Life Insurance
Legacy Planning

The wealth you’ve built should continue growing for future generations. With investment focused insurance plans that help you pass the legacy on to your loved ones.
Life Protection and Wealth Accumulation with Guaranteed Returns
AIA Admire Life 2 is participating insurance plan that provides you with guaranteed cash value, enabling you to accumulate wealth and secure a prosperous future for yourself and your family. In addition, a non-guaranteed Annual Dividends (if any) and non-guaranteed Terminal Dividend (if any) will also be provided.
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 Admire Life 2Learn more on AIA Fortune Promise 2
Flexible Legacy Planning and Multi-Currency Options
AIA Global Power Multi-Currency Plan 2 is a participating life insurance plan. It can help you seize global opportunities, allocate your assets flexibly and accumulate long-term wealth towards achieving your financial goals.
Learn more on AIA Global Power Multi-Currency Plan 2Stable 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>Preserve your legacy with life protection
AIA Wealth Elite 2 - Sapphire is a participating whole-life insurance plan that covers the entire lifespan of the insured. AIA will distribute the profit generated from this product group by declaring a non-guaranteed Reversionary Bonus (if any) and a non-guaranteed Terminal Bonus (if any) to you at least once per year starting from the end of the 3rd policy year.
Learn more on AIA Wealth Elite 2 – SapphireLife Insurance with Flexibility of Financial Legacy
AIA Wealth Preserver 5 is a Universal Life insurance plan that offers whole-life insurance protection as well as flexibility to manage your financial legacy. Your policy can be designed to facilitate your wealth distribution arrangements, so you can continue nurturing your family even beyond your lifetime.
Learn more on AIA Wealth Preserver 5Boost Your Wealth Potential
AIA Wealth Enrich helps you accumulate wealth towards an even brighter future. You may enjoy whole life coverage with the added flexibility to meet your changing needs, while paving a way towards a brighter future for the ones you love.
Learn more on AIA Wealth EnrichGuaranteed Annual Income
AIA Spring Income Plan is a participating insurance plan that provides you guaranteed cash value, guaranteed death value, guaranteed annual income, non-guaranteed Annual Dividends (if any) as well as non-guaranteed Terminal Dividend (if any).
Learn more on AIA Spring Income PlanLifetime Protection with Stable Returns
AIA Admire Life 2 is a participating insurance plan that provides you with guaranteed cash value, enabling you to accumulate wealth and secure a prosperous future for yourself and your family. In addition, non-guaranteed Annual Dividends (if any) and non-guaranteed Terminal Dividend (if any) will also be provided.
Key Features
- Success Life protection with stable returns
- Success Accumulate wealth with guaranteed cash value, non-guaranteed Annual Dividends (if any) and one-off non-guaranteed Terminal Dividend (if any)
- Success Waiver of future premium in case of total and permanent disability before age 60
- Success Various choices of premium payment terms
- Success US dollars or HK dollars as policy currency
Lifetime Insurance Protection | If the person protected under the policy passes away, the death benefit will be paid to the beneficiary. The death benefit will include:
All outstanding debt under the policy will be deducted before making the above payment to the policy beneficiary. |
Wealth Accumulation | The plan will provide guaranteed cash value, non-guaranteed Annual Dividends (if any) and a one-off non-guaranteed Terminal Dividend (if any) |
Extra Coverage for More Protection | If the insured becomes totally and permanently disabled before the age of 60, future premium for Admire Life 2 will be waived. If the insured is from the People’s Republic of China or is a juvenile, the plan will waive the future premium in the event of presumptive disability. Subject to underwriting decision. |
Premium Payment Terms | 5 choices of premium payment terms to suit your needs including one-time premium payment or regular premium payment of 5 / 10 / 18 / 25 years |
This is a participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)
Please refer to product brochure for details including “Key Product Risks”, “Warning Statement”, and “Additional Important Information”.
Long-term wealth accumulation Long-term Capital Growth with Life Protection
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.
