Serene Life / Serene Life (Annual Dividends)

Easy planning for whole life protection

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Product Overview

Offers whole life protection, giving your loved one peace of mind when the unexpected happens

Benefit term Whole life

Issue age 15 days to age 75

Download product brochure

Brochure

Serene Life series are eligible life insurance plans under the Policy Reverse Mortgage Programme

For details on PRMP, please visit the website of The Hong Kong Mortgage Corporation Limited.

Featured benefits

Two plan versions catering to different financial needs

Serene Life provides higher total long-term potential return, whereas Serene Life (Annual Dividends) provides higher liquidity¹

Whole life protection for a peaceful future

If the insured passes away, we will pay the death benefit to the designated beneficiary

Your choice of settlement option

The death benefit can alternatively be paid in a lump sum or in regular instalments for flexible legacy planning

Multiple premium payment terms

You can choose from 5, 10 or 25 years premium payment terms to suit your budget

Extra cover for more protection

Future premiums will be waived if the insured becomes totally and permanently disabled before age 60²

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 offer

Get 15% premium refund on 5-year, 10-year or 25-year premium payment term

Terms & conditions apply. Details please download and refer to the promotion leaflet.

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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.

For Serene Life, an one-off non-guaranteed Terminal Dividend will be provided upon policy surrender, death of the insured or policy termination after the policy has been in force for 3 years. For Serene Life (Annual Dividends), non-guaranteed Annual Dividends will be declared to your policy at least once per year starting from the end of the 3^rd policy year, while an one-off non-guaranteed Terminal Dividend will be provided upon policy surrender, death of the insured or policy termination after the policy has been in force for 10 years.
Offer of this benefit will be subject to our underwriting decision and exclusions.