You may apply to set up instruction to withdraw policy values from the policy during a period specified by you and to designate a recipient to receive such withdrawal payments2
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The content of this website does not contain the full terms of the product and the full terms can be found in the policy contract. You have the right to request a sample of policy contract before committing to the purchase. Please note the relevant product risks.
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- All information here is for reference only. The product information in this webpage does not contain the full terms of the product. For the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of the relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA.
- Life insurance policies are long-term contracts of insurance. Should you surrender the policy early, you may receive an amount considerably less than the total amount of premiums paid.
- As of 23 June 2025, compared with savings insurance products provided by Hong Kong major insurance companies.
- From the later of (i) the end of the 5th policy year and (ii) the end of the premium payment term of your basic policy, provided there is no policy debt under your policy, you can apply to set up instruction to withdraw policy values from your policy on a regular basis during a period as specified by you ("Withdrawal Instruction"), and to designate a payments recipient to receive such withdrawal payments. Your application is subject to our approval at our sole and absolute discretion, applicable laws and our prevailing rules and conditions. Flexi Withdrawal Option is not applicable to corporate owned policies. The subsequent guaranteed cash value, cash value and face value of Terminal Bonus (if any) and the total premiums paid or one-time premium paid (as applicable) for the basic plan as used in the calculation of the death benefit will all be reduced based on the reduced principal amount, and that any Reversionary Bonus and any Terminal Bonus which the Company may declare subsequently will be reduced accordingly. Therefore, such withdrawal will reduce the death benefit, the surrender benefit and the value of your policy as well as its sustainability and potential growth.
- Currency Exchange Option was pioneered by AIA in the Global Power Multi-Currency Plan on 1 June 2021.
- Macau pataca (MOP) is only available for policies issued in Macau. Please note that there could be a material difference between your plan and the latest plan available for exchange under the GlobalFlexi Series at the time when you exercise the Currency Exchange Option. The availability of Currency Exchange Option, and in a worst case scenario, may only be a one-time option under your current plan depending on the features of the new plan after exchange.
- First-in-market refers to the Health Impairment Option's specific feature where the policy owner can designate up to 2 different designated recipients and elect for both benefit payment and transfer of ownership under this option at the same time. This feature is first-in-market when compared with the savings insurance products provided by Hong Kong major insurance companies, pioneered by AIA in the Wealth Generation on 23 June 2025.
- If you, the policy owner, are also the insured of the policy, you may elect for benefit payment starting from the end of the 3rd policy year; and / or you may elect for ownership transfer starting from the later of (i) the end of the 3rd policy year and (ii) the end of the premium payment term of your basic policy under the Health Impairment Option.
- As of 23 June 2025, compared with savings insurance products provided by Hong Kong major insurance companies.
- If the withdrawal amount consists of the cash value of any Reversionary Bonus and corresponding cash value of any Terminal Bonus, it will lead to reduction of the cash values and face values of the Reversionary Bonus and Terminal Bonus, and that any Reversionary Bonus and any Terminal Bonus which the Company may declare subsequently will be reduced accordingly. If the withdrawal amount consists of part of the guaranteed cash value and the corresponding cash value of Terminal Bonus, it will lead to a reduction of the principal amount of your policy. The subsequent guaranteed cash value, the face value and cash value of Terminal Bonus, and the one-time premium paid or the total premiums paid (as applicable) for the basic plan as used in the calculation of the death benefit will all be reduced based on the reduced principal amount, and any Reversionary Bonus and any Terminal Bonus which the Company may declare subsequently will be reduced accordingly. Therefore, such withdrawal will reduce the death benefit, the surrender benefit, the value of your policy as well as its sustainability and potential growth.
- Within 30 days after the end of each policy year starting from the end of the 15th policy year, you may apply to exercise the Bonus Lock-in Option once per policy year. An application to exercise the Bonus Lock-in Option cannot be changed or withdrawn once it has been submitted to us. Within 30 days after the end of each policy year starting from 1 year after you have exercised the Bonus Lock-in Option, you may apply to exercise the Bonus Unlock Option once per policy year.
- Starting from the later of (i) the end of the 1st policy year and (ii) the end of the premium payment term of your basic policy, you can apply to exercise the Policy Split Option. Only one application is allowed per day and your application is subject to our approval. An application to exercise the Policy Split Option cannot be changed or withdrawn once it has been submitted to us.
