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
成功申請後可享受高達13%的保費退款
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/ -- 友邦保險香港及澳門宣佈推出整合長期財富積累、流動性和遺產規劃的FlexiAchiever儲蓄計劃。該計劃旨在通過靈活的財務管理，幫助客戶應對未來需求，使他們更輕鬆地實現財務目標。其主要特點之一是市場首個[1]特別紅利，允許客戶在獲得潛在紅利的同時實現穩定的財富增長。該計劃還提供市場罕見的[2]價值保障選項，使客戶能夠享受應對意外財務需求的流動性。市場首個[3]受益人靈活選項幫助客戶保護他們的至親，並將財富傳承給後代。
During the promotional period, customers can enjoy a premium refund[4] of up to 13% upon successful application of the FlexiAchiever Savings Plan.
在推廣期間，客戶可在成功申請FlexiAchiever儲蓄計劃後享受高達13%的保費退款。
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.
友邦保險香港及澳門首席方案與醫療官員Alice Liang女士表示：「全球經濟形勢千變萬化。我們最近的儲蓄偏好客戶聲音研究[5]顯示，在考慮財富產品時，客戶不僅僅關注長期收益；他們也越來越傾向於靈活性和流動性選擇，以幫助他們在應對未來時更加自信。」
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.
在我們對以客戶爲中心的堅定承諾的指導下，友邦保險香港和澳門設計了FlexiAchiever儲蓄計劃，以滿足客戶對靈活财富管理的需求，擁有多個市場領先的特點。該計劃支持客戶長期財富積累，同時也允許他們享受流動性，以追求他們的夢想，無論是休假或追求夢想愛好。此外，該計劃還包含動態的期權，用於財富傳承，實現財富積累、流動性和遺產規劃的一站式解決方案。根據研究，新居民在香港和即將退休的人群特別會發現FlexiAchiever儲蓄計劃具有吸引力，因爲他們對财富管理的靈活性有着強烈的偏好。
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."
在新年開始之際，我們希望通過推出高度靈活的FlexiAchiever儲蓄計劃來鼓勵公衆採取行動，爲他們的財務健康負責，並幫助每個人過上更健康、更長壽、更美好的生活。
FlexiAchiever Savings Plan's key features include:
FlexiAchiever儲蓄計劃的 主要特點包括：
Achieve stable wealth growth in the long term with potential bonus
實現長期穩定的財富增長，並有潛在的額外獎勵
- 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.
- 市場首創[1] 特別獎金：爲了支持客戶長期財富積累，從第11個保單年度末開始，未行使獎金鎖定選項、價值保障選項和精神無能力選項[6]，且未進行任何支付或提取任何保單價值（包括部分退保）的客戶，將有資格獲得額外的非保證特別獎金。
Liquidity on-demand: timing, amount and frequency
按需流動性：時機、金額和頻率
- 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.
- 市場罕見[2] 價值保障選項：從第6個保單年度末開始，客戶可以提取並轉移一定金額的保單價值到價值保障賬戶。這使得靈活取款成爲可能，並有機會以非保證利率賺取利息。
- 獎金鎖定選項和市場首個[7]獎金解鎖選項
- 獎金鎖定選項：允許客戶通過以非保證利率賺取利息來解鎖潛在回報。這是通過將非保證的複利獎金和非保證的終期獎金最新現金價值的一定比例轉移到獎金鎖定賬戶中實現的。
- 獎金解鎖選項：爲滿足客戶的財務需求，獎金鎖定賬戶最新價值的一定比例可以重新分配爲非保證複利獎金和終期獎金，以促進財富積累和回報。
Dynamic options to pass on wealth to future generations
動態選項將財富傳承給未來世代
- 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.
- 市場首創新受益人靈活期權：當受益人達到保單持有人所選擇的指定年齡或被診斷爲特定疾病時，他/她可以選擇想要的身故保險金領取選項。
- 新終末期疾病保險利益：爲了減輕被保險人醫療費用的經濟負擔，在被保險人不幸被診斷爲終末期疾病並預計在12個月內因終末期疾病去世的情況下，將支付一次性身故保險金的預付款。
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.
