ProsperLife Insurance Plan

Your lifelong shield, your peace of mind

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Product Overview

Offers whole life protection and potential long-term returns
Benefit term Whole life
Issue age 15 days to age 75

Download product brochure

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ProsperLife Insurance Plan is eligible life insurance plan under the Policy Reverse Mortgage Programme
For details on PRMP, please visit the website of The Hong Kong Mortgage Corporation Limited.

Featured benefits

Be protected at every life stage with whole life protection

If the insured passes away, we will pay the death benefit to your chosen beneficiary(ies)

Accidental Death Benefit (ProsperLife) Rider1 for more protection

Enhanced protection with up to 200% of the sum assured of the basic plan

Boosted support with Waiver of Premium Rider (Basic Plan)1

Future premiums for the ProsperLife Insurance Plan will be waived if the insured becomes totally and permanently disabled before age 60

Enjoy different choices of settlement options under the Death Benefit Settlement Option and 【First-in-market2】Beneficiary Flexi Option

You can customise the Death Benefit Settlement Option to address the unique needs of each beneficiary in receiving the death benefit and accidental death benefit (if applicable)

Enjoy potential financial growth with guaranteed and non-guaranteed returns

ProsperLife Insurance Plan offers guaranteed cash value, and once the policy has been in force for 3 years, we may provide a non-guaranteed Terminal Dividend3

The content of this website does not contain the full terms of the product and the full terms can be found in the policy contract. You have the right to request a sample of policy contract before committing to the purchase. Please note the relevant product risks.

Limited-time offers

  • Get 15% premium refund on 5-year, 10-year or 25-year premium payment term
Terms & conditions apply. Refer to the promotional leaflet for details.

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Notes
 
  • The above information is for Hong Kong only. 

  • All information here is for reference only. The product information in this webpage does not contain the full terms of the product. For the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of the relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. 

  • Life insurance policies are long-term contracts of insurance. Should you surrender the policy early, you may receive an amount considerably less than the total amount of premiums paid.
  1. Accidental Death Benefit (ProsperLife) Rider and Waiver of Premium Rider (Basic Plan) are subject to underwriting assessment and exclusions, and the eligibility of each rider depends on the Company's underwriting decision. For details, please refer to the product brochure.

  2. First-in-market refers to the Beneficiary Flexi Option's specific feature where the policy owner allows the beneficiary to choose to receive the death benefit payment in accordance with the beneficiary's selected settlement option when the beneficiary has attained the Designated Age selected by the policy owner or when the beneficiary is diagnosed with a Specified Illness under Beneficiary Flexi Option. This feature is first-in-market when compared with the savings insurance products and life insurance products provided by Hong Kong major insurance companies, pioneered by AIA in the FlexiAchiever Savings Plan on 8 January 2025.

  3. One-off non-cumulative, non-guaranteed Terminal Dividend may be provided upon policy surrender or death of the insured after the policy has been in force for 3 years.
Important Notes for Policy Reverse Mortgage Programme ("PRMP")
 
Please note that ProsperLife Insurance Plan is an eligible life insurance plan under PRMP, but it does not necessarily mean that your PRMP application will be approved. The eligibility of this product under the PRMP is based on the features of the product. You and your life insurance policy are still required to meet the eligibility criteria under PRMP before you apply for the policy reverse mortgage loan.
 
The general information provided by us on PRMP is for reference only, and you should not make any decisions based on such information alone. You should always seek for advice from professional bodies if you have any doubts. Please note that the information provided is subject to change including the eligibility criteria for PRMP. We do not take any responsibility to inform you about any changes and how they may affect you. The Policy Reverse Mortgage Programme is operated by HKMC Insurance Limited, a wholly-owned subsidiary of The Hong Kong Mortgage Corporation Limited. For further information, please refer to The Hong Kong Mortgage Corporation Limited website: www.hkmc.com.hk.

 

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