GlobalFlexi Savings Insurance Plan Offer
Customers successfully apply between now and 31st October 2025:
- 5-year/10-year premium payment term – Enjoy up to 28%# premium refund*
- One-time premium payment – Enjoy up to 7% premium discount*
*Terms and conditions apply. Please download and refer to the promotion leaflet for details.
#Successfully apply between now and 31st October 2025 to enjoy up to extra 8% premium refund^ (if same policyholder successfully applies for Specified Critical Illness Insurance Plan## and / or Global Power Multi-Currency Plan 3 (5-year / 10-year premium payment term) ▼ with designated premium requirement during the promotion period).
^ The Extra Offer will only be applicable to the GlobalFlexi Savings Insurance Pla (5-year premium payment term) and will not apply to the Specified Critical Illness Insurance Plan## and / or Global Power Multi-Currency Plan 3 (5-year / 10-year premium payment term) policy.
##Specified Critical Illness Insurance Plan▼ refers to On Your Side Insurance Plan 2, On Your Side Insurance Plan 2 – First Gift and Essence – On Your Side Insurance Plan (including AIA Vitality Series, if applicable).
▼Can only be purchased through The Bank of East Asia, Limited (“BEA”) as a basic plan.
Plan Highlights
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Accumulate wealth without hassle
GlobalFlexi Savings Insurance Plan is a participating whole-life insurance plan under the GlobalFlexi Series with guaranteed and non-guaranteed returns. The plan helps you accumulate wealth by offering guaranteed cash value and, starting from the end of the 3rd policy year, we may at our sole discretion declare a non-guaranteed Reversionary Bonus and a non-guaranteed Terminal Bonus once per policy year. You can enjoy peace of mind knowing that your wealth is growing effortlessly alongside you. -
Seize global opportunities with Currency Exchange Option
Starting from the end of the 2nd policy year and within 30 days after the end of a policy year, you can apply to switch your policy currency to one of the following 9 different currencies, including Renminbi (RMB), British pound sterling (GBP), US dollar (US$), Australian dollar (AUD), Canadian dollar (CAD), HK dollar (HK$), Macau pataca (MOP; only for policies issued in Macau), Euro (EUR) and Singapore dollar (SGD), by exchanging your GlobalFlexi Savings Insurance Plan policy to the latest plan under the GlobalFlexi Series which we offer in the new policy currency at the time of currency exchange. After currency exchange, your policy’s effective date will remain unchanged, and policy values will be recalculated and continue to grow based on the new policy currency. -
Access your wealth at ease with Flexi Withdrawal Option
Starting 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, you can apply to set up instruction to withdraw the policy values from your policy on a regular basis during a period specified by you and to designate a recipient, who can be yourself or a loved one, to receive such withdrawal payments. Making it easier to plan your wealth, you may change the recipient and / or the frequency of payments at any time and as many times as you wish, subject to our approval. -
Value Safeguard Option to meet your evolving needs
Starting from the end of the 6th policy year, you can withdraw part or all of the cash value of any Reversionary
Bonus and the corresponding cash value of any Terminal Bonus for transfer to the Value Safeguard Account without reducing the principal amount of your policy**. You can also withdraw part of the guaranteed cash value and the corresponding cash value of any Terminal Bonus for transfer to the Value Safeguard Account, however this will reduce the principal amount of your policy**.By transferring an amount to the Value Safeguard Account, you can earn non-guaranteed interest in the account before making any withdrawals from the account, empowering you to plan for the future with financial assurance.
** If the withdrawal amount consists of the cash value of any Reversionary Bonus and corresponding cash value of any Terminal Bonus, it will lead to reduction of the cash values and face values of the Reversionary Bonus and Terminal Bonus, and that any Reversionary Bonus and any Terminal Bonus which the Company may declare subsequently will be reduced accordingly. If the withdrawal amount consists of part of the guaranteed c ash 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, the face value and cash value of Terminal Bonus, and the one-time premium paid or the total premiums 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 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, the value of your policy as well as its sustainability and potential growth.
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Bonus Lock-in Option and Bonus Unlock Option for flexible money management
Through the Bonus Lock-in Option, GlobalFlexi Savings Insurance Plan enables you to realise potential returns by transferring an identical percentage of the latest cash value of each of the Reversionary Bonus (if any) and the Terminal Bonus (if any) into a Bonus Lock-in Account◆ to earn non-guaranteed interest. This is available once per policy year starting from the end of the 15th policy year, and application for such transfer must be made within 30 days after the end of a policy year.To provide flexibility for your financial needs throughout various life stages, you can make cash withdrawals from the Bonus Lock-in Account at any time without reducing the principal amount of your policy.
By exercising the Bonus Unlock Option, you can unlock and transfer a certain amount of the latest value of the Bonus Lock-in Account as the non-guaranteed Reversionary Bonus and the non-guaranteed Terminal Bonus▲ to suit your financial needs. This is available once per policy year starting from 1 year after bonus lock-in has been made, and application for such transfer must be made within 30 days after the end of a policy year.◆ After the cash value of each of the Reversionary Bonus and Terminal Bonus are transferred to the Bonus Lock-in Account, any Reversionary Bonus and any Terminal Bonus which the Company may declare subsequently will be reduced accordingly.
▲The unlock amount will be changed from guaranteed -
Customise your asset allocation with Policy Split Option
Needs change from time to time and GlobalFlexi Savings Insurance Plan is designed to help you adapt to your evolving needs. Starting from the later of (i) the end of the premium payment term of your basic policy and (ii) the end of the 1st policy year, the Policy Split Option allows you to manage your wealth with precision by seamlessly transferring certain policy values from your policy (“Principal Policy”) to a separate policy (“Split Policy”). Immediately after exercising the Policy Split Option, your policy will split into two policies each with a smaller principal amount, with no change to the effective date of the Principal Policy while the effective date of the Split Policy will be the same as the Principal Policy.
After the Policy Split Option is exercised, you can apply to change the policy currency of the Split Policy pursuant to the Currency Exchange Option and / or to change the insured of the Split Policy pursuant to the Change of Insured Option. This flexibility allows you to allocate your assets strategically through multi-currency policies and to create a legacy tailored to you and your family.
For the product details, please click here.
Notes:
- “We”, “our”, or “us” herein refers to AIA International Limited (Incorporated in Bermuda with limited liability) ("AIA").
- The above 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.
- 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. Global Flexi Savings Insurance Plan 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. reversionary bonus, terminal bonus) 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.
