer’s approval, policy owner may request for the Change of Insured Option after the end of the 1st 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. |
Choice of Settlement Option | 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. |
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”.
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
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