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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 2
Learn more on AIA Fortune Promise 2

Plan a Brighter Future with Flexible Multi-Currency Options

AIA Global Power Multi-Currency Plan 3 is a participating life insurance plan. It can help you seize the opportunities not only locally, but globally. Whether you are funding your children’s education overseas or to start life afresh overseas for personal pursuit or retirement, the flexibility of access to global currencies is crucial.

Learn more on AIA Global Power Multi-Currency Plan 3

Stable 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 – Sapphire

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.

Learn more on AIA Wealth Preserver 5

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).

Learn more on AIA Spring Income Plan

50% parents wish to leave a financial legacy for their children 4
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How much have you done to build your legacy?

  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How much have you currently saved and within what time frame do you want to achieve your savings goal

HK$
HK$

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  • The “first pot of gold” has risen from HK$2 million to HK$2.4 million4,5
  • The 3 most important savings goals are to travel around the world, own an apartment and retire early4,5
  • People hold almost 60% of personal assets in cash and deposits but these assets do not keep pace with inflation4,5
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How are you planning for your children's education

HK$
My child is

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  • 90% of parents aim to support their children through university1
  • Parents plan to save HK$440,000 per child1
  • Parents have a gap of 60% between their initial savings goal and the actual cost of education1
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How much life insurance do you already have?

HK$

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  • 74% of people are concerned about the risk of heart disease and cancer6
  • 74% of people feel their health is not as good as it was five years ago6
  • The main source of stress are work pressure (77%); financial worries (75%); managing family needs (72%)6
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How much have you set aside for your retirement?

HK$

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  • 65% of people are not confident that they will achieve their desired retirement goals2
  • The average retirement age for people in HK is 61 years old2,3
  • The median desired spend after retirement for people in HK is HK$13,386 per month2
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

Tell us about yourself

1. Whats your gender?
2. Is your spouse currently working?
3. How old are you?
4. What is your monthly income?
HK$
5. How many dependents rely on you, excluding children

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Ammount needed for HK$ 24,000,000

Total Gap: HK$ 24,000,000

Savings Gap

Education Gap

Life Protection Gap

Retirement Gap

You’re looking to build the future you dream of. Our advisors are ready to help you achieve it.

  • 75% of people do not seek help from a financial advisor to formulate an investment or retirement plan7
  • Almost 70% of people have no idea about their investment returns7

Lifetime 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
Product at a glance
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:

  1. the sum assured of the policy;
  2. non-guaranteed Annual Dividends which have accumulated with interest under the policy; plus
  3. a one-off non-guaranteed Terminal Dividend (if any), provided that the policy has been in force for 5 years (for a one-time premium payment policy) or 10 years (for a policy other than one-time premium payment)

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
Product at a glance
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:


  1. you surrender the policy; or
  2. the insured passes away.

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.


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.

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:


  1. guaranteed cash value or a percentage of the one-time premium paid for your basic plan, whichever is higher;
  2. non-guaranteed Annual Dividends (if any) that have accumulated with interest (if any) under the policy; and
  3. non-guaranteed Terminal Dividend (if any).

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:


Policy Year Payable percentage of your one-time premium paid (%)
1st

110

2nd

115

3rd

120

4th or more

125


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.

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.

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”.

Plan a Brighter Future with Flexible Multi-Currency Options


AIA Global Power Multi-Currency Plan 3 is a participating life insurance plan. It can help you seize the opportunities not only locally, but globally. Whether you are funding your children’s education overseas or to start life afresh overseas for personal pursuit or retirement, the flexibility of access to global currencies is crucial.

Key Features

  • Success Up to 8 policy currency options for diversified planning
  • Success Currency Exchange Option exercisable from the end of the 2nd policy year for extra flexibility
  • Success Accumulate wealth with 4 premium payment term options
  • Success Policy Split Option enables flexible asset allocation
  • Success Bonus Lock-in Option to realise potential gains
  • Success Bonus Unlock Option for reallocating bonuses to enjoy potential returns
  • Success Withdraw cash flexibly to fulfil your changing needs
  • Success Change of Insured Option and Contingent Insured Option add extra flexibility for you to pass on your legacy
  • Success Shield your loved ones with Mental Incapacity Option
  • Success Choose your preferred settlement option to pass on your legacy to future generations as you wish
  • Success Rewards for academic excellence by offering Educational Merit Benefit
  • Success Extension of Grace Period Benefit
Product at a glance
Up to 8 policy currency options for diversified planning

You can select from up to 8 currencies at the time of policy application, 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 may offer different policy returns.

Currency Exchange Option exercisable from the end of the 2nd policy year for extra flexibility

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, so you can capture opportunities more flexibly in the dynamic world to meet your financial goals.

Accumulate wealth with 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.

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 needs 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 for the generations to come, or prepare funds to accomplish your goals at different life stages.

Bonus Lock-in Option and Bonus Unlock Option cater to your evolving financial needs

Bonus Lock-in Option

AIA Global Power Multi-Currency Plan 3 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 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 one year after bonus lock-in and within 30 days after the end of each policy year.

Withdraw cash flexibly to fulfil your changing needs

With AIA Global Power Multi-Currency Plan 3, you can withdraw your policy values to make your visions a reality. 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 make any payments for your withdrawal.

Change of Insured Option and Contingent Insured add extra flexibility for you to pass on your legacy

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 ease.


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 safeguard your legacy for the generations to come.

Shield your loved ones with Mental Incapacity Option

After the end of the 3rd policy year, you may designate in advance the designated percentage of policy value and an aged 18 or above family member as a designated recipient. In the event you are diagnosed as a permanent mentally incapacitated person, upon AIA’s approval of the designated recipient’s application and subject to applicable laws and AIA’s prevailing rules and conditions, he / she may receive payment equal to your designated percentage of policy value. After payment has been made under this option, any remaining policy value may continue to grow over time in the future.

