Skip to main content
  • ENG
  • 繁體
  • 简体
  • Search
  • home
  • iShop
    • INTERESTED IN BUYING AIA PRODUCTS?
  • Help & Support
    • Contact Information
    • Payment Options
    • Online Payment with Visa / MasterCard / AMEX / FPS
    • Foreign Exchange Rates
    • Health Care & Claims
    • Investment Information
    • Form Library
    • Product Brochure Library
    • Find Network Provider
    • Claims Corner
    • Calculators
    • Useful Information (Individuals)
    • Important Information (Individuals)
    • "AIA Connect" Mobile App
    • AIA Customer Mobile Number and/or Email Address Registration
    • Useful Information (Group Insurance)
    • Important Information (Group Insurance/MPF/ Pension)
  • My AIA
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
    • AIA Vitality
    • Customer Corner
    • Agency Corner
    • Partnership Distribution Corner
    • Assignee Corner
    • AIA CONNECT
    • Employee Benefits
    • MPF Employer
    • MPF Employee/Self-employed
    • MPF Broker
    • ORSO Employer
    • ORSO Employee
    • ORSO Broker
    • MACAU PENSION Employer
    • MACAU PENSION Employee
    • MACAU PENSION Broker
  • Life Stages
    Learn more about the needs of different life stages and the solutions we can offer.
  • Personal Medical Case Management service
    Take care of your medical and emotional needs throughout your healthcare journey.
  • Important Information
  • Medical Expense Pre-approval Service
  • Universal Life and Participating Products
  • AIA Smart Bundle Solutions
  • Careers
AIA
  • iShop

    AIA iShop

    Find the right insurance at your fingertips

    SEE MORE
    • INTERESTED IN BUYING AIA PRODUCTS?

      Go to AIA iShop now
  • Help & Support

    Help & Support

    We strive to assist you for all your inquiries with high touch customer service.

    Contact AIA

    Service Appreciation

    Show your appreciation for someone who has helped you.

    SAY THANK YOU

    Health & Wellness 360

    For your health, we go beyond insurance

    Know More

    For Individuals

    For Corporations

    • Contact Information

      Have a question? Let us help you
    • Payment Options

      Find a payment option that works for you
    • Proceed Online Payment with FPS / PayMe / Visa / MasterCard / AMEX

      Easy payment for short payment of new policy, renewal premium of the General Insurance (only applicable for products with policy prefix of "C"), renewal fee of AIA Vitality membership & outstanding Levy
    • FOREIGN EXCHANGE RATES

      Exchange rate of foreign currencies to Hong Kong Dollar
    • Health Care & Claims

      Taking care of your own health by being a smart consumer
      & Get help with your claims

    • AIA EVEREST

      Useful information about AIA Everest
    • Health & Wellness 360

      For your health, we go beyond insurance
    • 3D Protection Index

      New Technology Offers Instant Review of 3D Protection Gap
    • Investment Information

      Get information on investment options and valuation day
    • Form Library

      A selection of forms you can download, fill in and send back to us
    • Product Brochure Library

      A selection of product brochures you can download
    • Find Network Provider

      Find out more about the mobile app that can help you find medical help
    • Useful Information

      Common Reporting Standard (CRS) video, Information about the Insurance Authority collecting levy on insurance premiums
    • Important Information

      Important information that you should know
    • “AIA Connect” Mobile App

      Learn more about the new features of this newly redesigned mobile app
    • AIA Customer Mobile Number and/or Email Address Registration

      Register Mobile Number and/or Email Address for Individual life policy(ies)
    • Contact Information

      Have a question? Let us help you
    • Claims Corner

      Get help with your claims
    • Calculators

      Tools to manage your retirement and pension scheme
    • ONLINE MPF ASSETS TRANSFER

      Consolidate personal account(s) or transfer MPF assets to AIA
    • Form Library

      A selection of forms you can download, fill in and send back to us
    • Product Brochure Library

      A selection of product brochures you can download
    • Important & Useful Information

      Important and useful information that you should know
    • WORKWELL WITH AIA

      Support you in achieving overall wellbeing
  • My AIA

    My AIA

    Login or register to access and manage all your policies, claims and more.

