Just a moment please.
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.

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, a non-guaranteed Annual Dividends (if any) and non-guaranteed Terminal Dividend (if any) will also be provided.

Learn more on AIA Admire Life 2

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

Term life protection at affordable premiums

Expert Term Life Plan / Expert Term Life Supplementary Contact is a term life insurance product with sum assured starting from US$500,000 or HK$3,750,000 that provides more protection with the flexibility you deserve. Premiums are affordable and guaranteed to remain unchanged within each renewal period. The plan is also guaranteed to be renewable at the end of each renewal period up to the age of 85.
Expert Term Life Plan is available as a basic plan; and Expert Term Life Supplementary Contract is available as an add-on plan.

Learn more on Expert Term Life Plan / Expert Term Life Supplementary Contact

Wisdom Term Life Plan / Wisdom Term Life Supplementary Contact is a term life protection insurance plan that provides you and your family with ample protection at affordable premiums which are guaranteed to remain unchanged within each renewal period. The plan is also guaranteed to be renewable at the end of each renewal period up to the age of 85.
Wisdom Term Life Plan is available as a basic plan; and Wisdom Term Life Supplementary Contract is available as an add-on plan.

Learn more on Wisdom Term Life Plan / Wisdom Term Life Supplementary Contact
74% of people feel their health is not as good as it was 5 years ago 6
Chat

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$

Something isn't quite right. Please check the highlighted fields.

  • 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

Something isn't quite right. Please check the highlighted fields.

  • 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$

Something isn't quite right. Please check the highlighted fields.

  • 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$

Something isn't quite right. Please check the highlighted fields.

  • 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

Something isn't quite right. Please check the highlighted fields.

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 legacy with life protection


AIA Wealth Elite 2 - Sapphire is a participating whole-life insurance plan that covers the entire lifespan of the insured. AIA will distribute the profit generated from this product group by declaring a non-guaranteed Reversionary Bonus (if any) and a non-guaranteed Terminal Bonus (if any) to you at least once per year starting from the end of the 3rd policy year.

Key Features

  • Success Preserve your legacy with life protection
  • Success Death Benefit Settlement Option
  • Success Receive potential returns through bonuses
  • Success Protect your family with Mental Incapacity Option
  • Success Prepare in advance with pre-underwriting
  • Success One-time premium payment
Product at a glance
Preserve your legacy with life protection

AIA Wealth Elite 2 - Sapphire evolves with your changing needs from one life stage to the next.


When you are younger and your financial commitments are likely to be greater, the plan puts greater focus on life protection. The death benefit can become an immediate source of funds for your designated beneficiary so you can protect the financial security of your loved ones. As you grow older, your financial obligations along with the need for life protection will usually decrease. The focus of the plan will then shift from life protection to wealth accumulation, so you can plan for your legacy.


Death Benefit
If the insured passes away, AIA will pay the death benefit to the person whom you select in your policy as the beneficiary.



The death benefit will be payable as follows:

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

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

If the insured passes away after the above period

The higher of:

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

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

Death Benefit Settlement Option

During the lifetime of the insured, you can select specific benefit amounts to be paid to your beneficiary at regular intervals chosen by you, starting from your designated date*, provided that the total annual payment is equal to at least 2% of the sum of the death benefit.


The remaining amount of benefit will be left with AIA to accumulate interest at a non-guaranteed interest rate determined by AIA, until the full amount of benefit has been paid to the beneficiary.


The death benefit settlement option is not available if the death benefit payable is less than US$50,000.


* The designated date is subject to AIA’s prevailing rules and regulations. If the Insured passes away after the designated date, the first instalment payment of death benefit will be paid immediately after the claim is approved. The remaining payment of death benefit will be paid at regular intervals thereafter.

Receive potential returns through bonuses

AIA Wealth Elite 2 - Sapphire is a participating whole-life insurance plan that covers the entire lifespan of the insured (who is being protected under the policy). AIA will distribute the profit generated from this product group by declaring a non-guaranteed Reversionary Bonus (if any) and a non-guaranteed Terminal Bonus (if any) to you at least once per year starting from the end of the 3rd policy year.

Protect your family with Mental Incapacity Option

After the end of the 3rd policy year, if you are the insured, you may designate an aged 18 or above family member in advance. The designated family member can withdraw the policy value on your behalf, up to the designated percentage of total cash value on the date of withdrawal approval when you are diagnosed as a permanent mentally incapacitated person.


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

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


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

    To allow for greater control over your finances, AIA Wealth Elite 2 - Sapphire only requires one premium payment, so you won’t have to worry about any future premium payments.

    This is a participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


    Please refer to product brochures for details including “Key Product Risks”, “Note for Pre-underwriting Option”, “Note for Mental Incapacity Option”, “Warning Statement” and “Additional Important Information”.

