FlexiAchiever Savings Plan Flexible Financial Solution Integrating Wealth Accumulation, Liquidity and Legacy Planning to Save up for a World of Possibilities
FlexiAchiever Savings Plan Flexible Financial Solution Integrating Wealth Accumulation, Liquidity and Legacy Planning to Save up for a World of Possibilities
Enjoy a premium refund of up to 13% upon successful application
成功申请后可享受高达13%的保费退款
HONG KONG, Jan. 9, 2025 /PRNewswire/ -- AIA Hong Kong & Macau announces the launch of the FlexiAchiever Savings Plan that integrates long-term wealth accumulation, liquidity, and legacy planning. The Plan is designed to empower customers to address their future needs through flexible financial management, enabling them to reach their financial goals with greater ease. Among its key features is a first-in-market[1] Special Bonus, allowing customers to achieve stable wealth growth while obtaining potential bonuses. The Plan also offers a rare-in-market[2] Value Safeguard Option, enabling customers to enjoy liquidity for unexpected financial needs. Its first-in-market[3] Beneficiary Flexi Option helps customers safeguard their loved ones and pass on their wealth to future generations.
香港，2025年1月9日 /美通社/ -- 友邦保险香港及澳门宣布推出整合长期财富积累、流动性和遗产规划的FlexiAchiever储蓄计划。该计划旨在通过灵活的财务管理，帮助客户应对未来需求，使他们更轻松地实现财务目标。其主要特点之一是市场首个[1]特别红利，允许客户在获得潜在红利的同时实现稳定的财富增长。该计划还提供市场罕见的[2]价值保障选项，使客户能够享受应对意外财务需求的流动性。市场首个[3]受益人灵活选项帮助客户保护他们的至亲，并将财富传承给后代。
During the promotional period, customers can enjoy a premium refund[4] of up to 13% upon successful application of the FlexiAchiever Savings Plan.
在推广期间，客户可在成功申请FlexiAchiever储蓄计划后享受高达13%的保费退款。
Ms Alice Liang, Chief Proposition & Healthcare Officer of AIA Hong Kong & Macau, said, "The global economic landscape is ever-evolving. Our recent Savings Preference Voice of Customer research[5] revealed that when considering wealth products, customers are not only looking for long-term returns; they also increasingly prefer flexibility and liquidity options to help them feel confident in navigating their future.
友邦保险香港及澳门首席方案与医疗官员Alice Liang女士表示：“全球经济形势千变万化。我们最近的储蓄偏好客户声音研究[5]显示，在考虑财富产品时，客户不仅仅关注长期收益；他们也越来越倾向于灵活性和流动性选择，以帮助他们在应对未来时更加自信。”
Anchored by our unwavering commitment to customer centricity, AIA Hong Kong & Macau designed the FlexiAchiever Savings Plan to address customers' needs for flexible wealth management with multiple market-leading features. The Plan supports customers in their long-term wealth accumulation while also allowing them to enjoy liquidity to pursue their aspirations, whether it is taking a career break or pursuing a dream hobby. Additionally, the Plan incorporates dynamic options for passing on wealth, realising a one-stop solution for wealth accumulation, liquidity[#] and legacy planning. According to research, new residents in Hong Kong and pre-retirees would especially find the FlexiAchiever Savings Plan appealing as they have a strong preference for flexibility in wealth management.
在我们对以客户为中心的坚定承诺的指导下，友邦保险香港和澳门设计了FlexiAchiever储蓄计划，以满足客户对灵活财富管理的需求，拥有多个市场领先的特点。该计划支持客户长期财富积累，同时也允许他们享受流动性，以追求他们的梦想，无论是休假或追求梦想爱好。此外，该计划还包含动态的期权，用于财富传承，实现财富积累、流动性和遗产规划的一站式解决方案。根据研究，新居民在香港和即将退休的人群特别会发现FlexiAchiever储蓄计划具有吸引力，因为他们对财富管理的灵活性有着强烈的偏好。
At the start of the new year, we hope to encourage the general public to take action for their financial wellbeing by launching the highly versatile and flexible FlexiAchiever Savings Plan, and help everyone live Healthier, Longer, Better Lives."
