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Life Insurance

Life Protection

When the worst happens, you want to know that your family is taken care of. A life insurance plan provides that life protection you’re looking for as well as wealth accumulation options. Browse through the right protection below.

74% of people feel their health is not as good as it was 5 years ago 6
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How Much Life Protection Do You Need?

  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$
  • 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
  • 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$
  • 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$
  • 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

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

Life 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”.

Preserve Your Wealth with Life Protection


AIA Wealth Elite is a participating insurance plan which distributes your share of the profit generated from this product group to you through a non-guaranteed Reversionary Bonus (if any) and non-guaranteed Terminal Bonus (if any), which are declared under your policy at least once per year.

Key Features

  • Success Potential to grow your legacy
  • Success Distributing your share of the profit through a non-guaranteed Reversionary Bonus and non-guaranteed Terminal Bonus
  • Success Preserve your wealth 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
Potential to grow your legacy

AIA Wealth Elite offers a guaranteed cash value plus non-guaranteed bonuses, meaning you can set up lasting financial security for future generations.

Distributing share of the profit

A non-guaranteed Reversionary Bonus and non-guaranteed Terminal Bonus which are declared under the policy at least once per year.

  1. Reversionary Bonus: a non-guaranteed bonus, the face value of which will become guaranteed and forms a permanent addition to the policy once it is declared. It may be cashed out or left to accrue in the policy throughout its duration, allowing the value of the policy to grow with time.
  2. 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 wealth 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 values of Reversionary Bonus accumulated (if any) and Terminal Bonus (if any).

If the insured passes away after the above times

80% of the sum assured plus the face values of Reversionary Bonus accumulated (if any) and 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

Apart from a lump sum payment, you can select fixed 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 insurer’s prevailing rules and regulations.

Grow your wealth with added flexibility

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

  1. guaranteed cash value;
  2. non-guaranteed cash value of Reversionary Bonus (if any); plus
  3. 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);
  2. face value of Reversionary Bonus (if any); and
  3. face value of Terminal Bonus (if any).

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

AIA Wealth Elite offers life insurance cover until the insured turns 100 years old. 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.

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”.

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 fixed 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

These short simple guides help you understand your financial options and how to make the right choice. See all guides

Why Life Insurance Fits into Every Financial Portfolio

Due to their regular payouts, life insurance can complement your investments, making it a valued part of holistic financial planning.

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How to Pick Life Insurance

A Q&A featuring essential questions and things to consider when deciding what kind of protection you need.

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