AIA introduces Wealth Generation with 4-year projected breakeven

HONG KONG SAR - Media OutReach Newswire - 25 June 2025 - AIA Hong Kong announced the launch of Wealth Generation ("the Plan"), a bespoke life insurance plan designed exclusively for high-net-worth (HNW) individuals. This Plan enables customers to capitalise on wealth creation opportunities in today's dynamic market while fostering long-term prosperity through strategic legacy planning. The Plan features multiple market-first^ legacy planning options, a rare-in-market* Flexi Withdrawal Option and value-added service, delivering a competitive projected total internal rate of return (IRR) ^#. With projected breakeven year as short as four years^#, this comprehensive solution addresses the dual priorities of HNW customers: wealth accumulation and legacy management.

She added: "AIA remains unwavering in our customer-centric approach, consistently delivering innovative products and thoughtful services that go beyond expectations and delight our customers. Wealth Generation exemplifies this commitment, with its market-first legacy planning options, rare Flexi Withdrawal Option and value-added services. This empowers our customers with greater control and flexibility over their wealth accumulation and legacy planning journey, embodying AIA's commitment to helping them achieve Healthier, Longer, Better Lives."

Key features and value-added services of the Wealth Generation:

Empowering Wealth Growth

Short projected total breakeven year and competitive projected total IRR

• Projected total breakeven year as short as four years^#, with a 10-year projected total IRR of up to 5.05%^#, helping customers seize opportunities for steady wealth growth.

• Guaranteed cash value and non-guaranteed Terminal Dividend¹, along with the Terminal Dividend Lock-in Option², enabling customers to secure potential returns while pursuing long-term financial growth.

Rare-in-market* Flexi Withdrawal Option³

• Policyholders can set up flexible withdrawal instructions starting from the end of the 5^th policy year, where they may automatically and regularly withdraw policy values during their specified period for payment to the designated payment recipient, catering to their evolving needs at different life stages.

Seamless Legacy Planning

Legacy Planning Options and Value-added Services

• Market-first^ Future Guard Option: Through the value-added service, Transitional Owner Arrangement⁴, policyholder can designate a family member as the contingent owner of the policy and another aged 18 or above family member as the transitional owner of the policy. The transitional owner will oversee the policy with limited administrative rights until the designated contingent owner takes over ownership of the policy upon reaching the date or age as specified by the policyholder.

• The Future Guard Option also allows the transitional owner to split the policy into two separate policies and to designate another family member as the new contingent owner and insured of the split policy. Ownership of the split policy is transferred when the new contingent owner reaches the specified date or age, ensuring seamless and harmonious wealth succession across generations.

Safeguarding Loved Ones

• Market-first^ Beneficiary Flexi Option: Under specified conditions⁵, beneficiaries are empowered to flexibly choose their settlement options to receive their share of the unpaid death benefit and accidental death benefit. This ensures a personalised and holistic approach to legacy planning.

• Market-first^ Health Impairment Option⁶: In the event that the policyholder suffers from a mental issue or becomes unconscious for a certain period due to a specified illness, the designated recipient⁷ can receive benefit payment or policy ownership according to the policyholder's instructions. This feature safeguards the financial well-being of loved ones.

Recognising the exacting standards of HNW customers for health and wealth solutions, AIA established AIA Club Alta in 2023 to deliver curated privileges⁸ across three pillars: health and wellness, wealth management and exquisite lifestyle experiences. These exclusive offerings have empowered customers to strike an optimal balance between health and wealth, enabling them to enjoy a more prosperous and fulfilling life. AIA Club Alta also extends its bespoke wealth management privileges⁹ to include advisory services on tax planning, trusts, legal and family office consultations. When combined with Wealth Generation, these services provide customers with an effective solution, ensuring the mastery of wealth amplification, seamless wealth succession and peace of mind for generations to come.

All information above is for reference only and does not constitute any offer and/or insurance product recommendation. 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, please refer to the product brochure and policy contract of relevant products or visit the AIA Hong Kong's website.

The issuer is solely responsible for the content of this announcement.