上述所有信息僅供參考，並不構成任何報價和/或保險產品推薦。本材料中的產品信息不包含產品的完整條款，如需了解產品特徵、條款和條件、排除條款及主要產品風險的詳細信息，請參閱相關產品的小冊子和保單合同或訪問網站。
Remarks:
備註：
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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，與香港主要保險公司提供的儲蓄保險產品相比。如果因行使精神無能選項而終止保單，可能會支付特別獎金，前提是滿足支付特別獎金的所有其他條件（即未行使價值保障選項和獎金鎖定選項，並且未從您的保單中退出任何保單價值）。 |
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[2] 截至2024年12月9日，與香港主要保險公司提供的儲蓄保險產品相比。從第6個保單年度結束開始，客戶可以申請提取一定數量的保單價值（可能包括任何非保證的遞延獎金的最新現金價值，以及部分保證現金價值和任何非保證的終期獎金的相應現金價值），並將該金額轉入價值保障賬戶以賺取非保證利息。提取保單價值可能會觸發部分退保，而價值保障賬戶中的部分或全部金額可以在任何時間提取，而無需退保。 |
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[3] 市場首創是指受益人靈活選項的特徵，保單持有人允許受益人在達到保單持人選擇的指定年齡或在確診爲特定疾病時選擇以受益人選擇的結算選項接收身故賠償金。這一特徵是市場首創的，與截至2024年12月9日香港主要保險公司提供的儲蓄保險產品相比。 |
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[4] 保險費退款：首年保險費最高可退款13%，推廣期爲從今天至2025年3月31日。上述優惠受條款和條件的約束。詳情請參閱。 |
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[5] 研究採訪了超過1300名購買財富產品的人。 |
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[6] 除非因行使精神無能期權而終止保單可能支付的特殊獎金外，以上所有條件必須滿足。 |
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[7] 友邦保險於2022年10月5日在全球貨幣多幣種計劃2中首次推出獎金解鎖期權。從行使獎金鎖定期權的一年後開始，保單持有人可以在每個保單年度結束後的30天內申請每個保單年度行使一次獎金解鎖期權。 |
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[8] 受益人 flexi 期權將使每個受益人能夠根據其需求選擇未支付的身故賠償金和意外身故賠償金（如有）的結算選項，這些結算選項適用於在受益人達到保單持有人選擇的指定年齡（「指定年齡」）或受益人被診斷爲特定疾病（包括癌症、中風、心臟病發作、絕症和腎功能衰竭（「特定疾病」））之前的較早時間。 |
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[9] 在支付末期疾病保險金後，FlexiAchiever儲蓄計劃的所有保險利益將終止。末期疾病保險金將在被保險人85歲生日的保單週年紀念日或其後自動終止。 |
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[#] 如果部分保證現金價值和任何末期紅利的相應現金價值已轉移至價值保障賬戶，則保單的本金金額將被減少。隨後保證的現金價值、面值和末期紅利的現金價值（如有），以及基本計劃支付的總保費（用於死亡保險金的計算）將根據減少後的本金金額相應減少。在此轉移後，任何公司可能隨後和未來聲明的逆轉紅利和末期紅利將相應減少。因此，此轉移將反過來減少死亡保險金、退保保險金和保單的未來價值。如果部分或全部逆轉紅利的現金價值已轉移至價值保障賬戶，則逆轉紅利的面值將相應減少，任何公司可能隨後和未來聲明的逆轉紅利也將相應減少，因此減少保單的未來價值。 |
About AIA Hong Kong & Macau
關於友邦保險香港及澳門
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.
友邦保險集團有限公司於1931年在香港成立。至今，友邦保險香港和友邦保險澳門擁有近17,000名財務規劃師[1]，以及廣泛的獨立財務顧問、券商和銀行保險合作伙伴網絡。我們爲超過360萬客戶[2]提供服務，提供從個人壽險、團體壽險、意外險、醫療保險和健康險、養老金、個人責任保險到投資掛鉤保險計劃的一系列專業服務和產品，投資選項多樣。我們致力於提供優質的產品解決方案，以滿足高淨值客戶的財務需求。
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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] 包括友邦保險香港和友邦保險澳門的個人壽險、團體保險和養老金客戶（截至2024年6月30日） |
譯文內容由第三人軟體翻譯。