Key Features
- Success Stable returns to realise your ambition
- Success Choice of Death Benefit Settlement Option, either in a lump sum payment or in regular instalments to be paid to your beneficiary
- Success Additional accidental death benefit
- Success One-time payment for whole life protection
- Success Realise potential returns with the Terminal Dividend Lock-in Option
- Success Easy to join
Stable returns to realise your ambition |
The plan’s guaranteed cash value enables 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. Once the policy has been in force for 2 years, we will provide you with a non-guaranteed cash amount distributed on a yearly basis, called Annual Dividends (if any). You may choose to receive the non-guaranteed Annual Dividends in cash, or leave them to accumulate in your policy, potentially earning interest. Once the policy has been in force for 2 years, we will also provide you with a one-off non-guaranteed cash amount, called a Terminal Dividend (if any), if:
Payment of the Terminal Dividend is not guaranteed. We determine the amount at our sole discretion and may be zero. The non-guaranteed Terminal Dividend (if any) does not form a permanent addition to the policy and it may be increased or decreased at subsequent declarations. |
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Realise potential returns with the Terminal Dividend Lock-in Option | Through the Terminal Dividend Lock-in Option, Fortune Promise 2 helps you to realise potential returns by transferring a percentage of the latest value of the non-guaranteed Terminal Dividend (if any) into a Terminal Dividend Lock-in Account to earn interest at a non-guaranteed rate. This is available once per policy year, starting from the end of the 15th policy year. To provide further flexibility for your financial needs throughout various life stages, subject to our rules and regulations, you can also withdraw cash from the Terminal Dividend Lock-in Account anytime without reducing the principal amount of your policy, where the principal amount is used to calculate the premium and relevant policy values and will not be payable as death benefit. Any balance of your Terminal Dividend Lock-in Account may accumulate at a non-guaranteed accumulation interest rate that may be declared by us from time to time. |
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Choice of Death Benefit Settlement Option, either in a lump sum payment or in regular instalments to be paid to your beneficiary | If the insured, who is the person protected under the policy, passes away, AIA will pay the death benefit to the person whom you select in your policy as beneficiary. The death benefit will include:
Plus any remaining balance of the Terminal Dividend Lock-in Account (if applicable). The percentage of your one-time premium paid that may be payable under your death benefit will differ by policy year, as shown in the table below:
AIA will deduct all outstanding debt (if any) under your policy before it makes the payment to the beneficiary. 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 at least equal to 2% of the sum of the death benefit and accidental death benefit, subject to AIA’s prevailing rules. The remaining amount of benefits will be left with insurer to accumulate interest at a non-guaranteed interest rate determined by them, until the full amount of 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. |
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Additional accidental death benefit | In addition to the death benefit, if the insured passes away due to a covered accident within the first 36 months of the policy, the accidental death benefit will be equal to 15% of the one-time premium paid for your basic plan. The maximum aggregate amount of the Accidental Death Benefit with respect to the same insured under all Fortune Promise 2 policies is US$150,000 and the benefit payable under each policy will be prorated according to its one-time premium paid for your basic plan. |
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Easy to join | 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. |
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”.
Guaranteed Annual Income
AIA Spring Income Plan is a participating insurance plan that provides you guaranteed cash value, guaranteed death value, guaranteed annual income, non-guaranteed Annual Dividends (if any) as well as non-guaranteed Terminal Dividend (if any).
Key Features
- Success Stable returns for a brighter future
- Success Short premium payment terms for a prompt income
- Success Guaranteed annual income
- Success Life Protection
- Success Benefit received when policy matures
- Success Easy to join
- Success US dollars or HK dollars as policy currency
Stable returns for a brighter future | Provides you with guaranteed cash value, guaranteed death value, guaranteed annual income, as well as non-guaranteed Annual Dividends (if any). Once the policy has been in force for 5 years or more, it will also provide you with a one-off non-guaranteed Terminal Dividend (if any) if:
You may also choose to receive the guaranteed annual income and non-guaranteed Annual Dividends (if any) in cash or allow these sums to accumulate in your policy with potential interest (if any), and withdraw them at any time on or before the maturity of your policy in a lump sum. |
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Short premium payment terms for a prompt income | You can choose a one-time premium payment, or you can spread payments over a 3-year or 5-year period and receive the guaranteed annual income from the end of the policy year after the policy paid up, until the end of the income period (the income period is the period during which you will receive guaranteed annual income). |
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Guaranteed annual income | Offers guaranteed annual income throughout the income period.
