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    • Universal Life

    • Crediting Interest Rate History
    • Crediting Interest Rate, Fees and Charges Philosophy

    The following table shows the historical crediting interest rates for each of the universal life insurance product series. The calculation includes new policies issued by the Company since 2010. The historical crediting interest rates are based on weighted average crediting interest rate of these policies in each calendar year.

    Introduction to Crediting Interest Rate

    Introduction to Crediting Interest Rate
    Please select the Product Series

    Please select the Product Series

    Crediting interest rates for reporting year 2019

    Product
    Product Series AIA 3-Year Guaranteed Interest Account
    2011 0.66%
    2012 0.66%
    2013 0.58%
    2014 N/A
    2015 N/A
    2016 N/A
    2017 N/A
    2018 N/A
    2019 N/A
    Product Series AIA 5-Year Guaranteed Interest Account
    2011 1.72%
    2012 1.58%
    2013 1.53%
    2014 1.49%
    2015 1.42%
    2016 1.30%
    2017 0.98%
    2018 0.94%
    2019 0.93%
    Product Series AIA Guaranteed Interest Account (7-Year)
    2011 3.40%
    2012 3.28%
    2013 3.21%
    2014 3.24%
    2015 3.21%
    2016 3.20%
    2017 3.07%
    2018 2.79%
    2019 2.55%
    Product Series AIA Interest Safeguard Annuity Account
    2011 3.37%
    2012 3.25%
    2013 3.25%
    2014 3.25%
    2015 3.25%
    2016 3.25%
    2017 3.25%
    2018 3.25%
    2019 3.25%
    Product Series AIA Premier Life Plan
    2011 3.79%
    2012 3.85%
    2013 3.82%
    2014 3.85%
    2015 3.56%
    2016 3.44%
    2017 3.45%
    2018 3.48%
    2019 3.50%
    Product Series Guaranteed Interest Saver (RMB)
    2011 1.45%
    2012 1.45%
    2013 1.45%
    2014 1.45%
    2015 1.47%
    2016 N/A
    2017 N/A
    2018 N/A
    2019 N/A
    Product Series Guaranteed Interest Saver (RMB 2 Pay)
    2011 1.65%
    2012 1.65%
    2013 1.65%
    2014 1.65%
    2015 1.65%
    2016 1.65%
    2017 N/A
    2018 N/A
    2019 N/A
    Product Series RMB Wealth Preserver
    2011 N/A
    2012 N/A
    2013 N/A
    2014 N/A
    2015 N/A
    2016 4.30%
    2017 4.30%
    2018 4.30%
    2019 4.30%
    Product Series Wealth Preserver (with 10-Year No Lapse Privilege)
    2011 5.00%
    2012 4.86%
    2013 4.64%
    2014 4.64%
    2015 4.64%
    2016 4.63%
    2017 4.63%
    2018 4.63%
    2019 4.63%
    Product Series Wealth Preserver (with No Lapse Privilege to Age 100)
    2011 4.35%
    2012 4.21%
    2013 3.99%
    2014 3.99%
    2015 3.98%
    2016 3.98%
    2017 3.97%
    2018 3.97%
    2019 3.97%
    Product Series Wealth Preserver 2
    2011 4.39%
    2012 4.24%
    2013 4.10%
    2014 4.00%
    2015 3.99%
    2016 3.99%
    2017 3.99%
    2018 3.99%
    2019 3.99%
    Product Series Wealth Preserver 3
    2011 N/A
    2012 4.40%
    2013 4.27%
    2014 4.16%
    2015 4.11%
    2016 4.03%
    2017 4.01%
    2018 4.01%
    2019 4.01%
    Product Series Wealth Preserver 3 - Infinity
    2011 N/A
    2012 4.10%
    2013 3.95%
    2014 3.89%
    2015 3.85%
    2016 3.78%
    2017 3.74%
    2018 3.73%
    2019 3.73%
    Product Series Wealth Preserver 5
    2011 N/A
    2012 N/A
    2013 N/A
    2014 N/A
    2015 N/A
    2016 4.00%
    2017 4.00%
    2018 4.00%
    2019 4.00%
    Product Series Wealth Preserver Plus (with 10-Year No Lapse Privilege)
    2011 4.90%
    2012 4.76%
    2013 4.55%
    2014 4.55%
    2015 4.55%
    2016 4.55%
    2017 4.55%
    2018 4.55%
    2019 4.55%
    Product Series Wealth Preserver Plus (with No Lapse Privilege to Age 100)
    2011 4.25%
    2012 4.11%
    2013 3.90%
    2014 3.90%
    2015 3.90%
    2016 3.90%
    2017 3.90%
    2018 3.90%
    2019 3.90%
    Product Series Wealth Ultima
    2011 N/A
    2012 N/A
    2013 N/A
    2014 4.24%
    2015 4.05%
    2016 3.93%
    2017 3.91%
    2018 3.90%
    2019 3.87%
    Product Series Wealth Ultima 2
    2011 N/A
    2012 N/A
    2013 N/A
    2014 N/A
