Insurance Services
BEA x AIA’s all-round insurance solutions offer you innovative answers to set your life on a healthier track.
Life Insurance - Underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)
Savings and Retirement Income |
Bonus Power Vantage >Whether you’re preparing an education fund, retirement savings or your legacy planning, Bonus Power Vantage could help you accumulate wealth with potentially attractive returns over time to fulfil your financial goals and enrich your life Global Power Multi-currency Plan 3 >Offers a choice of up to 9 currencies1, helping you achieve long-term wealth accumulation and potentially attractive returns, with the flexibility to change policy currency2 Simply Love Encore 5 >Offers you stable returns to secure your future and realise dreams at every stage of life Wealth Enrich >You may enjoy whole life coverage with the added flexibility to make withdrawals and meet your changing needs, while paving the way towards a brighter future for the ones you love |
Savings |
Forever Love Coupon Plan 5 >Helps you accumulate wealth and make promises that endure |
Retirement Income |
AIA Deferred Annuity Plan >Provides you monthly annuity payment and tax deduction of up to HK$60,000 per taxpayer each year, helping you to realise a fulfilling retirement life |
Critical Illness Protection |
EasyGuard Care Essence >Offers budget-friendly cover for cancer, heart attack, and stroke On Your Side Plan / On Your Side Plan - First Gift >Offers your protection totalling up to 900% of your Initial Sum Assured in the event of a critical illness like cancer, heart attack, stroke and Alzheimer’s disease, or an Intensive Care Unit (ICU) stay |
Life Protection |
Admire Life 2 >Provides you lifetime protection and stable returns to let you enjoy life with your loved ones. Expert Term Life Plan >Sum assured starting from US$500,000 or HK$3,750,000 that provides more protection with the flexibility you deserve Wisdom Term Life Plan >Provides you and your family with ample protection at affordable premiums – guaranteed to remain unchanged within each renewal period Wealth Preserver 5 >Offers whole-life insurance protection as well as flexible control of your financial legacy. Your policy can be designed to suit your estate planning arrangements, so you can continue nurturing your family even beyond your lifetime Wealth Elite 2 - Ruby / Wealth Elite 2 - Sapphire >Provides you with substantial Life protection, so your loved ones stay secure no matter what life brings |
Medical Protection |
CEO Medical Plan 5 / CEO Medical Plan (Worldwide) 5 >CEO Pearl Medical Plan 5 / CEO Pearl Medical Plan (Worldwide) 5 >OptimaCEO Medical Plan / OptimaCEO Medical Plan (Worldwide) /OptimaCEO Medical Plan – First Gift >OptimaCEO Pearl Medical Plan /OptimaCEO Pearl Medical Plan (Worldwide) /OptimaCEO Pearl Medical Plan – First Gift >Provides a lifetime of quality medical insurance and confidence in any situation. With global medical protection, guaranteed renewal and full reimbursement for major medical expenses, you can pursue your life with passion and make the most out of every occasion. |
To view promotional offers (if any)* on the products above, please click Latest Promotions below.
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^AIA refers to AIA International Limited (Incorporated in Bermuda with limited liability).
*Terms and conditions apply. For details, please download and refer to the promotion leaflet.
1Including Macau pataca (“MOP”), which is only available for policies issued in Macau
2Subject to relevant terms and regulations, for details and relevant risks, please refer to product brochure
Remark: This marketing material contains general information and for reference only. It does not constitute as an offer and/or insurance product recommendation. Customer must complete the financial needs analysis process before applying for any insurance product. For details of the product features, terms and conditions, exclusions and key product risks, you may refer to the relevant product brochure and policy contract. 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.
Important Notes:
- These above insurance plans can only be purchased through The Bank of East Asia, Limited ("BEA") as a basic plan.
- BEA, being registered with the Insurance Authority as a licensed insurance agency, act as an appointed licensed insurance agent for AIA. The above insurance plans are a product of AIA but not BEA.
- The above insurance plans are underwritten by AIA and it is not a bank savings plan with free life insurance coverage. Part of the premium pays for the insurance and related costs. 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.
- Expert Term Life Plan, Wisdom Term Life Plan, EasyGuard Care Essence , CEO Medical Plan 5 / CEO Medical Plan (Worldwide) 5 and CEO Pearl Medical Plan 5 / CEO Pearl Medical Plan (Worldwide) 5 are term life insurance plan without any savings element. All premiums are paid for the insurance and related costs. After the expiration of the cooling-off period, if you cancel the policy before the end of the term, you will not receive the refund of premiums paid.
- Admire Life 2, Forever Love Coupon Plan 5, Wealth Elite 2 – Ruby, Wealth Elite 2 – Sapphire, On Your Side Plan / On Your Side Plan – First Gift, AIA Deferred Annuity Plan, Bonus Power Vantage, Global Power Multi-Currency Plan 2, Simply Love Encore 5 and Wealth Enrich are insurance plan with a savings element; Wealth Preserver 5 is a universal life insurance plan. Part of the premium pays for the insurance and related costs. After the expiration of the cooling-off period, if you cancel the policy before the end of the term, the projected total cash / surrender value may be substantially less than the total premium you have paid.
- 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).
- 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 Expert Term Life Plan, Wisdom Term Life Plan, EasyGuard Care Essence, CEO Medical Plan 5 / CEO Medical Plan (Worldwide) 5 and CEO Pearl Medical Plan 5 / CEO Pearl Medical Plan (Worldwide) 5 - For the benefits mentioned throughout the product brochure and Important Notes, please note that the policy owner is subject to the credit risk of AIA. If the policy owner discontinues and / or cancels this policy, he / she will not get back any of the premiums he / she has paid.
- For Admire Life 2, Forever Love Coupon Plan 5, Wealth Elite 2 – Ruby, Wealth Elite 2 – Sapphire, On Your Side Plan / On Your Side Plan – First Gift , AIA Deferred Annuity Plan, Bonus Power Vantage, Global Power Multi-Currency Plan 2, Simply Love Encore 5, Wealth Preserver 5 and Wealth Enrich - For the benefits and returns mentioned throughout the product brochure and Important Notes, 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. reversionary bonus (if applicable), terminal bonus (if applicable), dividend (if applicable), interests (if applicable) and non-guaranteed crediting interest rate (if applicable) etc.) presented in the product brochure 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.
Tax Implication of Qualifying Deferred Annuity Policy (QDAP)
Certification by Insurance Authority (IA)
The IA certification is not a recommendation or endorsement of the policy nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all policyholders / policy owners nor is it an endorsement of its suitability for any particular policyholder / policy owner or class of policyholders / policy owners. The policy has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy.