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    Life Protection

    Rain or shine, life protection ensures your loved ones are well taken care off, helping you to forge ahead without any worries.

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      A plan for every stage in your life

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    Health is your greatest asset, yet unexpected medical expenses can eat into your savings. With medical protection, you can shield yourself against various medical expenses and focus on your recovery.

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Life Protection
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  • vitality

    Benefit Term

    Up to age 85

    Issue age

    Age 18 - 55

    Why do you need this plan?

    • Guaranteed to be renewable at the end of each renewal period (i.e. 1-year / 5-year / 20-year), up to the age of 85 of the insured. Premiums are guaranteed to remain unchanged within each renewal period

      Guaranteed to be renewable at the end of each renewal period (i.e. 1-year / 5-year / 20-year), up to the age of 85 of the insured. Premiums are guaranteed to remain unchanged within each renewal period

    • Super Lifestage Option - provides customers with flexibility to purchase additional term insurance cover at milestone events in their life without requiring additional health information, including when the insured is getting married, giving birth or buying a new home

      Super Lifestage Option - provides customers with flexibility to purchase additional term insurance cover at milestone events in their life without requiring additional health information , including when the insured is getting married, giving birth or buying a new home

    • Conversion Privilege - provides option for converting an existing policy of this plan into a whole life protection insurance plan without requiring additional health information on or before the insured reaching the age of 70

      Conversion Privilege - provides option for converting an existing policy of this plan into a whole life protection insurance plan without requiring additional health information on or before the insured reaching the age of 70

    • Product Brochure Product Brochure
    • Policy Provisions Policy Provisions
    • Premium Table Premium Table

    Help us know you better for an accurate quote

    Date of birth
    Gender
    Smoking Habit ^

    ^Smoker defines as someone who have smoked in the past 12 months
    The meaning of “smoking” includes but is not limited to cigarettes, cigars, tobacco pipes, chewing tobacco and the use of nicotine replacement products (such as e‐cigarettes)

    SPECIFIED PROTECTION PLANS PREMIUM REFUND OFFER

    Apply successfully for a Specified Protection Plan during the promotion period to enjoy our limited time offer. Learn More.
    (Terms and Conditions apply).

    Different options to suit your needs

    Wisdom Term provides 3 renewal periods for you to choose from: 1 year, 5 years and 20 years. This plan is also available as a basic plan or an add-on plan. Pick one that best suits your needs so that you can plan ahead.

    Different premium payment modes (annually and monthly) are available for this plan. For add-on plans, the premium payment mode should follow the attaching basic plan.

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    Monthly Premium
    (% OFF)

    JOIN AND ENJOY AN INSTANT 10% PREMIUM DISCOUNT

    We are excited to introduce AIA Vitality, a game changing wellness programme which redefines the traditional concept of insurance and aims to reward customers to live a healthy lifestyle. Once you join AIA Vitality, you can enjoy an instant 10% premium discount!

    What does it provide?

    Life is unpredictable. As a breadwinner, you will always worry about the wellbeing of your family when mishap unexpectedly happens. That is why we have specially designed Wisdom Term Life Plan, a life protection insurance plan that provides you and your family with ample protection at affordable premiums, which are guaranteed to remain unchanged within each renewal period. The plan is also guaranteed to be renewable at the end of each renewal period up to the age of 85. In addition, as your need of life insurance may change over time, our Super Lifestage Option provides you with the flexibility to purchase additional term insurance cover at milestone events in your life.

    • Protection for your loved ones
      Protection for your loved ones

      If the insured, who is the person protected under the policy, passes away, we will pay the death benefit to the person whom you select in your policy as beneficiary. The death benefit will be equal to 100% of the sum assured.

      We will deduct all outstanding amount you owe to us under your policy before we make the payment to the beneficiary.

    • Super Lifestage Option
      Super Lifestage Option

      You may need better life insurance protection when you enter another stage of life. Wisdom Term Life Plan offers you an option to purchase an additional term life insurance plan in the form of add-on plan without requiring further health information upon any of the following milestone events:

      • the insured obtains a property mortgage and drawdown the mortgage loan (new purchase of residential property);
      • the insured’s marriage; or
      • the birth of a natural child of the insured (excluding adoption).

       

      You may exercise the Super Lifestage Option:

      • a maximum of once per milestone event and any two milestone events for the same insured;
      • each purchase of the additional add-on plan must be separated by at least 2 consecutive years;
      • after the plan has been in force for 2 years;
      • on or before the anniversary of cover immediately following the insured’s 60th birthday;
      • within 180 days from the date of the milestone events; and
      • provided that no claim is submitted to us or has been made under this policy.

       

      The sum assured of each new add-on plan cannot exceed:

      • HK$1,875,000;
      • 50% of the sum assured of this plan; or
      • the mortgage loan amount obtained by the insured for the new purchase of residential property.

       

      Whichever is lower.

      Eligibility of this benefit is subject to underwriting requirements determined by us from time to time.

    • Terminal Illness Benefit
      Terminal Illness Benefit

      In the unfortunate event that the insured is expected to pass away within 12 months due to a terminal illness, as confirmed by both the registered medical practitioner in the appropriate medical specialty and our appointed registered medical practitioner, a one-off advance payment, equal to 100% of the sum assured will be paid as Terminal Illness Benefit to help you alleviate the financial burden of medical expenses. The sum assured will be reduced accordingly after the advance payment is paid. The maximum aggregate amount of payment made by us under all terminal illness benefit(s) issued by us will be HK$15,000,000 for the same insured. Eligibility of this benefit is subject to underwriting requirements determined by us from time to time.