You can also choose to receive your guaranteed annual income under the level mode or the increasing mode when applying for this plan:
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Life Protection | If the insured passes away within the first 3 policy years (for one-time premium payment policy) / prior to the commencement of the Income Period (for 3-year or 5-year premium payment policy)
If the insured passes away after the end of the 3rd policy year (for one-time premium payment policy) / after the start of the income period (for 3-year or 5-year premium payment policy), but before the policy matures
If the insured passes away due to a covered accident within the first 3 policy years (for one-time premium payment policy)/ prior to the commencement of the Income Period (for 3-year or 5-year premium payment policy), AIA Spring Income Plan also pays an additional benefit equal to the total annual premiums paid for the basic plan with no extra premium loading. The maximum aggregate amount payable relating to this benefit is US$1,000,000 / HK$7,500,000 taking into account all policies issued with any benefit of a similar nature paid or payable for the same insured. |
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Benefit received when policy matures | At the end of the benefit term, the policy will mature and a maturity benefit will be paid to you. This benefit will include:
AIA will deduct all outstanding debt under your policy before making payment to you and provided that the insured lives till the end of the benefit term. |
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Easy to join | No medical examination is required, subject to the prevailing rules and regulations |
This is a participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)
Please refer to product brochure for details including “Key Product Risks”, “Key Exclusions to Accidental Death Benefit”, “Warning Statement”, and “Additional Important Information”.
Simply Love Encore 5
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.
Key Features
- Success Life protection with stable returns
- Success Change of Insured Option and Contingent Insured Option to pass your legacy across future generations unlimitedly
- Success Unemployment Benefit for extra flexibility during tough times (applicable for a 5-year or 10-year premium payment policy only)
- Success Flexible premium payment terms
- Success Terminal Dividend Lock-in Option to realise potential returns
- Success Death Benefit Settlement Option to allow for flexible legacy planning
- Success Simply apply with no medical examination required
Life protection with stable returns | Simply Love Encore 5 provides guaranteed cash value, non-guaranteed Annual Dividends (if any) and non-guaranteed Terminal Dividend (if any). If the insured passes away and no contingent insured has become the new insured, AIA will pay the death benefit to the person whom you select in your policy as beneficiary. The death benefit will include the higher of:
plus
All outstanding debt under the policy will be deducted before making the above 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, the accidental death benefit will equal the total premiums paid or one-time premium paid (if applicable) for the basic plan. The maximum aggregate amount of the accidental death benefit with respect to the same insured under all Simply Love Encore 5 polices is US$100,000 / HK$750,000 and the benefit payable under each policy will be prorated according to its total premiums paid or one-time premium paid (if applicable) for the basic plan. |
Terminal Dividend Lock-in Option to realise potential returns | Through the Terminal Dividend Lock-in Option, Simply Love Encore 5 enables you to realise potential returns by transferring the latest value of the non-guaranteed Terminal Dividend into a Terminal Dividend Lock-in Account to earn interest at a non-guaranteed rate. This is available once per policy year, starting from the end of the 15th policy year. To provide further flexibility for your financial needs throughout various life stages, subject to AIA ’s rules and regulations, you can also withdraw cash from the Terminal Dividend Lock-in Account anytime without reducing the principal amount of your policy, where the principal amount is used to calculate the premium and relevant policy values and will not be payable as death benefit. Any balance of your Terminal Dividend Lock-in Account may accumulate at a non-guaranteed accumulation interest rate that may be declared by AIA from time to time. |
Change of Insured Option and Contingent Insured Option to pass your legacy across future generations unlimitedly | During the lifetime of the current insured 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, adding extra flexibility to your legacy planning. 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. |
Death Benefit Settlement Option to allow for flexible legacy planning | 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 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$50,000*. *If the policy is issued in a currency other than US$, the amount would be available in the respective policy currency and the prevailing exchange rate will be used to calculate the above amount. |
Unemployment Benefit for extra flexibility during tough times (applicable for a 5-year or 10-year premium payment policy only) | Unemployment may cause a significant impact on your finances. To help ease your financial burden while keeping the insured protected, you may claim for the Unemployment Benefit if you are laid off and become involuntarily unemployed during the premium payment term of the basic plan. Once your application approved, the grace period for late premium payment under the basic plan and any add-on plans will be extended from 31 days up to 365 days. The Unemployment Benefit is available once per policy and relevant proof is required. |
Simply apply with no medical examination required | No medical examination is required for your application as long as the total annual premiums or one-time premium payment (if applicable) does not exceed the aggregate limit set for each insured, subject to AIA’s prevailing rules and regulations. |
Flexible premium payment terms | With Simply Love Encore 5, you can select from three premium payment terms according to your personal financial needs. You can choose a one-time premium payment, or you can spread payments over a 5-year or 10-year period. |
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”, “Note for Unemployment Benefit for a 5-year or 10-year premium payment policy”, “Warning Statement” and “Additional Important Information”.
