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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 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), all of which form your policy values.

Learn more on AIA Admire Life 2
Learn more on AIA Fortune Promise

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

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>

Potential to grow your legacy


AIA Wealth Optima is a participating insurance plan which distributes the profit generated from this product group by declaring a non-guaranteed Terminal Bonus to you at least once per year starting from the end of the 10th policy year.

Learn more on AIA Wealth Optima

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

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 Capital Growth with Life Protection


AIA Fortune Promise is a participating insurance plan that provides you with guaranteed cash future for yourself and your family. In addition, value, enabling you to accumulate wealth and secure a prosperous non-guaranteed Annual Dividends (if any) and non-guaranteed Terminal Dividend (if any), all of which form your policy values.

Key Features

  • Success Life protection with stable returns
  • Success Additional accidental death benefit
  • Success Accumulate wealth with guaranteed cash value, non-guaranteed Annual Dividends (if any) and one-off non-guaranteed Terminal Dividend (if any)
  • Success Choice of death benefit settlement option, either in a lump sum payment or in regular instalments
  • Success One-time payment for whole life protection
  • Success Easy to join
  • Success US dollars as policy currency
Product at a glance
Lifetime Insurance Protection

If the insured 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 under the policy; plus
  3. non-guaranteed Terminal Dividend (if any).

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 under your policy before it makes the payment to the beneficiary.

Additional accidental death benefit

If the insured passes away due to a covered accident within the first 36 months of the policy, AIA Fortune Promise pays an additional accidental death benefit equal to 15% of the one-time premium paid for your basic plan on top of the death benefit. The maximum aggregate amount of this additional accidental death benefit under all AIA Fortune Promise policies for the same insured will be US$150,000.

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), all of which form your policy values.

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 and accidental death benefit, subject to AIA’s prevailing rules. Remaining amount of benefits will be left in insurer to accumulate at the non-guaranteed interest rate determined by them from time to time, until the full amount of benefits has been paid to the beneficiary.


The death benefit settlement option is not available if the death benefit payable is less than US$50,000, subject to AIA’s prevailing rules.

Easy to join

No medical examination is required for a new 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.

One-time payment for whole life protection

AIA Fortune Promise is available to insureds between 15 days and age 70. The plan is denominated in US dollars, with a one-time premium payable in a lump sum, avoiding the obligation of long-term premium payments while providing whole life protection.


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
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”.

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”.

Potential to grow your legacy


AIA Wealth Optima is a participating insurance plan which distributes the profit generated from this product group by declaring a non-guaranteed Terminal Bonus to you at least once per year starting from the end of the 10th policy year.

Key Features

  • Success Create wealth and ensure a brighter future
  • Success Preserve your legacy with life protection
  • Success Choice of death benefit settlement option, either in a lump sum payment or in regular instalments
  • Success Grow your wealth with added flexibility
  • Success Maturity benefit to celebrate your centenary
  • Success One-time premium payment for protection up to the age of 100
  • Success US dollars as policy currency
Product at a glance
Create wealth and ensure a brighter future

A non-guaranteed Terminal Bonus is declared to you at least once per year starting from the end of the 10th policy year.


1. Terminal Bonus: A non-cumulative, non-guaranteed bonus, the amount of which is valid until the next declaration. The amount in each declaration may be greater or lesser than the previous amount based on a number of factors, including but not limited to investment returns and general market volatility.

Preserve your legacy with life protection

If the insured passes away, the death benefit will be paid to the person whom you select in your policy as beneficiary as follows:


Death benefit
If the insured passes away before the age of 70, or within the first 20 policy years (whichever is later)

The higher of:

  1. 100% of the sum assured; and
  2. 80% of the sum assured plus the face value of Terminal Bonus (if any).
If the insured passes away after the above period

The sum of:

  1. 80% of sum assured (which will be reduced by 2% of the sum assured immediately after the end of each policy year for consecutive 15 policy years, until it reaches 50% of the sum assured); and
  2. The face value of Terminal Bonus (if any).

In any event, all outstanding debt under the policy will be deducted before making the above payment to the beneficiary.

Choice of death benefit settlement option - either in a lump sum payment or in regular instalments

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 insurer’s prevailing rules and regulations. Remaining amount of benefits will be left in insurer to accumulate at the non-guaranteed interest rate determined by them from time to time, until the full amount of benefits has been paid to the beneficiary.


The death benefit settlement option is not available if the death benefit payable is less than US$50,000, subject to insurer’s prevailing rules and regulations.

Grow your wealth with added flexibility

AIA Wealth Optima offers the opportunity for long-term wealth accumulation in the form of:


  1. guaranteed cash value; and
  2. non-guaranteed cash value of Terminal Bonus (if any).
Maturity benefit to celebrate your centenary

If the insured survives to age 100, the policy will mature and the payment of the sum of the following will be made:


  1. guaranteed cash value, which equals the premium you paid (excluding any extra premium loading); and
  2. face value of Terminal Bonus (if any).

In any event, all outstanding debt under the policy will be deducted before making the above payment.

One-time premium payment for protection up to the age of 100

AIA Wealth Optima offers life insurance cover until the insured turns 100 years old. It is available to the insured between the ages of 18 and 58 (subject to insurer’s prevailing underwriting rules), with a sum assured starting from US$1,000,000. The plan is denominated in US dollars, with a one-time premium (also known as Single Premium in the illustrative document) payable in a lump sum, avoiding the obligation of long-term 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”, “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”.

The Citi 3-Minute Guides

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