    Life Insurance with Flexibility of Financial Legacy


    AIA Wealth Preserver 5 is a Universal Life insurance plan that offers whole-life insurance protection as well as flexibility to manage your financial legacy. Your policy can be designed to facilitate your wealth distribution arrangements, so you can continue nurturing your family even beyond your lifetime.

    Key Features

    • Success Enjoy stability with a guaranteed crediting interest rate
    • Success Wealth preservation
    • Success Life insurance protection
    • Success Flexible premium payments
    • Success Accessible cash
    • Success US dollars as policy currency
    • Success Choice of death benefit settlement option, either in a lump sum payment or in regular instalments
    Product at a glance
    Enjoy stability with a guaranteed crediting interest rate

    Beyond protection and preservation, AIA Wealth Preserver 5 provides the opportunity to enhance the value of your wealth by guaranteeing a minimum crediting interest rate of 2.00% per annum for the duration of your policy.

    Wealth preservation

    Your premiums will accumulate in your policy as Account Value, which is subject to charges that will support the maintenance of your policy. Net of these charges, your Account Value will earn interest throughout the duration of your policy.

    The Account Value will be accumulated at a non-guaranteed crediting interest rate declared by AIA from time to time, but at any time such crediting interest rate will not be less than 2.00% per annum. In addition, the policy offers an interest rate lock for premiums paid during the first policy year, enabling you to enjoy a guaranteed crediting interest rate until the end of the first policy year based on the crediting interest rate declared by AIA at the time of each premium payment.

    Premium Charge*

    6.5% of each premium payment

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

    Administration Charge

    Based on the Current Sum Assured and deducted monthly for the first 15 years of each coverage layer; charge varies according to the insured’s age at issue, gender, usual residence and health status

    Cost of Insurance

    Based on the Sum at Risk and deducted monthly until the insured reaches the age of 120; charge varies according to the insured’s attained age, Sum Assured, gender, usual residence, health status and smoking status.

    Surrender Charge

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

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

    Charge varies according to the insured’s age at issue, gender, usual residence, health status and the number of years that the coverage layer has been in force

    Life Insurance Protection

    Upon the death of the insured, the Death Benefit will be paid to your nominated beneficiary(ies) under your policy. The amount of the Death Benefit is calculated as follows:


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

    The higher of:

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

    minus outstanding debt (if any)

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

    The Surrender Value

    Terminal Illness Benefit

    A one-off advance payment of the Death Benefit upon diagnosis of terminal illness, with a maximum aggregate limit of US$2,000,000 Sum at Risk, taking into account all similar or other coverage and benefits relating to terminal illness under all the insurance policies issued by AIA covering the same insured.

    Flexible Premium Payments

    You can choose to pay your premium either in one lump sum or over a set period annually, and you can choose the amount and frequency of additional premiums anytime after paying the first premium, provided that you satisfy the minimum and maximum premium requirements.

    Accessible cash

    The plan allows you to withdraw part of the Account Value from your policy after the first policy year (or, in relation to additional premiums, one year following the date of payment of the additional premium). Each withdrawal amount must not be less than the Minimum Partial Withdrawal amount.

    Choice of death benefit settlement option

    Apart from a lump sum payment, you can select 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”.

    Term life protection at affordable premiums


    Expert Term Life Plan / Expert Term Life Supplementary Contact is a term life insurance product with sum assured starting from US$500,000 or HK$3,750,000 that provides more protection with the flexibility you deserve. Premiums are affordable and guaranteed to remain unchanged within each renewal period. The plan is also guaranteed to be renewable at the end of each renewal period up to the age of 85.

    Expert Term Life Plan is available as a basic plan; and Expert Term Life Supplementary Contract is available as an add-on plan.

    Key Features

    • Success Guaranteed renewal up to the age of 85
    • Success Conversion Privilege
    • Success Super Lifestage Option
    • Success Terminal Illness Benefit (Applicable to Expert Term Life Plan only)
    • Success 3 renewal periods for you to choose
    Product at a glance
    Guaranteed renewal up to the age of 85

    Expert Term Life Plan / Expert Term Life Supplementary Contract guarantees that your premium will not be increased because of any changes in your health condition within each renewal period. This cover is guaranteed to be renewable at the end of each renewal period up to the age of 85 of the insured. Renewal premium of next renewal period will be based on the prevailing premium rates for the age of the insured at the time of renewal.

    Conversion Privilege

    On or before the anniversary of cover immediately following the insured’s 70th birthday, Expert Term Life Plan / Expert Term Life Supplementary Contact can be converted into a whole life protection insurance plan without requiring additional health information, subject to increase in premium and choices of products then made available for the purpose of this privilege.