Preserve your legacy with life protection
AIA Wealth Elite 2 - Sapphire is a participating whole-life insurance plan that covers the entire lifespan of the insured. AIA will distribute the profit generated from this product group by declaring a non-guaranteed Reversionary Bonus (if any) and a non-guaranteed Terminal Bonus (if any) to you at least once per year starting from the end of the 3rd policy year.
Key Features
- Success Preserve your legacy with life protection
- Success Death Benefit Settlement Option
- Success Receive potential returns through bonuses
- Success Protect your family with Mental Incapacity Option
- Success Prepare in advance with pre-underwriting
- Success One-time premium payment
Preserve your legacy with life protection | AIA Wealth Elite 2 - Sapphire evolves with your changing needs from one life stage to the next. When you are younger and your financial commitments are likely to be greater, the plan puts greater focus on life protection. The death benefit can become an immediate source of funds for your designated beneficiary so you can protect the financial security of your loved ones. As you grow older, your financial obligations along with the need for life protection will usually decrease. The focus of the plan will then shift from life protection to wealth accumulation, so you can plan for your legacy. Death Benefit The death benefit will be payable as follows:
AIA will deduct all outstanding debt (if any) under the policy before AIA make the payment to the beneficiary. |
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Death Benefit Settlement Option | During the lifetime of the insured, you can select specific benefit amounts 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. The remaining amount of benefit will be left with AIA to accumulate interest at a non-guaranteed interest rate determined by AIA, until the full amount of benefit has been paid to the beneficiary. The death benefit settlement option is not available if the 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 will be paid immediately after the claim is approved. The remaining payment of death benefit will be made a regular interval thereafter. |
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Receive potential returns through bonuses | AIA Wealth Elite 2 - Sapphire is a participating whole-life insurance plan that covers the entire lifespan of the insured (who is being protected under the policy). AIA will distribute the profit generated from this product group by declaring a non-guaranteed Reversionary Bonus (if any) and a non-guaranteed Terminal Bonus (if any) to you at least once per year starting from the end of the 3rd policy year. |
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Protect your family with Mental Incapacity Option | After the end of the 3rd policy year, if you are the insured, you may designate an aged 18 or above family member in advance. The designated family member can withdraw the policy value on your behalf, up to the designated percentage of total cash value on the date of withdrawal approval when you are diagnosed as a permanent mentally incapacitated person. |
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Prepare in advance with pre-underwriting | Subject to AIA’s prevailing rules and regulations, you can plan your future desired additional life coverage amount by applying for the Pre-underwriting Option during the policy application, provided that the insured is aged 60 or below. |
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One-time premium payment | To allow for greater control over your finances, AIA Wealth Elite 2 - Sapphire only requires one premium payment, so you won’t have to worry about any future premium payments. |
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”, “Note for Pre-underwriting Option”, “Note for Mental Incapacity Option”, “Warning Statement” and “Additional Important Information”.
Life Insurance with Flexibility of Financial Legacy
AIA Wealth Preserver 5 is a Universal Life insurance plan that offers whole-life insurance protection as well as flexibility to manage your financial legacy. Your policy can be designed to facilitate your wealth distribution arrangements, so you can continue nurturing your family even beyond your lifetime.
