The Bank of East Asia

Insurance, MPF & Trust

Simply Love Encore 5 Offer

Successfully apply between now and 30th June, 2024:

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

Plan Highlights

Stable returns to secure your future

Simply Love Encore 5 is a participating whole life insurance plan that covers the entire lifespan of the insured, who is the person protected under the policy. This plan provides you with guaranteed cash value, non-guaranteed Annual Dividends and non-guaranteed Terminal Dividend, all of which form your policy values.

Simply Love Encore 5 can help you achieve guaranteed and potential gains as well as long-term wealth accumulation. We will distribute the profit generated from the product group of participating whole-life insurance plan by providing you with non-guaranteed annual cash amounts called Annual Dividends on a yearly basis, which begin from the end of the corresponding policy year. You may choose to receive the Annual Dividends in cash, or use them to reduce any premium due under this policy (for a policy other than a one-time premium payment policy). Otherwise, these sums shall accumulate in your policy, potentially earning interest.

Also, once the policy has been in force for 2 years (for a one-time premium or 5-year premium payment policy) or 5 years (for a 10-year premium payment policy), we will provide you with a one-off non-guaranteed cash amount, called a Terminal Dividend if:

  1. you surrender the policy; or
  2. the insured passes away.

Realise potential returns with the Terminal Dividend Lock-in Option

Through the Terminal Dividend Lock-in Option, Simply Love Encore 5 enables you to realise potential returns by transferring the latest value of the Terminal Dividend into a Terminal Dividend Lock-in Account to earn interest at a non-guaranteed rate. This is available once per policy year, starting from the end of the 15th policy year.

To provide further flexibility for your financial needs throughout various life stages, you can also withdraw cash from Terminal ¬¬ Dividend Lock-in Account anytime without reducing the principal amount of your policy.

For the product details, please click here.


  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.

Important Notes:



Appointment Booking 


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