Forever Love Coupon Plan 5 offer

Successfully apply between now and 31^st December, 2024:

• 6 year / 10 year / 15 year / 20 year premium payment term – Enjoy 10% premium refund*

*Terms and conditions apply. Please download and refer to the promotion leaflet for details.

Plan Highlights

• Accumulate wealth for a prosperous future
  Forever Love Coupon Plan 5 is a participating insurance plan that provides you with guaranteed cash value, guaranteed cash payments, as well as non-guaranteed annual cash amounts called Annual Dividends, which begin from the end of the 10th policy year. You may choose to receive the Annual Dividends in cash or use them to reduce any premium due under this policy.
  Otherwise, these sums shall accumulate in your policy, potentially earning interest.
  Also, once the policy has been in force for 10 years or more, we will provide you with a non-guaranteed one-off payment, called a Terminal Dividend if:
  i. you surrender the policy; or
  ii. the insured (who is the person protected under the policy) passes away.

• Guaranteed cash payments 
  To help you achieve greater financial flexibility, Forever Love Coupon Plan 5 distributes two types of guaranteed cash payments, which you can start receiving in a year at the soonest, according to the table below.
  The principal amount is used to calculate premium and relevant policy values and will not be payable as death benefit (except in the case of the accidental death benefit).
  You may choose to withdraw the guaranteed cash payments while the policy is in force. Otherwise these payments shall accumulate interest in the policy at rates declared by us, paving the way for a more comfortable future.

• If the worst should happen
  If the insured passes away, we will pay the death benefit to the person whom you select in your policy as beneficiary. The death benefit will include:
  i. guaranteed cash value; or the remaining balance of 105% of the total premiums paid for your basic plan after the deduction of any guaranteed cash payments paid, whichever is higher;
  ii. any guaranteed cash payments that have accumulated with interest under the policy;
  iii. any Annual Dividends that have accumulated with interest under the policy; plus
  iv. any Terminal Dividend.
  We will deduct all outstanding debt under your policy before we make the payment to the beneficiary. If the insured passes away due to a covered accident within the first 12 months of the policy, Forever Love Coupon Plan 5 also pays a benefit equal to the principal amount for your basic plan in addition to the above death benefit. The maximum aggregate amount of this additional benefit under all Forever Love Coupon Plan 5 policies for the same insured will be US$100,000.

• Flexible premium payment terms
  Forever Love Coupon Plan 5 is denominated in US dollars, and starts from a minimum principal amount of US$5,000. You can select from four premium payment terms according to your personal financial needs and premium amounts are guaranteed to be fixed throughout the premium payment term, which makes you enjoy long-lasting and in-depth wealth planning.
  Different premium payment modes (annually, semi-annually, quarterly and monthly) are available for this plan.

For the product details, please click here.

Notes:

1. “We”, “our”, or “us” herein refers to AIA International Limited (Incorporated in Bermuda with limited liability) ("AIA").
2. The product information in this material 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 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.
3. We would like to remind you to review the relevant product materials and proposal illustrations (if applicable) provided to you and seek independent professional advice if necessary.

Important Notes:

• The Bank of East Asia, Limited (“BEA”), being registered with the Insurance Authority as a licensed insurance agency, act as an appointed licensed insurance agent for AIA International Limited (Incorporated in Bermuda with limited liability) (AIA). This insurance plan is a product of AIA but not BEA.
• This insurance plan is underwritten by AIA and it is not a bank savings plan with free life insurance coverage. The premium paid is not a placement of a savings deposit with the bank and hence is not protected by the Deposit Protection Scheme in Hong Kong. Forever Love Coupon Plan 5 is an insurance plan with a savings element. Part of the premium pays for the insurance and related costs. If you are not happy with your policy, you have a right to cancel it within the cooling-off period and obtain a refund of any premiums and levy paid. A written notice signed by you should be received by the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong within the cooling-off period (that is, 21 calendar days immediately following either the day of delivery of the policy or cooling-off notice (informing you / your nominated representative about the availability of the policy and expiry date of the cooling-off period, whichever is earlier)). After the expiration of the cooling-off period, if you cancel the policy before the end of the term, the projected total cash value may be substantially less than the total premium you have paid.
• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BEA and the customer out of the selling process or processing of the related transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer.
• For the benefits and returns mentioned throughout this material, please note that the policy owner is subject to the credit risk of AIA. If the policy owner discontinues and / or surrenders this policy in early policy years, the amount of benefits he / she will get back may be considerably less than the total premiums he / she has paid. Projected and / or potential benefits and / or returns (e.g. annual dividends, terminal dividend, interests) presented in this material are not guaranteed and are for illustrative purposes only. The actual future amounts of benefits and / or returns may be lower than or higher than the currently quoted benefits and / or returns.

For enquiries, please visit your nearest BEA branch or call 2232 8968.