Life Insurance Protection

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.
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 the death benefit and accidental death benefit will be left with AIA company to accumulate interest at the non-guaranteed interest rate determined by AIA, until the full amount of the death benefit and accidental death benefit 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.

Rewards for academic excellence by offering Educational Merit Benefit

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 one year, if the insured obtains any one of the designated achievements before the age of 25, AIA Global Power Multi-Currency Plan 3 will pay the corresponding award amount while the policy is in force. The Educational Merit Benefit will only be payable once per life under all AIA Global Power Multi-Currency Plan 3 policies.

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 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
Product at a glance
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:

  1. guaranteed cash value; and
  2. the total premiums paid or one-time premium paid (if applicable) for the 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).

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
Product at a glance
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
If the insured passes away, AIA will pay the death benefit to the person whom you select in your policy as the beneficiary.



The death benefit will be payable as follows:

If the insured passes away on or before the age of 65, or within the first 15 policy years (whichever is later)

100% of the sum assured, plus the face value of Reversionary Bonus (if any) and the face value of Terminal Bonus (if any) in the policy.

If the insured passes away after the above period

The higher of:

  1. the one-time premiums paid; and
  2. 100% of the sum assured, which will be reduced by 5% of the sum assured immediately after the end of each policy year for consecutive 10 policy years, until it reaches 50% of the sum assured; plus the face value of Reversionary Bonus (if any) and the face value of Terminal Bonus (if any) in the policy.

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

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 paid at regular intervals thereafter.

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.

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.


  • The designated family member must be your spouse, parent, child, sibling, grandparent, grandchild, or any other relationship as approved by AIA.
  • The designated percentages chosen by you cannot be less than 10% or more than 100% of the total cash value (minimum and maximum percentages are subject to AIA’s prevailing rules and regulations).
  • Mental incapacitated person means a person who is incapable, by reason of mental incapacity, of managing and administering his/her property and affairs. The diagnosis of mental incapacity must be given by 2 registered medical practitioners who are psychiatrists or neurologists.
  • You may apply to change the designated person and designated percentage of withdrawal as many times as you wish before exercising this option for cash withdrawal, subject to AIA’s approval.
  • If the total cash value of the policy is fully withdrawn under this option, the policy will terminate.
  • This option can only be exercised for the cash withdrawal once per policy.
  • AIA will deduct all outstanding debt (if any) under the policy before AIA makes the payment.
  • Prepare in advance with pre-underwriting

    Subject to AIA’s prevailing rules and regulations, you can plan for the additional life coverage amount desired for the insured in the future by applying for the Pre-underwriting Option during the policy application, provided that the insured is aged 60 or below.


  • Under Pre-underwriting Option, the medical underwriting will be performed with a specific total life coverage amount determined by you in advance, up to aggregate limit of US$20,000,000 for each insured.
  • The eligibility of Pre-underwriting Option and the pre-approved sum assured for subsequent policies of AIA Wealth Elite 2 series are subject to AIA’s underwriting result.
  • Once approved, within 36 months, you can apply for the new policies of AIA Wealth Elite 2 series for the same insured with a simplified medical underwriting, as long as the total sum assured does not exceed the total life coverage amount that has been approved in the previous medical underwriting process.
  • 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
    Product at a glance
    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.

    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.

    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

    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

    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.

    Surrender Charge

    Based on the Current Sum Assured and applicable in the first 15 years of each coverage layer upon:

    1. Policy lapse or surrender
    2. Decrease in Current Sum Assured
    3. Withdrawals

    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

    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:

    Death benefit
    If the insured passes away before the age of 120

    The higher of:

    1. The Current Sum Assured; and
    2. the Account Value

    minus outstanding debt (if any)

    If the insured passes away at or after the age of 120

    The Surrender Value

    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.

    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.

    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.

    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”.

    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
    Product at a glance
    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 surrender the policy; or
    • the insured, who is the person protected under the policy, passes away and the death benefit is payable in a lump sum.

    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.

    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).

    Guaranteed annual income

    Offers guaranteed annual income throughout the income period.

    Premium Payment Term Insured’s Age at Policy Issue Income Period Benefit Term
    One-time premium payment

    15 days to age 80

    18 years

    18 years

    3 years

    15 years

    17 years

    5 years

    19 years

    You can also choose to receive your guaranteed annual income under the level mode or the increasing mode when applying for this plan:


    Income Payment Mode Description
    Level mode

    A fixed guaranteed annual income is paid yearly giving you greater stability during retirement.

    Increasing mode

    Guaranteed annual income paid out increases annually, alleviating the effects of inflation over the long term.

    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)


    Premium Payment Term Death Benefit
    One-time premium payment
    1. total premiums paid for the basic plan, minus guaranteed annual income paid to you (if any); plus
    2. accumulated guaranteed annual income with interest (if any); plus
    3. accumulated non- guaranteed Annual Dividends with interest (if any).
    3 years / 5 years
    1. total annual premiums paid for the basic plan with no extra premium loading; plus
    2. accumulated non-guaranteed Annual Dividends with interest (if any).

    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


    Premium Payment Term Death Benefit
    One-time premium payment / 3 years / 5 years
    1. future unpaid guaranteed annual income;
    2. accumulated guaranteed annual income with interest (if any);
    3. accumulated non-guaranteed Annual Dividends with interest (if any); plus
    4. non-guaranteed Terminal Dividend (if any)(applicable to policy that has been in force for 5 years or more).

    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.

    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:

    1. accumulated guaranteed annual income with interest (if any); and
    2. accumulated non-guaranteed Annual Dividends with interest (if any).

    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.

    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”.

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