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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

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>

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

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.

Learn more on AIA Wealth Enrich
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”.

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”.

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 made a regular interval 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.
  • This option is not applicable to the policy which has been assigned.
  • 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 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.


  • 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 are subject to AIA’s underwriting result.
  • Once approved, within 36 months, you can apply for the new policies of AIA Wealth Elite 2 - Sapphire 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”.

    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
    Product at a glance
    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

    • Non-guaranteed Annual Dividends (if any) will be declared to your policy at least once per year, starting from the end of the 5th policy year.
    • Choose to receive the Annual Dividends (if any) in cash or to accumulate in your policy with non-guaranteed interest.

    Terminal Dividend

    • One-off non-guaranteed Terminal Dividend (if any) will be provided upon policy surrender or death of the insured after the policy has been in force for 5 years.

    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
    You can decide on what percentage of the non-guaranteed Terminal Dividend to transfer, with the condition that the percentages cannot be less than 10% or more than 70% (minimum and maximum percentages are subject to AIA’s prevailing rules and regulations) and the Lock-in Amount is subject to a minimum amount that is determined by AIA from time to time. The calculation of the Lock-in Amount is based on the latest value of the non-guaranteed Terminal Dividend. All outstanding debt under your policy will be deducted from the Lock-in Amount (up to a maximum deduction amount equal to the Lock-in Amount) before it is transferred into your Terminal Dividend Lock-in Account. Once the Lock-in Amount is transferred into the Terminal Dividend Lock-in Account, the non-guaranteed Terminal Dividend as at the relevant policy year and the non-guaranteed Terminal Dividend to be declared for all subsequent policy years will be reduced accordingly. The transfer of the Lock-in Amount cannot be reversed once the Terminal Dividend Lock-in Option is exercised.


    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:

    • guaranteed cash value; plus
    • non-guaranteed Annual Dividends (if any) that have accumulated with interest (if any) under the policy; plus
    • non-guaranteed Terminal Dividend (if any); plus
    • any remaining balance of the Terminal Dividend Lock-in Account (if applicable) followed by the termination of your policy

    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:

    1. guaranteed cash value; and
    2. one-time premium paid for your 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)

    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
    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, in whom you and the beneficiary have insurable interest. That way, the value of your policy can be inherited by later 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 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.

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    Explore other Life Plans

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