    2015 N/A
    2016 4.20%
    2017 4.14%
    2018 4.08%
    2019 4.02%
    Product Series Year
    AIA 3-Year Guaranteed Interest Account 2011
    0.66%    		 2012
    0.66%    		 2013
    0.58%    		 2014
    N/A    		 2015
    N/A
    2016
    N/A    		 2017
    N/A    		 2018
    N/A    		 2019
    N/A
    AIA 5-Year Guaranteed Interest Account 2011
    1.72%    		 2012
    1.58%    		 2013
    1.53%    		 2014
    1.49%    		 2015
    1.42%
    2016
    1.30%    		 2017
    0.98%    		 2018
    0.94%    		 2019
    0.93%
    AIA Guaranteed Interest Account (7-Year) 2011
    3.40%    		 2012
    3.28%    		 2013
    3.21%    		 2014
    3.24%    		 2015
    3.21%
    2016
    3.20%    		 2017
    3.07%    		 2018
    2.79%    		 2019
    2.55%
    AIA Interest Safeguard Annuity Account 2011
    3.37%    		 2012
    3.25%    		 2013
    3.25%    		 2014
    3.25%    		 2015
    3.25%
    2016
    3.25%    		 2017
    3.25%    		 2018
    3.25%    		 2019
    3.25%
    AIA Premier Life Plan 2011
    3.79%    		 2012
    3.85%    		 2013
    3.82%    		 2014
    3.85%    		 2015
    3.56%
    2016
    3.44%    		 2017
    3.45%    		 2018
    3.48%    		 2019
    3.50%
    Guaranteed Interest Saver (RMB) 2011
    1.45%    		 2012
    1.45%    		 2013
    1.45%    		 2014
    1.45%    		 2015
    1.47%
    2016
    N/A    		 2017
    N/A    		 2018
    N/A    		 2019
    N/A
    Guaranteed Interest Saver (RMB 2 Pay) 2011
    1.65%    		 2012
    1.65%    		 2013
    1.65%    		 2014
    1.65%    		 2015
    1.65%
    2016
    1.65%    		 2017
    N/A    		 2018
    N/A    		 2019
    N/A
    RMB Wealth Preserver 2011
    N/A    		 2012
    N/A    		 2013
    N/A    		 2014
    N/A    		 2015
    N/A
    2016
    4.30%    		 2017
    4.30%    		 2018
    4.30%    		 2019
    4.30%
    Wealth Preserver (with 10-Year No Lapse Privilege) 2011
    5.00%    		 2012
    4.86%    		 2013
    4.64%    		 2014
    4.64%    		 2015
    4.64%
    2016
    4.63%    		 2017
    4.63%    		 2018
    4.63%    		 2019
    4.63%
    Wealth Preserver (with No Lapse Privilege to Age 100) 2011
    4.35%    		 2012
    4.21%    		 2013
    3.99%    		 2014
    3.99%    		 2015
    3.98%
    2016
    3.98%    		 2017
    3.97%    		 2018
    3.97%    		 2019
    3.97%
    Wealth Preserver 2 2011
    4.39%    		 2012
    4.24%    		 2013
    4.10%    		 2014
    4.00%    		 2015
    3.99%
    2016
    3.99%    		 2017
    3.99%    		 2018
    3.99%    		 2019
    3.99%
    Wealth Preserver 3 2011
    N/A    		 2012
    4.40%    		 2013
    4.27%    		 2014
    4.16%    		 2015
    4.11%
    2016
    4.03%    		 2017
    4.01%    		 2018
    4.01%    		 2019
    4.01%
    Wealth Preserver 3 - Infinity 2011
    N/A    		 2012
    4.10%    		 2013
    3.95%    		 2014
    3.89%    		 2015
    3.85%
    2016
    3.78%    		 2017
    3.74%    		 2018
    3.73%    		 2019
    3.73%
    Wealth Preserver 5 2011
    N/A    		 2012
    N/A    		 2013
    N/A    		 2014
    N/A    		 2015
    N/A
    2016
    4.00%    		 2017
    4.00%    		 2018
    4.00%    		 2019
    4.00%
    Wealth Preserver Plus (with 10-Year No Lapse Privilege) 2011
    4.90%    		 2012
    4.76%    		 2013
    4.55%    		 2014
    4.55%    		 2015
    4.55%
    2016
    4.55%    		 2017
    4.55%    		 2018
    4.55%    		 2019
    4.55%
    Wealth Preserver Plus (with No Lapse Privilege to Age 100) 2011
    4.25%    		 2012
    4.11%    		 2013
    3.90%    		 2014
    3.90%    		 2015
    3.90%
    2016
    3.90%    		 2017
    3.90%    		 2018
    3.90%    		 2019
    3.90%
    Wealth Ultima 2011
    N/A    		 2012
    N/A    		 2013
    N/A    		 2014
    4.24%    		 2015
    4.05%
    2016
    3.93%    		 2017
    3.91%    		 2018
    3.90%    		 2019
    3.87%
    Wealth Ultima 2 2011
    N/A    		 2012
    N/A    		 2013
    N/A    		 2014
    N/A    		 2015
    N/A
    2016
    4.20%    		 2017
    4.14%    		 2018
    4.08%    		 2019
    4.02%