Key Features
- Success Enjoy stability with a guaranteed crediting interest rate
- Success Wealth preservation
- Success Life insurance protection
- Success Flexible premium payments
- Success Accessible cash
- Success US dollars as policy currency
- Success Choice of death benefit settlement option, either in a lump sum payment or in regular instalments
Enjoy stability with a guaranteed crediting interest rate | Beyond protection and preservation, AIA Wealth Preserver 5 provides the opportunity to enhance the value of your wealth by guaranteeing a minimum crediting interest rate of 2.00% per annum for the duration of your policy. |
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Wealth preservation | Your premiums will accumulate in your policy as Account Value, which is subject to charges that will support the maintenance of your policy. Net of these charges, your Account Value will earn interest throughout the duration of your policy. The Account Value will be accumulated at a non-guaranteed crediting interest rate declared by AIA from time to time, but at any time such crediting interest rate will not be less than 2.00% per annum. In addition, the policy offers an interest rate lock for premiums paid during the first policy year, enabling you to enjoy a guaranteed crediting interest rate until the end of the first policy year based on the crediting interest rate declared by AIA at the time of each premium payment. |
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Premium Charge* | 6.5% of each premium payment * Premium charge is calculated at the prevailing premium charge rate which AIA may decide from time to time |
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Administration Charge | Based on the Current Sum Assured and deducted monthly for the first 15 years of each coverage layer; charge varies according to the insured’s age at issue, gender, usual residence and health status |
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Cost of Insurance | Based on the Sum at Risk and deducted monthly until the insured reaches the age of 120; charge varies according to the insured’s attained age, Sum Assured, gender, usual residence, health status and smoking status. |
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Surrender Charge | Based on the Current Sum Assured and applicable in the first 15 years of each coverage layer upon:
Charge varies according to the insured’s age at issue, gender, usual residence, health status and the number of years that the coverage layer has been in force |
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Life Insurance Protection | Upon the death of the insured, the Death Benefit will be paid to your nominated beneficiary(ies) under your policy. The amount of the Death Benefit is calculated as follows:
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Terminal Illness Benefit | A one-off advance payment of the Death Benefit upon diagnosis of terminal illness, with a maximum aggregate limit of US$2,000,000 Sum at Risk, taking into account all similar or other coverage and benefits relating to terminal illness under all the insurance policies issued by AIA covering the same insured. |
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Flexible Premium Payments | You can choose to pay your premium either in one lump sum or over a set period annually, and you can choose the amount and frequency of additional premiums anytime after paying the first premium, provided that you satisfy the minimum and maximum premium requirements. |
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Accessible cash | The plan allows you to withdraw part of the Account Value from your policy after the first policy year (or, in relation to additional premiums, one year following the date of payment of the additional premium). Each withdrawal amount must not be less than the Minimum Partial Withdrawal amount. |
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Choice of death benefit 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, subject to AIA’s prevailing rules and regulations. The death benefit settlement option is not available if the death benefit payable is less than US$50,000, subject to AIA’s prevailing rules and regulations. |
This is a universal life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)
Please refer to product brochure for details including “Key Product Risks”, “Key Exclusions for the terminal illness benefit”, “Warning Statement” and “Additional Important Information”.
Boost Your Wealth Potential
AIA Wealth Enrich helps you accumulate wealth towards an even brighter future. You may enjoy whole life coverage with the added flexibility to meet your changing needs, while paving a way towards a brighter future for the ones you love.
Key Features
- Success Tap into wealth growth opportunities
- Success Safeguard your returns with a tailored option
- Success Meet life’s changing needs with flexible withdrawals
- Success Preserve your legacy for your loved ones
- Success One-time premium payment for assurance
Tap into wealth growth opportunities | 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
Terminal Dividend
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. |
Safeguard your returns with a tailored option | 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 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. |
Meet life’s changing needs with flexible withdrawals | 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:
AIA will deduct all outstanding debt under the policy before it makes the payment for your withdrawal. |
Preserve your legacy for your loved ones | 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:
plus
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 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. |
Easy to join | 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. |
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 precise terms and conditions of this plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover.
Flexible Legacy Planning and Multi-Currency Options
AIA Global Power Multi-Currency Plan 2 is a participating life insurance product. It can help you seize global opportunities, allocate your assets flexibly and accumulate long-term wealth towards achieving your financial goals.
Key Features
- Success Up to 8 currency options for you to access the advantages of global currencies
- Success Choice of 4 premium payment terms
- Success Bonus Lock-in Option to realise potential gains
- Success Change of Insured Option and Contingent Insured Option that can be exercised an unlimited number of times
- Success Rewards for academic excellence
- Success Currency Exchange Options for accessing the advantages of global currencies
- Success Policy Split Option enables flexible asset allocation
- Success Bonus Unlock Option for reallocating bonuses to enjoy potential returns
- Success Choose your preferred settlement option to pass on your assets to future generations as you wish
- Success Extension of Grace Period Benefit
Up to 8 policy currency options at inception for diversified planning | 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. |
Choice of 4 premium payment terms | 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. |
Currency Exchange Option for accessing the advantages of global currencies | 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. |
Policy Split Option enables flexible asset allocation | 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 and Bonus Unlock Option cater to your evolving financial needs | 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. |
Change of Insured Option and Contingent Insured Option that can be exercised an unlimited number of times | 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. |
Withdraw cash flexibly to fulfil your changing needs | 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. |
Life Insurance Protection | The death benefit will include the higher of:
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Death Benefit Settlement Option | 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. |
The Educational Merit Benefit - Rewards for academic excellence | 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. |
Extension of Grace Period Benefit | 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. |
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”, “Note for Extension of Grace Period Benefit”, “Warning Statement” and “Additional Important Information”. The precise terms and conditions of this plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover.
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