This website is for reference only. 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. 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 brochure is for distribution in Hong Kong only.

1. You should pay premium(s) for this plan till the insured’s age 80 as long as you renew for this plan. 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. We will terminate your policy and you / the insured will lose the cover when one of the following happens:
   • the insured passes away;
   • you do not pay the premium within 31 days of the due date;
   • anniversary of your cover immediately following the insured’s 80th birthday; or
   • when the claims payments made in total for benefits under the policy reach 100% of the Initial Sum Assured.
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. 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.
5. The premium charged shall be determined in accordance with the applicable premium for the age of the insured at the time of renewal. The total premiums payable under the policy may be greater than the Initial Sum Assured.

Except for the death benefit, under this plan, we will not cover any of the following events or conditions that result from any of the following events:

• any illnesses with signs / symptoms caused or triggered by conditions, which first occurred before or within 90 days after the policy is issued; and

• Fulminant viral hepatitis or cancer of the insured was due to AIDS or HIV infection.

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

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 policy year 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 deaths and covered illnesses 
• 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
  

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).

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.

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 days after the delivery of the policy or the issue of written notice to you or your representative informing you that the policy is available, whichever is earlier.