在新年开始之际，我们希望通过推出高度灵活的FlexiAchiever储蓄计划来鼓励公众采取行动，为他们的财务健康负责，并帮助每个人过上更健康、更长寿、更美好的生活。
FlexiAchiever Savings Plan's key features include:
FlexiAchiever储蓄计划的 主要特点包括：
Achieve stable wealth growth in the long term with potential bonus
实现长期稳定的财富增长，并有潜在的额外奖励
- First-in-market[1] Special Bonus: To support customers in long-term wealth accumulation, starting from the end of the 11th policy year, customers who have not exercised the Bonus Lock-in Option, Value Safeguard Option and Mental Incapacity Option[6], and have not made any payments nor withdrawn any policy value including partial surrenders will be eligible to receive an additional non-guaranteed Special Bonus.
- 市场首创[1] 特别奖金：为了支持客户长期财富积累，从第11个保单年度末开始，未行使奖金锁定选项、价值保障选项和精神无能力选项[6]，且未进行任何支付或提取任何保单价值（包括部分退保）的客户，将有资格获得额外的非保证特别奖金。
Liquidity on-demand: timing, amount and frequency
按需流动性：时机、金额和频率
- Rare-in-market[2] Value Safeguard Option: Starting from the end of the 6th policy year, customers can withdraw and transfer certain amounts of policy values to the Value Safeguard Account. This enables flexible withdrawals and the opportunity to earn interest at a non-guaranteed rate.
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Bonus Lock-in Option and First-in-market[7] Bonus Unlock Option
- Bonus Lock-in Option: Allows customers to unlock potential returns by earning interest at a non-guaranteed rate. This is achieved by transferring a certain percentage of the latest cash value of the non-guaranteed Reversionary Bonus and non-guaranteed Terminal Bonus to the Bonus Lock-in Account.
- Bonus Unlock Option: To meet customers' financial needs, a certain percentage of the latest value of the Bonus Lock-in Account can be reallocated as non-guaranteed Reversionary Bonus and Terminal Bonus, facilitating wealth accumulation and returns.
- 市场罕见[2] 价值保障选项：从第6个保单年度末开始，客户可以提取并转移一定金额的保单价值到价值保障账户。这使得灵活取款成为可能，并有机会以非保证利率赚取利息。
- 奖金锁定选项和市场首个[7]奖金解锁选项
- 奖金锁定选项：允许客户通过以非保证利率赚取利息来解锁潜在回报。这是通过将非保证的复利奖金和非保证的终期奖金最新现金价值的一定比例转移到奖金锁定账户中实现的。
- 奖金解锁选项：为满足客户的财务需求，奖金锁定账户最新价值的一定比例可以重新分配为非保证复利奖金和终期奖金，以促进财富积累和回报。
Dynamic options to pass on wealth to future generations
动态选项将财富传承给未来世代
- First-in-market[3] Beneficiary Flexi Option: When the beneficiary reaches the designated age chosen by the policyowner or when he/she is diagnosed with a specified illness[8], he/she can choose the desired Death Benefit Settlement Option.
- New Terminal Illness Benefit[9]: To alleviate the financial burden of medical expenses on the insured, in the unfortunate event that the insured is diagnosed with a terminal illness and is expected to pass away within 12 months due to the terminal illness, a one-off advance payment of the death benefit will be paid.
- 市场首创新受益人灵活期权：当受益人达到保单持有人所选择的指定年龄或被诊断为特定疾病时，他/她可以选择想要的身故保险金领取选项。
- 新终末期疾病保险利益：为了减轻被保险人医疗费用的经济负担，在被保险人不幸被诊断为终末期疾病并预计在12个月内因终末期疾病去世的情况下，将支付一次性身故保险金的预付款。
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 website.
