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Wisdom Term Life Plan

Certain protection in an uncertain world
Benefit term Up to age 85
Issue age
Age 16 to 70 (Basic plan)
15 days to age 70 (Add-on plan)
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Featured benefits

Terminal Illness Benefit

If the insured is diagnosed with a terminal illness, we will pay an advance payment2 to help alleviate the financial burden of medical expenses

Guaranteed Renewal

Renewal premiums will not be raised as a result of any changes in the insured's health condition and this cover is renewable up to age 85 of the insured

Conversion Privilege

No additional health information required for converting into a whole life insurance plan3

Different options to suit your needs

This plan provides 3 renewal periods for you to choose from: 1 year, 5 years and 20 years. It is also available as a basic plan or an add-on plan

Protection for your loved ones

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

Super Lifestage Option

Option to purchase an additional term life insurance plan upon designated life milestones with no health information required1

Join AIA Vitality and enjoy an instant 10% premium discount

Once you join AIA Vitality*, you can enjoy an instant 10% premium discount for the first year. As long as you keep up a healthy lifestyle, you can even enjoy up to 15% lifelong premium discount**, while at the same time earning AIA Vitality Points and enjoying an array of rewards and offers to help you live a healthier lifestyle.

Please click here for further details.
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.

Buy online

For HKID card holders who are aged 18 or above, you can buy this product in Hong Kong via our online platform AIA iShop. See how much you'll pay.

Limited-time offers

Apply now to get 3 months premium refund.

Terms & conditions apply. Refer to the promotional leaflet for details.

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  • Benefit Term: Up to age 85 of the insured
  • Issue Age: Age 16 to 70
Not initialised.
Notes
 
  • 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.
  1. Option to purchase of an additional term life insurance plan is available upon any of three designated milestone events and is required to be in the form of an add-on plan. Eligibility of this benefit is subject to underwriting requirements determined by us from time to time. 

  2. Only applicable to basic plan. The Terminal Illness Benefit will be equal to 100% of the sum assured. The sum assured will be reduced accordingly after the advance payment is paid. The maximum aggregate amount of payment made by us under all terminal illness benefit(s) issued by us will be US$2,000,000 or HK$ / MOP15,000,000 for the same insured. Eligibility of this benefit is subject to underwriting requirements determined by us from time to time. 

  3. The conversion privilege is available on or before the anniversary of cover immediately following the insured's 70th birthday and subject to an increase in premium and choices of products then made available for the purpose of this privilege.
* An annual membership fee will be charged for AIA Vitality and a member has to renew the AIA Vitality membership annually on time in order to maintain the membership and enjoy premium discount (if any) in the subsequent policy years. The membership fee of AIA Vitality may vary at any time without prior notice. Likewise, programme benefits may be added or removed without prior notice.

** Premium discount is only applicable to the standard premiums of selected AIA Vitality insurance products (including basic and add-on plans) and shall not apply to any extra premiums due to loading. In all circumstances, the premium discount will be calculated in accordance with the insured's AIA Vitality Status achieved on each policy anniversary. The policy anniversary of AIA Vitality selected insurance products and AIA Vitality membership anniversary may not be the same.  For details and offers of AIA Vitality selected insurance products, please visit aia.com.hk/aiavitality.

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