AIA Hong Kong & Macau announced the launch of EverBliss Annuity Insurance Plan ("EverBliss" or "the plan"), a participating whole life insurance plan designed to help customers navigate longer lives with greater financial confidence and independence. Combining lifelong guaranteed monthly income¹, financial flexibility and access to the RetireSmart Health Service², AIA's first-in-market³ health service tailored to support cognitive wellness, vision health and mobility strength, EverBliss provides a retirement planning solution by addressing both financial security and healthy ageing.

 

As Hong Kong remains one of the world's longest-living populations⁴, longevity planning is becoming increasingly complex. Research shows that more than 70% of respondents have insufficient retirement savings and may need to delay retirement by an average of 12.8 years⁵, while dementia or cognitive decline (44%), vision problems (47%) and joint-related issues (47%) remain among the key concerns associated with ageing⁶.

 

Against this backdrop, customers are looking for retirement solutions that go beyond income generation. EverBliss responds through lifelong income and flexible policy features, while the RetireSmart Health Service² complements the plan with preventive-led wellbeing support to help customers maintain independence and quality of life as they age.

 

Ms Alice Liang, Chief Proposition & Healthcare Officer of AIA Hong Kong & Macau, said: "People today are living longer than ever before, but many are unsure whether their savings and health will last as long as they do. At AIA, we believe planning for a longer life is about more than financial security. It is about helping people strengthen both their financial and health independence, creating the foundation for greater lifestyle independence – so they can enjoy better health and a high quality of life throughout retirement.

 

"As a market leader in Hong Kong's insurance industry, we have a responsibility to help shape how people prepare for longevity through solutions that support their evolving needs. EverBliss and the RetireSmart Health Service² are our response to this shift, combining lifelong guaranteed income, financial flexibility and preventive-led wellbeing support to help customers navigate longer lives while advancing our purpose of helping people live Healthier, Longer, Better Lives."

 

 

EverBliss is designed to support customers as they transition from wealth accumulation to wealth decumulation by transforming accumulated savings into a sustainable and dependable source of retirement income. The plan provides guaranteed monthly income⁷ for life, together with potential non-guaranteed monthly income⁸ (if any) and non-guaranteed terminal dividend⁹ (if any). Customers may also choose to leave their monthly income¹ within the policy to accumulate potential non-guaranteed interest for future use, providing greater flexibility in managing retirement resources.

 

To provide additional support as needs evolve, the plan also includes an Extra Income Benefit¹⁰. Eligible customers diagnosed with Alzheimer's disease, irreversible organic degenerative brain disorders or Parkinson's disease on or after the fifth policy anniversary may receive an additional monthly income equivalent to 50% of their guaranteed monthly income⁷ for up to 120 months, helping to alleviate the financial impact associated with these conditions.

 

 

Retirement planning today often extends beyond income generation and increasingly requires the flexibility to respond to changing personal and family circumstances. EverBliss introduces a first-in-market¹¹ Income Transfer Option¹², allowing policyholders to direct monthly income payments to a designated payments recipient for a specified period. The feature provides greater flexibility in supporting family members while maintaining control over their long-term financial planning.

 

The plan also features a rare-in-market¹¹ Advance Income Benefit¹³, allowing eligible customers to receive up to 24 months of future guaranteed monthly income in advance upon eligible events¹⁴ during the Income Period¹⁵, such as a child's or grandchild's marriage, university admission, the birth of a grandchild, or home renovation and repair expenses. By enabling earlier access to future income, the benefit empowers customers to respond more confidently to important life milestones and unforeseen financial needs.

 

Recognising that longevity is about more than financial preparedness, EverBliss provides insureds with access to the RetireSmart Health Service², AIA's first-in-market³ health service designed specifically to help insureds approaching or enjoying retirement maintain their health, independence and quality of life.

 

Guided by research showing that cognitive decline, vision problems and mobility health are among the top health concerns after retirement⁶, the RetireSmart Health Service² focuses on three pillars of healthy ageing: cognitive wellness, vision health and mobility strength. This helps insureds proactively manage some of the most common challenges associated with ageing before they affect day-to-day living.

 

The preventive-led service combines personalised screenings, professional guidance and ongoing healthcare support to provide practical insights and actionable wellbeing solutions.

 

The RetireSmart Health Service² offers several distinctive features, including reliable, science-based screening through non-invasive assessments with instant results, powered by recognised healthy-ageing technologies trusted by healthcare institutions. Insureds can also extend designated services to their spouse and parents, supporting loved ones in maintaining independence and wellbeing together. With seamless online and in-person options available at home or designated centres, insureds can access support in a way that suits their lifestyle. Services can be activated immediately once the policy becomes effective and are available across Hong Kong and selected cities in the Chinese Mainland.

AIA Group Limited established its operations in Hong Kong in 1931. To date, AIA Hong Kong and AIA Macau have more than 19,000 financial planners^*, as well as an extensive network of independent financial advisors, brokerage and bancassurance partners. We serve over 3.7 million customers^{^}, offering them a wide selection of professional services and products ranging from individual life, group life, accident, medical and health, pension, personal lines insurance to investment-linked assurance schemes with numerous investment options. We are also dedicated to providing superb product solutions to meet the financial needs of high-net-worth customers.