上述所有信息仅供参考，并不构成任何报价和/或保险产品推荐。本材料中的产品信息不包含产品的完整条款，如需了解产品特征、条款和条件、排除条款及主要产品风险的详细信息，请参阅相关产品的小册子和保单合同或访问网站。
Remarks:
备注：
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[1] As of 9 December 2024, compared with savings insurance products provided by major insurance companies in Hong Kong. Special Bonus may be payable if the policy is terminated due to exercise of the Mental Incapacity Option, provided all other conditions for Special Bonus are met (i.e. Value Safeguard Option and Bonus Lock-in Option have not been exercised, and no policy value has been withdrawn from your policy). |
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[2] As of 9 December 2024, compared with savings insurance products provided by major insurance companies in Hong Kong. Starting from the end of the 6th policy year, customers may apply to withdraw certain amount of policy values (which may include the latest cash value of any non-guaranteed Reversionary Bonus, and part of the guaranteed cash value and the corresponding cash value of any non-guaranteed Terminal Bonus) and transfer the amount into a Value Safeguard Account to earn non-guaranteed interest. Withdrawal of policy values may trigger partial surrender, whereas part or all of the amount in a Value Safeguard Account can be withdrawn at any time without surrendering the policy. |
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[3] First-in-market refers to the Beneficiary Flexi Option's feature where the policyowner allows the beneficiary to choose to receive the death benefit payment in accordance with the beneficiary's selected settlement option when the beneficiary has reached the designated age chosen by the policyowner or when the beneficiary is diagnosed with a specified illness. This feature is first-in-market when compared with the savings insurance products provided by major insurance companies in Hong Kong, as of 9 December 2024. |
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[4] The premium refund: Up to 13% premium refund for the first-year premium, the promotion period is from today until 31 March 2025. The above offers are bound by terms and conditions. Please refer to for details. |
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[5] The research interviewed more than 1,300 people who have purchased wealth products. |
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[6] Except for the Special Bonus which may be payable if the policy is terminated due to the exercise of the Mental Incapacity Option, all of the above conditions must be met. |
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[7] Bonus Unlock Option was first introduced by AIA in the Global Power Multi-Currency Plan 2 on 5 October 2022. Starting from one year after exercising the Bonus Lock-in option, the policyholder can apply to exercise the Bonus Unlock Option once per policy year within 30 days after the end of each policy year. |
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[8] The Beneficiary Flexi Option will enable each beneficiary to choose the settlement option for his/her share of the unpaid balance of the death benefit and accidental death benefit (if any) according to his/her needs, upon the earlier of when the beneficiary attains the designated age chosen by the policyholder ("Designated Age") or when the beneficiary is diagnosed with a specified illness, including cancer, stroke, heart attack, terminal illness and kidney failure ("Specified Illness"). |
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[9] Upon payment of the Terminal Illness Benefit, all benefits under the FlexiAchiever Savings Plan policy will cease. The Terminal Illness Benefit will automatically end upon the policy anniversary on or immediately following the insured's 85th birthday. |
