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Life Insurance

Retirement Planning

When it comes to planning for your golden years, don’t leave it to chance. Insurance plans suited for retirement provide stable returns and protection coverage. Here are the available plans for you:


Qualifying Deferred Annuity Policy

AIA Deferred Annuity Plan is a participating insurance plan that provides guaranteed cash value, guaranteed Monthly Annuity Payment and non-guaranteed Monthly Annuity Payment for retirement. You can choose Annuity Payment Start Age for annuitant (as the insured) to start receiving high guaranteed portion of annuity income at age 50, 55, 60, 65 or 70, and enjoy a regular annuity income stream for 10 years.

Learn more on AIA Deferred Annuity 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>

Wealth Accumulation with Guaranteed Returns

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 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

67% of people will not have enough funds for retirement 2
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How much do you need for your retirement?

  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

Qualifying Deferred Annuity Policy


AIA Deferred Annuity Plan is a participating insurance plan that provides guaranteed cash value, guaranteed Monthly Annuity Payment and non-guaranteed Monthly Annuity Payment for retirement. You can choose Annuity Payment Start Age for annuitant (as the insured) to start receiving high guaranteed portion of annuity income at age 50, 55, 60, 65 or 70, and enjoy a regular annuity income stream for 10 years

Key Features

  • Success Stable returns for retirement
  • Success 5-year premium payment term
  • Success Your choice of annuity arrangement for your retirement
  • Success Benefit received when policy matures
  • Success If the worst should happen
  • Success Protection for your loved ones
Product at a glance
Stable returns for retirement

AIA Deferred Annuity Plan is a participating insurance plan that provides guaranteed cash value, guaranteed Monthly Annuity Payment and non-guaranteed Monthly Annuity Payment for retirement. You can specify a person to become the annuitant†, who is the person to receive the Monthly Annuity Payment during the Annuity Period.

You can choose for the annuitant to start receiving Monthly Annuity Payment at age 50, 55, 60, 65 or 70 (i.e. the Annuity Payment Start Age). Alternatively, you can choose to accumulate the Monthly Annuity Payment in your policy to potentially gain interest for your withdrawal later. If no payment option has been chosen by you, AIA will pay the Monthly Annuity Payment to the annuitant monthly. You can change your payment option without additional charge.

Also, once the policy has been in force for a year, AIA will provide you with a one-off non-guaranteed cash amount (if any), called a Terminal Dividend if:

  1. you surrender the policy;
  2. the annuitant as the insured, who is the person protected under the policy, passes away before the policy matures and the death benefit is payable in lump sum (according to the death benefit calculation); or
  3. the policy matures.

Monthly Annuity Payment is comprised of both guaranteed and non-guaranteed portions. During the Annuity Period, the guaranteed cash value of this plan will decrease when the guaranteed Monthly Annuity Payment begins whilst non-guaranteed Monthly Annuity Payment will be credited into your policy on a monthly basis. Both Terminal Dividend and non-guaranteed Monthly Annuity Payment are a share of divisible surplus (if any) from
the product group.

You can also choose for the annuitant to receive the guaranteed Monthly Annuity Payment under the level pattern or the increasing pattern when applying for this plan:

Level pattern: A fixed amount of guaranteed Monthly Annuity Payment is paid monthly giving the annuitant greater stability during retirement.

Increasing pattern: Guaranteed Monthly Annuity Payment amount increases by 5% every 3 years to help with the effects of inflation.

In order to be eligible for tax deduction, the annuitant must be you or your spouse. For details on tax deductions, please visit the website of Inland Revenue Department (IRD) of HKSAR or contact IRD for tax related enquiries. You can also consult your tax and accounting advisors for tax advice.

5-year premium payment term

AIA Deferred Annuity Plan is denominated in US dollars, the minimum annual premium is US$4,800. With a 5-year premium payment term and premium amounts are guaranteed to remain stable throughout the entire period of your payments.

Your choice of annuity arrangement for your retirement

You have to select the ① Annuity Payment Start Age and ② Guaranteed Monthly Annuity Payment Pattern when you apply the policy (see the table below).

To provide you with a greater flexibility, you may opt to change once for each of these options during the following period:

  1. from the end of the 2nd policy year or when the annuitant reaches age 49 (whichever is later), to
  2. for the change of Annuity Payment Start Age, you should apply for 30 days before both the originally and newly selected Annuity Payment Start Age; for the change of Guaranteed Monthly Annuity Payment Pattern, you should apply for 30 days before your selected Annuity Payment Start Age.

All subsequent guaranteed Monthly Annuity Payment, any non-guaranteed Monthly Annuity Payment, guaranteed cash value and any Terminal Dividend will be adjusted according to your choice of Annuity Payment Start Age and / or Guaranteed Monthly Annuity Payment Pattern.

Premium Payment Term Annuity Period Insured’s Age at Application ① Annuity Payment Start Age ② Guaranteed Monthly Annuity Payment Pattern

Benefit Term

5 years

10 years

Age 18 – 40

Age 50

• Level

• Increasing

From policy issue to the end of Annuity Period

Age 18 – 45

Age 55

Age 18 – 50

Age 60

Age 18 – 55

Age 65

Age 18 – 60

Age 70

You can decide the amount of guaranteed Monthly Annuity Payment at the time of your application. The amount of any non-guaranteed Monthly Annuity Payment may fluctuate during the Annuity Period.

Before AIA makes payments, including Monthly Annuity Payment, surrender value, policy value at maturity and death benefit, AIA will deduct all outstanding debt under your policy.

Benefit received when policy matures

Provided that the insured is alive at the end of the benefit term, the policy will mature and AIA will pay you any accumulated Monthly Annuity Payment with interest accrued (if accumulation has been chosen as the payment option of Monthly Annuity Payment) and any Terminal Dividend in a lump sum.

If the worst should happen

If the insured passes away, AIA will pay the death benefit to the person whom you select in your policy as beneficiary. The amount of death benefit will be calculated according to the tables below.

Death Benefit

If the insured passes away before the commencement of the Annuity Period

The higher of:

  1. 110% of total premiums paid for the basic plan; and
  2. The guaranteed cash value of the policy plus any Terminal Dividend.

If the insured passes away on or after the commencement of the Annuity Period but before the policy matures

The higher of:

  1. 110% of total premiums paid for the basic plan minus any guaranteed Monthly Annuity Payment paid; and
  2. the guaranteed cash value of the policy plus any Terminal Dividend;

Plus, any accumulated Monthly Annuity Payment with interest.

In either of the cases above, AIA will deduct all outstanding debt under your policy before AIA makes the payment of death benefit to the beneficiary.

Protection for your loved ones

Apart from lump sum payment, during the insured’s lifetime, you can choose in advance to let the beneficiary continue receiving the unpaid Monthly Annuity Payment from the insured’s death (the death should occur on or after the commencement of the Annuity Period) until the end of the Annuity Period. If there is any accumulated Monthly Annuity Payment accrued before the insured passes away, such amount with any interest will be paid in a lump sum to the beneficiary at the time of the insured’s death.

AIA Deferred Annuity Plan is certified by the Insurance Authority as a qualifying deferred annuity policy where you can apply to deduct your premiums paid from your annual taxable income. This means if you are taxpayer in Hong Kong, you can apply for tax deduction of up to HK$60,000 per taxpayer each year which allows you to plan ahead to grow wealth for your retirement while also enjoying a tax deduction. This is a participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


Please refer to product brochure and Additional Important Facts for details including “Key Product Risks”, “Warning Statement” and “Additional Important Facts”.

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”.

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”.

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Explore other Life Plans

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