ProsperLife Insurance Plan offer

 

Customers successfully apply between now and 31st March 2026:

 

    • 5-year/30-year premium payment term – Enjoy up to 25%# premium refund*
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*Terms and conditions apply. Please download and refer to the promotion leaflet for details.

# Successfully apply ProsperLife Insurance Plan (5-year/30-year premium payment term) between now and 31st March 2026 to enjoy up to extra 10% premium refund^ (if same policyholder successfully applies for Specified Critical Illness Insurance Plan## and / or GlobalFlexi Savings Insurance Plan (5-year premium payment term)▼ with designated premium requirement during the promotion period).

^ The Extra Offer will only be applicable to the ProsperLife Insurance Plan (5-year/30-year premium payment term) and will not apply to the Specified Critical Illness Insurance Plan## and / or GlobalFlexi Savings Insurance Plan (5-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 be purchased through The Bank of East Asia, Limited (“BEA”) as a basic plan only.



Plan Highlights


    • Enjoy potential financial growth that empowers your life goals
      ProsperLife Insurance Plan is a participating whole life insurance plan with guaranteed and non-guaranteed returns. The plan offers guaranteed cash value, and once the policy has been in force for 3 years, we may provide a non-guaranteed Terminal Dividend if you surrender the policy or the insured passes away. This enables you to prepare for each new stage of life with confidence.

    • Be protected at every life stage with whole life protection
      In the face of evolving life transitions, ProsperLife Insurance Plan provides whole life protection. In the unfortunate event the insured passes away, we will pay the death benefit to your chosen beneficiary(ies), giving them a financial shield when they need it most.

       

    • Accidental Death Benefit (ProsperLife) Rider
      In the unfortunate event the insured passes away due to a covered accident on or before the earlier of (i) the end of the 15th policy year and (ii) age 75 of the insured, the Accidental Death Benefit (ProsperLife) Rider provides extra support with accidental death benefit, which is equal to 200% of the sum assured of the basic plan, subject to the limit that no more than US$1,000,000 can be claimed for accidental death benefit with respect to the same insured under all Accidental Death Benefit (ProsperLife) Riders. The Accidental Death Benefit (ProsperLife) Rider is subject to underwriting assessment and exclusions, and its eligibility depends on our underwriting decision.

    • Give your loved ones tailored support with a flexible settlement option
      You can customise the Death Benefit Settlement Option to address the unique needs of each beneficiary in receiving the death benefit and accidental death benefit (if applicable). You have the flexibility to decide the amount of each instalment and the payment interval (including monthly, quarterly, semi-annually, or annually) and you may also specify the date of the first or last instalment payment.

      If you have selected the Death Benefit Settlement Option, you may also select the Beneficiary Flexi Option. Under the Beneficiary Flexi Option, upon the beneficiary attaining the designated age selected by you or being diagnosed with a specified illness, including cancer, stroke, heart attack, terminal illness and kidney failure, such beneficiary can receive his / her share of the unpaid death benefit and accidental death benefit (if applicable) according to his / her selected settlement option.

       

      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 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.
        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.
      2.  


      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. ProsperLife 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. terminal dividend) 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. 

       

       

       

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