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[#] If part of the guaranteed cash value and the corresponding cash value of any Terminal Bonus have been transferred to the Value Safeguard Account, the principal amount of the policy will be reduced. The subsequent guaranteed cash value, face value and cash value of Terminal Bonus (if any), and the total premiums paid for the basic plan (as used in the calculation of the death benefit) will all be reduced based on the reduced principal amount. After such transfer, any Reversionary Bonus and any Terminal Bonus which the Company may declare subsequently and in the future will be reduced accordingly. Therefore, such transfer will in turn reduce the death benefit, the surrender benefit and the future value of the policy. If part or all of the cash value of any Reversionary Bonus has been transferred to the Value Safeguard Account, the face value of Reversionary Bonus will be reduced correspondingly, and any Reversionary Bonus which the Company may declare subsequently and in the future will be reduced accordingly, therefore reducing the future value of the policy. |
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[1] 截至2024年12月9日，与香港主要保险公司提供的储蓄保险产品相比。如果因行使精神无能选项而终止保单，可能会支付特别奖金，前提是满足支付特别奖金的所有其他条件（即未行使价值保障选项和奖金锁定选项，并且未从您的保单中退出任何保单价值）。 |
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[2] 截至2024年12月9日，与香港主要保险公司提供的储蓄保险产品相比。从第6个保单年度结束开始，客户可以申请提取一定数量的保单价值（可能包括任何非保证的递延奖金的最新现金价值，以及部分保证现金价值和任何非保证的终期奖金的相应现金价值），并将该金额转入价值保障账户以赚取非保证利息。提取保单价值可能会触发部分退保，而价值保障账户中的部分或全部金额可以在任何时间提取，而无需退保。 |
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[3] 市场首创是指受益人灵活选项的特征，保单持有人允许受益人在达到保单持人选择的指定年龄或在确诊为特定疾病时选择以受益人选择的结算选项接收身故赔偿金。这一特征是市场首创的，与截至2024年12月9日香港主要保险公司提供的储蓄保险产品相比。 |
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[4] 保险费退款：首年保险费最高可退款13%，推广期为从今天至2025年3月31日。上述优惠受条款和条件的约束。详情请参阅。 |
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[5] 研究采访了超过1300名购买财富产品的人。 |
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[6] 除非因行使精神无能期权而终止保单可能支付的特殊奖金外，以上所有条件必须满足。 |
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[7] 友邦保险于2022年10月5日在全球货币多币种计划2中首次推出奖金解锁期权。从行使奖金锁定期权的一年后开始，保单持有人可以在每个保单年度结束后的30天内申请每个保单年度行使一次奖金解锁期权。 |
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[8] 受益人 flexi 期权将使每个受益人能够根据其需求选择未支付的身故赔偿金和意外身故赔偿金（如有）的结算选项，这些结算选项适用于在受益人达到保单持有人选择的指定年龄（“指定年龄”）或受益人被诊断为特定疾病（包括癌症、中风、心脏病发作、绝症和肾功能衰竭（“特定疾病”））之前的较早时间。 |
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[9] 在支付末期疾病保险金后，FlexiAchiever储蓄计划的所有保险利益将终止。末期疾病保险金将在被保险人85岁生日的保单周年纪念日或其后自动终止。 |
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[#] 如果部分保证现金价值和任何末期红利的相应现金价值已转移至价值保障账户，则保单的本金金额将被减少。随后保证的现金价值、面值和末期红利的现金价值（如有），以及基本计划支付的总保费（用于死亡保险金的计算）将根据减少后的本金金额相应减少。在此转移后，任何公司可能随后和未来声明的逆转红利和末期红利将相应减少。因此，此转移将反过来减少死亡保险金、退保保险金和保单的未来价值。如果部分或全部逆转红利的现金价值已转移至价值保障账户，则逆转红利的面值将相应减少，任何公司可能随后和未来声明的逆转红利也将相应减少，因此减少保单的未来价值。 |
About AIA Hong Kong & Macau
关于友邦保险香港及澳门
AIA Group Limited established its operations in Hong Kong in 1931. To date, AIA Hong Kong and AIA Macau have close to 17,000 financial planners[1], as well as an extensive network of independent financial advisors, brokerage and bancassurance partners. We serve over 3.6 million customers[2], offering them a wide selection of professional services and products ranging from individual life, group life, accident, medical and health, pension, personal lines insurance to investment-linked assurance schemes with numerous investment options. We are also dedicated to providing superb product solutions to meet the financial needs of high-net-worth customers.
友邦保险集团有限公司于1931年在香港成立。至今，友邦保险香港和友邦保险澳门拥有近17,000名财务规划师[1]，以及广泛的独立财务顾问、券商和银行保险合作伙伴网络。我们为超过360万客户[2]提供服务，提供从个人寿险、团体寿险、意外险、医疗保险和健康险、养老金、个人责任保险到投资挂钩保险计划的一系列专业服务和产品，投资选项多样。我们致力于提供优质的产品解决方案，以满足高净值客户的财务需求。
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[1] as of 30 June 2024 |
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[2] Including AIA Hong Kong and AIA Macau's individual life, group insurance and pension customers (as of 30 June 2024) |
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[1] 截至2024年6月30日 |
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[2] 包括友邦保险香港和友邦保险澳门的个人寿险、团体保险和养老金客户（截至2024年6月30日） |
