Wealth Flexi Savings Insurance Plan

Wealth in flow, legacy in nurture

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Product Overview

A wealth solution that nurtures what you have built — so it may flourish beyond your lifetime
Benefit term
Whole life
Issue age
15 days up to age 85

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Featured benefits

An integrated set of instructions for life's defining moments

【First-in-market1】【Value-Added Service】Future Wishes Arrangement2 allows you to pre-set instructions that may take effect upon the occurrence of a pivotal life event, such as death or health impairment conditions, so that your legacy planning decisions can be executed as envisioned

Diverse legacy planning options for individual selections when needed

Include【Value-Added Service】Transitional Owner Arrangement3 with【First-in-market4】Future Guard Option, Policy Split Option,【First-in-market5】Health Impairment Option, Death Benefit Settlement Option and【First-in-market6】Beneficiary Flexi Option, etc.

Access your wealth at ease with Flexi Withdrawal Option

You may apply to set up instruction to withdraw policy values from the policy during a period specified by you and to designate a recipient to receive such withdrawal payments7

Bonus Lock-in Option and Bonus Unlock Option for flexible money management

You may realise potential gains and earn interest at a non-guaranteed rate; or reallocating bonuses to capture market opportunities8

To enjoy peace of mind by knowing wealth growing effortlessly alongside you

Help your assets to grow and strengthen over time by offering guaranteed cash value, non-guaranteed Reversionary Bonus and non-guaranteed Terminal Bonus9

Seize global opportunities with【First-in-market10】Currency Exchange Option

Up to 9 policy currency options11 for exchange flexibly starting from the end of the 2nd policy year, giving you access to the advantages of global currencies

Value-added service

【First-in-market1】Future Wishes Arrangement
Crafting timeless legacies with one refined solution
Transitional Owner Arrangement3 with【First-in-market4】Future Guard Option
Seamless policy succession solution for intergenerational wealth transfer and preservation
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.
Notes:
 
  • The above information is for Hong Kong and Macau.

  • 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. As of 1 June 2026, compared against similar services offered by Hong Kong major insurance companies. First-in-market refers to Future Wishes Arrangement's feature which allows the policy owner to make different instructions for different specified triggering events in one integrated value-added service.
  2. Future Wishes Arrangement is only available to specified insurance plans and designated policies which meet our eligibility requirements. The policy must be issued in Hong Kong and Transitional Owner Arrangement is not designated for or being exercised under the policy. It is not applicable to corporate-owned policies and trust-owner policies. It is a value-added service and not a product feature, therefore it is not offered under the policy contract of Wealth Flexi Savings Insurance Plan. Application is subject to our approval to be determined at our discretion. We reserve the right to withdraw the Future Wishes Arrangement or change its terms and conditions or any related requirements at any time at our sole and absolute discretion. After Future Wishes Arrangement has been designated for the policy, all designations of Contingent Owner(s), Contingent Insured(s), Designated Ownership Recipient(s) and Designated Payment Recipient(s) under the Future Wishes Arrangement will override all existing designations of Contingent Owner, Contingent Insured, Designated Ownership Recipient and Designated Payment Recipient in the Company's records for the policy.
  3. Transitional Owner Arrangement is only available to specified insurance plans and designated policies which meet our eligibility requirements. The policy must be issued in Hong Kong. It is not applicable to corporate-owned policies. It is a value-added service and not a product feature, therefore it is not offered under the policy contract of Wealth Flexi Savings Insurance Plan. Application is subject to our approval to be determined at our discretion. We reserve the right to withdraw the Transitional Owner Arrangement or change its terms and conditions or any related requirements at any time at our sole and absolute discretion. Future Guard Option is one of the service features under the Transitional Owner Arrangement.
  4. Future Guard Option (only applicable under the Transitional Owner Arrangement) is first-in-market when compared against similar service offered by Hong Kong major insurance companies, pioneered by AIA in the Wealth Generation on 23 June 2025.
  5. First-in-market refers to the Health Impairment Option's specific feature where the policy owner can designate up to 2 different designated recipients and elect for both benefit payment and transfer of ownership under this option at the same time. This feature is first-in-market when compared with the savings insurance products provided by Hong Kong major insurance companies, pioneered by AIA in the Wealth Generation on 23 June 2025.
  6. 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 provided by Hong Kong major insurance companies, pioneered by AIA in the FlexiAchiever Savings Plan on 8 January 2025.
  7. From the later of (i) the end of the 5th policy year and (ii) the end of the premium payment term of your basic policy, provided there is no policy debt under your policy, you can apply to set up instruction to withdraw policy values from your policy on a regular basis during a period as specified by you ("Withdrawal Instruction"), and to designate a payments recipient to receive such withdrawal payments. Your application is subject to our approval at our sole and absolute discretion, applicable laws and our prevailing rules and conditions. Flexi Withdrawal Option is not applicable to corporate owned policies. If the withdrawal amount consists of part of the guaranteed cash value and the corresponding cash value of Terminal Bonus, it will lead to a reduction of the principal amount of your policy. The subsequent guaranteed cash value, cash value and face value of Terminal  Bonus (if any) and the total premiums paid or one-time premium paid (as applicable) for the basic plan as used in the calculation of the death benefit will all be reduced based on the reduced principal amount, and that any Reversionary Bonus and any Terminal Bonus which the Company may declare subsequently will be reduced accordingly. Therefore, such withdrawal will reduce the death benefit, the surrender benefit and the value of your policy as well as its sustainability and potential growth.
  8. Within 30 days after the end of each policy year starting from the end of the 15th policy year, you may apply to exercise the Bonus Lock-in Option once per policy year. An application to exercise the Bonus Lock-in Option cannot be changed or withdrawn once it has been submitted to us. Within 30 days after the end of each policy year starting from 1 year after you have exercised the Bonus Lock-in Option, you may apply to exercise the Bonus Unlock Option once per policy year.
  9. The non-guaranteed bonuses may be declared to your policy at least once per policy year starting from the end of the 3rd policy year.
  10. Currency Exchange Option was pioneered by AIA in the Global Power Multi-Currency Plan on 1 June 2021.
  11. Macau pataca (MOP) is only available for policies issued in Macau. Please note that there could be a material difference between your plan and the latest plan available for exchange under the Wealth Flexi Series in your designated new policy currency at the time when you exercise the Currency Exchange Option. The availability of Currency Exchange Option, and in a worst case scenario, may only be a one-time option under your current plan depending on the features of the new plan after exchange.

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