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A participating insurance plan is one in which we share a portion of the profits earned on it and related participating insurance plans with the policy owners. It is designed to be held long term. Policy owners may share a fair portion of the divisible surplus in the form of dividends and/or bonuses as specified in your policy, where divisible surplus refers to profits available for distribution back to policy owners as determined by us with considerations of available invested assets from your premiums net of expenses and cost of policy benefits (including guaranteed and non-guaranteed benefits as specified in your plan as well as charges arising from the costs and shareholders’ profits to operate the participating insurance plan (if applicable)). The divisible surplus will be based on the profits earned from your plan and similar plans or similar group of policies. The following table shows the target profit sharing ratios to the policy owners at the level of product series for participating products that are currently available for sale in Macau.
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