    Notes:

    1. The crediting interest rates shown are calculated before applying any relevant policy charges (e.g. cost of insurance, administration charge etc.).
    2. They are only historical crediting interest rates and may not be predictive indicators of future crediting interest rates.
    3. The future crediting interest rates may be less or more favorable than the historical crediting interest rates, depending on numerous factors such as investment returns and surrenders.
    4. Please note that the prevailing crediting interest rate is subject to change from time to time.
    5. For the crediting interest rates applicable to your policy, please refer to your quarterly policy statements or contact your representative.
    6. For AIA Premier Life Plan and AIA Interest Safeguard Annuity Account, the crediting interest rate includes New Money and Portfolio Interest Rate. 
    popup video
    Introduction to Crediting Interest Rate
    Contact aia

    We are pleased to announce that effective 22 February 2021, our customer service in Hong Kong will resume normal. However, please take note of the following special service hours for Macau.

    Macau

    • Customer Service Centres & Hotline Service:
      • 10am - 4pm (Monday - Friday)

    Hong Kong

    (852) 2232-8888

    Hong Kong Island
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    Kowloon
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    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

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    (853) 8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau

    Mon-Fri: 8:45am – 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Contact aia

    We are pleased to announce that effective 22 February 2021, our customer service in Hong Kong will resume normal. However, please take note of the following special service hours for Macau.

    Macau

    • Customer Service Centres & Hotline Service:
      • 10am - 4pm (Monday - Friday)

    Hong Kong

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri: 8:45am – 6pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Macau

    (853) 8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau
     
    Mon-Fri: 8:45am – 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

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