    • AIA Vitality
      Customer Corner
      Agency Corner
      Partnership Distribution Corner
      Assignee Corner
      AIA CONNECT
      Employee Benefits
    • Employer / HR Employee Doctor Agent/Broker
      MPF
    • Employer Employee/Self-employed Broker
      ORSO
    • Employer Employee Broker
      Macau Pension
    • Employer Employee Broker

    My AIA

    Login or register to access and manage all your policies, claims and more.

    • AIA Vitality
      Customer Corner
      Agency Corner
      Partnership Distribution Corner
      Assignee Corner
      AIA CONNECT
      Employee Benefits
    • Employer / HR Employee Doctor Agent/Broker
      MPF
    • Employer Member
      ORSO
    • Employer Member
  • Language Select
    • ENG
    • 繁體
    • 简体
  • Search
  • Contact Us
    • Call Us

      AIA International Limited (Hong Kong Branch)
      Mon-Fri 9:00am - 6:00pm
      Sat 9:00am - 1:00pm
      Sun Public Holidays Closed

      AIA Everest Life Company Limited
      Mon-Fri 9:00am - 6:00pm
      Sat, Sun & Public Holidays Closed
    • Email Us
Investment-Linked Assurance Schemes
Prev
Get in touch
Back to Top

  • {{title}}

    {{label}}

    • Treasure Pearl 2 | Investment-Linked Assurance Scheme | AIA Hong Kong

    Investment-Linked Assurance Scheme

    Benefit period

    Till Age 80 of the Insured

    Issue age for the life insured

    18 - 60 Years

    PRODUCT INTRODUCTION

    Treasure Pearl 2 is a single premium investment-linked assurance scheme available to applicants between the age of 18 and 60. During the policy term till you are 80, it provides you with life insurance coverage and access to a selection of investment options focusing on Hong Kong Dollar denominated assets with free investment option switching anytime. Treasure Pearl 2 is also a registered Capital Investment Entrant Scheme1.

    Please refer to the offering documents for more details about the product features.

    1The Government of the Hong Kong Special Administrative Region has announced that the Capital Investment Entrant Scheme would be suspended with effect from 15 January 2015 until further notice.

    • Download Offering Documents Download Offering Documents
    • Investment Option Information Investment Option Information
    • Get in touch Get in touch
      Get in touch
    • Talk to us now Talk to us now
      Talk To Us Now
    • share with a friend share with a friend

    PREMIUM

    You may start your Basic Policy by contributing a minimum single premium of HK$500,000. No additional premium will be accepted once the Basic Policy is issued. Please refer to the section “B) Product Features” in the product brochure for details.

    PRODUCT FEATURES

    • Account Value
      Account Value

      The premium contribution you have made shall be used to notionally allocate units of your selected investment options to your account for determination of the Account Value and benefits under the Basic Policy. Please refer to the subsections “Investment Options Allocation” and “Account Value” under the section “B) Product Features” in the product brochure for details.

    • Death Benefit
      Death Benefit

      If the insured unfortunately dies while the Basic Policy is in force, a death benefit equal to 105% of the Account Value will be paid. Please refer to the subsection “Death Benefit” under the section “B) Product Features” in the product brochure for details. 

    • Investment Options and Switching
      Investment Options and Switching

      Under Treasure Pearl 2, you can choose from a number of investment options to meet your personal investment targets, risk profile and financial needs. You may switch the units in the investment options under your Basic Policy. Please refer to the section “C) Investment Options Information” in the product brochure and the investment options brochure for details.

    • Partial Withdrawal
      Partial Withdrawal

      You may withdraw part of your Account Value anytime while your Basic Policy is in force. Please refer to the subsection “Partial Withdrawal” under the section “B) Product Features” in the product brochure for details. 

    INSURANCE LINGO EXPLAINED

    Basic Policy

    It means the contract of policy, including the schedule of fees and charges, as may be amended by endorsement from time to time.