    • Guaranteed Renewal
      Guaranteed Renewal

      Wisdom Term Life Plan guarantees that your premium will not be increased because of any changes in your health condition within each renewal period. This cover is guaranteed to be renewable at the end of each renewal period up to the age of 85 of the insured. Renewal premium of next renewal period will be based on the prevailing premium rates for the age of the insured at the time of renewal (Please refer to the “Premium Adjustment” under Important Information).

    • Conversion Privilege
      Conversion Privilege

      On or before the anniversary of cover immediately following the insured’s 70th birthday, the plan can be converted into a whole life protection insurance plan without requiring additional health information, subject to increase in premium and choices of products then made available for the purpose of this privilege.

    Important information

    Important information
    - COLLAPSE + EXPAND

    This website does not contain the full terms and conditions of the policy. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of this product. The precise terms and conditions of this plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. This website should be read along with the illustrative document (if any) and other relevant marketing materials, which include additional information and important considerations about this product. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary.

    This plan is an insurance plan without any savings element. All premiums are paid for the insurance and related costs.

    This brochure is for distribution in Hong Kong only.


    Key Product Risks

    Key Product Risks
    - COLLAPSE + EXPAND
    1. You need to pay the premium for this plan till age 85; or for this add-on plan until age 85 or when the basic plan it is attached to is terminated, whichever is earlier. If you do not pay the premium within 31 days of the premium due date, the policy will be terminated and you / the insured will lose the cover.
    2. You may request for the termination of your policy by notifying us in written notice. Also, we will terminate your policy and you / the insured will lose the cover when one of the following happens:
      • the insured passes away;
      • the Terminal Illness Benefit is paid and the sum assured under this policy is fully paid in advance;
      • you do not pay the premium within 31 days of the premium due date;
      • when you take this plan as an add-on plan of any basic plan which has been terminated or converted to a non- participating insurance plan; or
      • anniversary of your cover immediately following the insured’s 85th birthday.
    3. We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, you may lose your premium paid and benefits.
    4. You are subject to exchange rate risks for plans denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.
    5. Your current planned benefit may not be sufficient to meet your future needs since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations.
    6. Total premiums payable may be greater than the sum assured.

    Key Exclusion

    Key Exclusion
    - COLLAPSE + EXPAND

    Under this plan, we will not cover any terminal illnesses that result from any of the following events:

    • the signs and symptoms of terminal illness first occur on or before 90 days from the issue date of the policy; or
    • the 12-month period which the insured is expected to pass away due to the terminal illness falls on or after the Policy Anniversary immediately following the insured’s 85th birthday; or
    • the terminal illness is caused by any pre-existing illnesses, diseases, impairments or conditions from which the insured was suffering prior to the policy being issued, unless the insured makes a declaration in the application for the policy, and such application is specifically accepted by us; or
    • the terminal illness is the result of or is related (directly or indirectly) to Acquired Immunodeficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or
    • the terminal illness is due (directly or indirectly) to a congenital defect or disease which manifests or is diagnosed before the insured attains 17 years of age; or
    • the terminal illness is the result of self-inflicted injury or injuries; or
    • the terminal illness is the result of any physical or mental condition existing before the policy was issued, and which was not disclosed in any application or in any health statement relating to the policy before the commencement of cover.

    The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.


    Premium Adjustment

    Premium Adjustment
    - COLLAPSE + EXPAND

    In order to provide you with continuous protection, we will review the premium of your plan from time to time and adjust it accordingly at the end of each renewal period if necessary. During the review, we may consider factors including but not limited to the following:

    • claim costs incurred from all policies under this plan and the expected claim outgo in the future which reflects the impact of change in the incidence rate of death
    • historical investment returns and the future outlook of the product’s backing asset
    • policy surrenders and lapses
    • expenses directly related to the policy and indirect expenses allocated to this product

     

    We will give you a written notice of any revision 31 days before renewal.


    CLAIM PROCEDURE

    CLAIM PROCEDURE
    - COLLAPSE + EXPAND

    If you wish to make a claim, you must send us the appropriate forms and relevant proof. You can get the appropriate claim forms in www.aia.com.hk, from your financial planner, by calling the AIA Customer Hotline (852) 2232 8888 in Hong Kong, or (853) 8988 1822 in Macau, or by visiting any AIA Customer Service Centre. For details related to making a claim, please refer to the policy contract. If you wish to know more about claim related matter, you may visit “File A Claim” section under our company website www.aia.com.hk.


    Suicide

    Suicide
    - COLLAPSE + EXPAND

    If the insured commits suicide within one year from the date on which the policy takes effect, our liability will be limited to the refund of premiums paid (without interest) less any outstanding amount you owe to us under the poilcy.


    Incontestability

    Incontestability
    - COLLAPSE + EXPAND

    Except for fraud or non-payment of premiums, we will not contest the validity of this policy after it has been in force during the lifetime of the insured for a continuous period of two years from the date on which the policy takes effect. This provision does not apply to any add-on plan providing accident, hospitalisation or disability benefits.


    Cancellation Right

    Cancellation Right
    - COLLAPSE + EXPAND

    You have the right to cancel and obtain a refund of any premiums and any levy paid by giving written notice to us. Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong within 21 calendar days after the delivery of the policy or issue of the written notice to you or your representative informing you that the policy is available, whichever is earlier.


    CONTACT AIA
    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).


    HONG KONG

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    CONTACT AIA

    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).


    Hong Kong

    T: (852)  2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong
     
    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong
     
    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

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