    Super Lifestage Option

    Expert Term Life Plan / Expert Term Life Supplementary Contact offers you an option to purchase an additional term life insurance plan in the form of an additional add-on plan without requiring further health information upon any of the following milestone events:

    • the insured obtains a property mortgage and drawdown ofthe mortgage loan (new purchase of residential property); or
    • the insured’s marriage; or
    • the birth of a natural child of the insured (excluding adoption).
    Terminal Illness Benefit (Applicable to Expert Term Life Plan only)

    If insured is expected to pass away within 12 months due to a terminal illness, as confirmed by both the registered medical practitioner in the appropriate medical specialty and AIA’s appointed registered medical practitioner, a one-off advance payment, equal to 100% of the sum assured will be paid as Terminal Illness Benefit to help you alleviate the financial burden of medical expenses. The sum assured will be reduced accordingly after the advance payment is paid. The maximum aggregate amount of payment to be made by AIA under all terminal illness benefit(s) to be issued by AIA will be US$2,000,000 or HK$15,000,000 for the same insured.

    3 renewal periods for you to choose

    Expert Term Life Plan / Expert Term Life Supplementary Contact provides 3 renewal periods for you to choose from: 1 year, 5 years and 20 years.

    This is a non-participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


    Please refer to product brochure for “Key Product Risks”, “Key Exclusions”, “Premium Adjustment”, “Warning Statement” and “Additional Important Information”.

    Term life protection at affordable premiums


    Wisdom Term Life Plan / Wisdom Term Life Supplementary Contact is a term life protection insurance plan that provides you and your family with ample protection at affordable premiums which are guaranteed to remain unchanged within each renewal period. The plan is also guaranteed to be renewable at the end of each renewal period up to the age of 85.

    Wisdom Term Life Plan is available as a basic plan; and Wisdom Term Life Supplementary Contract is available as an add-on plan.

    Key Features

    • Success Guaranteed renewal up to the age of 85
    • Success Conversion Privilege
    • Success Super Lifestage Option
    • Success Terminal Illness Benefit (Applicable to Wisdom Term Life Plan only)
    • Success 3 renewal periods for you to choose
    Product at a glance
    Guaranteed renewal up to the age of 85

    Wisdom Term Life Plan / Wisdom Term Life Supplementary Contract guarantees that your premium will not be increased because of any changes in your health condition within each renewal period. This cover is guaranteed to be renewable at the end of each renewal period up to the age of 85 of the insured. Renewal premium of next renewal period will be based on the prevailing premium rates for the age of the insured at the time of renewal.

    Conversion Privilege

    On or before the anniversary of cover immediately following the insured’s 70th birthday, Wisdom Term Life Plan / Wisdom Term Life Supplementary Contact can be converted into a whole life protection insurance plan without requiring additional health information, subject to increase in premium and choices of products then made available for the purpose of this privilege.

    Super Lifestage Option

    Wisdom Term Life Plan / Wisdom Term Life Supplementary Contact offers you an option to purchase an additional term life insurance plan in the form of an additional add-on plan without requiring further health information upon any of the following milestone events:

    • the insured obtains a property mortgage and drawdown of the mortgage loan (new purchase of residential property); or
    • the insured’s marriage; or
    • the birth of a natural child of the insured (excluding adoption).
    Terminal Illness Benefit (Applicable to Wisdom Term Life Plan only)

    If insured is expected to pass away within 12 months due to a terminal illness, as confirmed by both the registered medical practitioner in the appropriate medical specialty and AIA’s appointed registered medical practitioner, a one-off advance payment, equal to 100% of the sum assured will be paid as Terminal Illness Benefit to help you alleviate the financial burden of medical expenses. The sum assured will be reduced accordingly after the advance payment is paid. The maximum aggregate amount of payment to be made by AIA under all terminal illness benefit(s) to be issued by AIA will be US$2,000,000 or HK$15,000,000 for the same insured.

    3 renewal periods for you to choose

    Wisdom Term Life Plan / Wisdom Term Life Supplementary Contact provides 3 renewal periods for you to choose from: 1 year, 5 years and 20 years.

    This is a non-participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


    Please refer to product brochure for “Key Product Risks”, “Key Exclusions”, “Premium Adjustment”, “Warning Statement” and “Additional Important Information”.

    Explore other Life Plans

    Explore other Life Plans

    Accident & HealthCare Protection

    It’s impossible to predict when a critical illness, hospitalization or medical emergency hits. Accident & HealthCare Protection insurance plans let you concentrate on getting well without the burden of financial worries.

    Learn More

    Retirement Planning

    Get the retirement you deserve with insurance plans that provide stable returns and protection coverage from now till your golden years. Because you should retire from work, not life.

    Learn More

    Legacy Planning

    Realize your lifelong dreams and create an investment that yields a wealth of memories. Legacy insurance plans let you accumulate your wealth and leave a legacy for the next generation.

    Learn More

    Education Planning

    We all wish for a bright future for our children. Start an education fund for your child today and help your little ones realize their big dreams.

    Learn More

    Investment Planning

    Grow your wealth while ensuring you are protected against life’s twist and turns. With plans to suit every appetite, we’ll work with you to build a brighter future.

    Learn More