Wellness today, prosperity for life
Make a one-time premium payment to receive monthly income2 payments during the Income Period1.
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Featured benefits
Value-added service
【First-in-market7】RetireSmart Health Service8
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.
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Notes:
- The above information is for Hong Kong and Macau 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.
- Income Period refers to: (i) for 0 year Accumulation Period: commencing from the date the policy is issued until the termination of the basic policy; or (ii) for 5 years Accumulation Period: commencing from the 60th monthiversary until the termination of the basic policy.
- Monthly income consists of guaranteed monthly income, non-guaranteed monthly income (if any) and extra income (if extra income is payable under the Extra Income Benefit). We shall have the right to determine and credit the non-guaranteed monthly income in our absolute discretion. The amount of the non-guaranteed monthly income is not guaranteed and may fluctuate and such amount(s) may even be zero. Guaranteed monthly income payments starting from the first guaranteed monthly income payment date until end of the Income Period. For 0 year Accumulation Period: the first guaranteed monthly income payment date is the 1st monthiversary. For 5 years Accumulation Period: the first guaranteed monthly income payment date is the 61st monthiversary. Non-guaranteed monthly income payments starting from the 85th monthiversary until end of the Income Period. Extra income will only be paid if the insured is diagnosed with Alzheimer's disease/Irreversible organic degenerative brain disorders or Parkinson's disease on or after the 5th policy anniversary. Extra income will be paid on a monthly basis while the insured is alive, up to a maximum of 120 months. Please refer to the section "Extra Income Benefit" under "Cover at a glance" in the product brochure for details.
- If we have approved your application, we will pay extra income on a monthly basis while the insured is alive, up to a maximum of 120 months. Continuous payment of the extra income is subject to our receipt of due proof of the insured's survival to our satisfaction upon our request. The extra income payable on each month is equivalent to 50% of the guaranteed monthly income as at the time when the relevant extra income is paid. Extra income will be paid as part of the monthly income and in accordance with the Monthly Income Payment Option selected by you at the time when the relevant extra income is paid. Please refer to the section "Extra Income Benefit" under "Cover at a glance" in the product brochure for details.
- As of 28 September 2026, compared to whole life annuity insurance plans provided by Hong Kong major insurance companies.
- If your application is submitted before the 5th policy anniversary, you may apply for up to 12 months of the guaranteed monthly income to be paid in advance. If your application is submitted on or after the 5th policy anniversary, you may apply for up to 24 months of the guaranteed monthly income to be paid in advance. A maximum of 24 months of guaranteed monthly income may be paid in advance as advanced income during the term of the policy.
- If the insured passes away, we will pay the death benefit to the person(s) whom the policy owner selects for the policy as the beneficiary(ies). The death benefit will include the higher of: (i) the guaranteed cash value after deducting the unrecovered advanced income (if any); and (ii) 105% of the single premium paid less all guaranteed monthly income and advanced income already paid out by us (if any). The death benefit will also include the non-guaranteed Terminal Dividend (if any) and monthly income accumulations and interest (if any). We will deduct all amount you owe us and all policy debt under the policy, and all monthly income payment(s) paid by us to the Payments Recipient under the Income Transfer Option (if any) during the period from the date of the insured's death to the date we approve the death claim before we make the death benefit payment to the beneficiary(ies).
- As at 15 July 2026, based on a comparison of publicly available information on similar health support services offered by selected major Hong Kong insurance companies.
- The RetireSmart Health Service (the "Services") are value-added services and do not form part of the contractual terms and benefits of any insurance policy, and are non-guaranteed. The availability, eligibility and use of the Services are subject to the relevant product brochure, applicable eligibility requirements, policy status, service availability, service arrangements and applicable service terms and conditions. This Services are applicable to the eligible insured and/or nominated family member(s) of the eligible insured. The Services are provided in Hong Kong and designated cities in the Chinese Mainland, and are not applicable in Macau. For details of the RetireSmart Health Service (including but not limited to eligibility, terms and conditions, risks and limitations), please refer to the value-added service leaflet and relevant product brochure. AIA reserves the right to amend, suspend or terminate the Services, any part thereof, service provider(s), or to change any terms and conditions relating thereto at any time without prior notice at its absolute discretion. For details, please contact AIA for enquiry.