    Account Value

    It means the total value of all investment options under the Basic Policy. The value of each investment option equals the number of units of the investment option multiplied by the bid price of the investment option on the relevant valuation day.

    FEES AND CHARGES

    This investment-linked assurance scheme includes the following charges:
    Administration fee

    Equivalent to the amount of the single premium multiplied by the relevant administration fee rate, which is up to 3.8%.

    Surrender / withdrawal charge

    In case of partial withdrawal in the first 5 policy years, surrender charge is applicable and is calculated by multiplying the relevant surrender charge rate by the partial withdrawal amount.

    In case of policy surrender in the first 5 policy years, surrender charge is calculated by multiplying the relevant surrender charge rate by the Account Value.

    The surrender charge rate is up to 2.0%, in the event of partial withdrawal or policy surrender.

    The underlying fund charges may include management fee, performance fee, bid-offer spread and/or switching fee and such fees will be deducted and reflected in the unit price of the underlying funds.

     

    Please refer to the section “D) Summary of Fees and Charges” in the product brochure for details of the investment-linked assurance scheme charges. For the underlying fund charges, details can be found in the offering documents of the underlying funds and the investment options brochure of Treasure Pearl 2, which are available from AIA International Limited upon request.

    You can purchase this product from your intermediary.

    • Download Offering Documents Download Offering Documents
    • Investment Option Information Investment Option Information
    • Get in touch Get in touch
    • Talk to us now Talk to us now
      Talk To Us Now
    • share with a friend share with a friend

    OTHER RELATED PRODUCTS

    Treasure Advantage 2

    Investment-Linked Assurance Scheme

    A regular premium investment-linked assurance scheme with different premium payment terms.

    U-select

    Investment-Linked Assurance Scheme

    A regular premium investment-linked assurance scheme which you may pay optional premiums in a lump-sum or on a regular basis.

    Treasure Master Plus

    Investment-Linked Assurance Scheme

    A single premium (with optional top-up premium) investment-linked assurance scheme.
    Click Here
    Click Here
    U-Select Product Brochure Guide
    Contact aia
    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website ( https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).

    Hong Kong

    Hotlines

    Individual –
    (852) 2232-8888

    Corporate Solutions –

    • Group: (852) 2200-6333
    • MPF/ORSO/Macau Pension:
      • Employer: (852) 2100-1888
      • Employee/Self-employed: (852) 2200-6288

     

    Customer Service Centres

    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

    Hotlines

    Individual –
    (853) 8988-1822

    Corporate Solutions –

    • Group: 0800 516
    • MPF/ORSO/Macau Pension:
      • Employer: 0800 183
      • Employee: 0800 272

     

    Customer Service Centre

    Unit 201, 2F, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau

    Mon-Fri: 08:45am – 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Contact aia
    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).

    Hong Kong

    Hotlines

    Individual –
    (852) 2232-8888

    Corporate Solutions –

    • Group: (852) 2200-6333
    • MPF/ORSO/Macau Pension:
      • Employer: (852) 2100-1888
      • Employee/Self-employed: (852) 2200-6288

     

    Customer Service Centres

    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

    Hotlines

    Individual –
    (853) 8988-1822

    Corporate Solutions –

    • Group: 0800 516
    • MPF/ORSO/Macau Pension:
      • Employer: 0800 183
      • Employee: 0800 272

     

    Customer Service Centre

    Unit 201, 2F, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau

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

    Go to

    AIA.COM

    Visit our corporate site to learn more about AIA.

    EXPLORE AIA
     
    AIA Vitality
    AIA iShop
    Sitemap
    About AIA 
    Media Centre
    Career
    Copyright © 2023 AIA Group Limited and its subsidiaries. All rights reserved."AIA Hong Kong", "AIA Macau", "AIA", the "Company", "we", "us" or "our" as used in this webpage refers to AIA International Limited (Incorporated in Bermuda with limited liability)
    Terms of Use | Privacy Statement | Code of Conduct |

    This website uses cookies for the purpose of enhancing your user experience. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookie Policy and Privacy Statement.