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:

AIA will deduct all outstanding debt under your policy before it makes the payment to the beneficiary.

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.

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.

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.

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.

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.

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.

Uses RMB as the policy currency. You may opt at the time of payment to receive the benefits in RMB or Hong Kong dollars.

You can also choose to pay the premium in RMB, US dollars or Hong Kong dollars.

You only have to pay the premium once and will begin to receive the guaranteed annual income from the end of the first policy year till the end of the income (the income period is the period during which you will receive guaranteed annual income).

Offers guaranteed annual income throughout the income period.

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

If the insured passes away within the first 3 policy years

If the insured passes away after the 3^rd policy year, but before the policy matures

If the insured passes away due to a covered accident within the first 3 policy years, AIA RMB Spring Income Plan also pays an additional benefit equal to the total premiums paid for your basic plan. The maximum aggregate amount payable relating to this benefit is US$1,000,000 taking into account all policies issued with any benefit of a similar nature paid or payable for the same insured.

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 make payment to you and provided that the insured lives till the end of the benefit term.

No medical examination is required, subject to the prevailing rules and regulations

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.

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.

6.5% of each premium payment

^* Premium charge is calculated at the prevailing premium charge rate which AIA may decide from time to time

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

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.

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

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:

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.

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.

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.

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.