Featuring the first-in-market Future Wishes Arrangement to enable tailored legacy planning instructions across multiple life‑changing events
AIA Hong Kong & Macau has launched its Wealth Flexi Savings Insurance Plan ("Wealth Flexi"), a participating whole‑life savings plan, alongside its first‑in‑market1 Future Wishes Arrangement2, empowering high‑net‑worth (HNW) individuals and families to adopt more structured approaches to wealth, liquidity and legacy planning.
Recent findings from the inaugural AIA Alta High‑Net‑Worth Optimal Longevity Index3 highlight that around one in four HNW families have yet to put any succession and inheritance preparations in place; fewer than 40% of HNW families have divided up family responsibilities and decision-making arrangements, while only around one in four have defined triggers or preferences for care and interventions. Against this backdrop, Wealth Flexi and the Future Wishes Arrangement2 are designed to enable families to steward their wealth with greater clarity, flexibility, and foresight over time.
Alice Liang, Chief Proposition & Healthcare Officer, AIA Hong Kong & Macau, said: "For HNW families, wealth planning today is fundamentally about stewardship, ensuring wealth is managed reliably, transferred thoughtfully, and continues to support loved ones across generations. Our insights show that while many families recognise the importance of long‑term planning, key arrangements around decision‑making, succession, and contingency are often not yet clearly defined. Wealth Flexi and the Future Wishes Arrangement2 are designed with this in mind, enabling customers to put in place more structured and forward‑looking arrangements, while maintaining the flexibility to adapt to changing circumstances over time, so they can pursue Healthier, Longer, Better Lives across generations."
AIA's Wealth Flexi Savings Insurance Plan introduces a suite of first-in-market and rare-in-market capabilities, structured around three core customer needs, with a sophisticated set of policy features and value-added services:
Legacy planning with clarity and continuity
To facilitate structured inheritance planning and multi‑generational wealth transfer, AIA introduced the Future Wishes Arrangement2, a first-in-market1 value‑added service that enables policy owners to pre‑set instructions for how their policy should be managed upon the occurrence of specified life‑changing events, such as death or health impairment conditions. This includes arrangements relating to ownership succession, benefit distribution, and designation of recipients, providing greater clarity and continuity in the transfer of wealth across generations.
This is complemented by a range of legacy planning features, including:
- Transitional Owner Arrangement4, supported by the first-in-market5 Future Guard Option4, enabling transitional oversight of the policy before ownership passes to the next generation
- Policy Split Option, allowing a single policy to be divided into multiple policies to facilitate tailored legacy and succession planning
- First‑in‑market6 Health Impairment Option, which allows policy owners to designate recipients for benefit payments and/or ownership transfer in the event of suffering from a mental issue or becoming unconscious for a certain period due to a specified illness, including Apallic Syndrome and Coma
- Death Benefit Settlement Option, offering flexibility in arranging appropriate settlement options for death benefit payments according to beneficiaries' needs, including the instalment amount and payment method
- First-in-market7 Beneficiary Flexi Option, enabling beneficiaries to receive their share of benefits according to their selected settlement option upon reaching a designated age or upon a specified illness8
Cash liquidity to respond to changing life needs
Recognising that liquidity requirements evolve across different life stages, the plan offers:
- Flexi Withdrawal Option9, allowing regular withdrawals of policy values10 during a specified period, and enabling customers to designate a recipient, who can be themselves or a loved one, to receive such payments
- Rare-in-market11 Value Safeguard Option, enabling customers to transfer certain policy values to a separate account while earning non‑guaranteed interest10
- Bonus Lock-in Option and first‑in‑market12 Bonus Unlock Option, which work in tandem to allow customers to lock in a portion of declared bonuses13 and subsequently reallocate locked-in value in response to changing financial needs14
Dynamic asset allocation through currency flexibility
- First-in-market15 Currency Exchange Option, allowing customers to switch their policy currency among major currencies over time while maintaining the policy's effective date, supporting long-term global asset and legacy considerations
The introduction of Wealth Flexi reflects AIA's role as a trusted partner to generations of customers. As the No.1 insurer of choice in Hong Kong16, and having been recognised as Hong Kong's most popular insurance brand for 10 consecutive years17, AIA continues to earn customer trust through its focus on reliability, thoughtful product design and a long‑term commitment to supporting families in managing and preserving their wealth confidently, in ways that benefit both customers and the wider community.
