AXA Launches Limited Offer of a 2-Year Premium Payment Term for “WealthAhead II Savings Insurance” Series
Empowering Customers to Accelerate Wealth Growth with Greater Flexibility
Projected total cash value exceeds 320% of total premiums paid in the 20th year
Prepaid premiums to enjoy guaranteed preferential interest rate up to 12% p.a. in the first 90 days
AXA Hong Kong and Macau ("AXA") is pleased to introduce a limited offer of a 2-year premium payment option for the WealthAhead II Savings Insurance Series1 ("WealthAhead II Series" or the "Series"). Building on the strong market reception to WealthAhead II Series, this limited offer allows customers to accelerate wealth growth with a shorter premium commitment. By the 20th policy year, the projected total cash value is expected to exceed 320%2 of the total premiums paid. In addition, the guaranteed preferential interest rate on prepaid premium will further enhance overall returns, supporting more effective wealth accumulation.
3 Key Highlights of the Plan:
1. Wealth Accumulation - Short premium payment term of 2 years with attractive potential returns and great flexibility
The Series offers a choice of up to 9 policy currencies3, with favourable return each andincludes flexible currency conversion option4, to align with customers’ diverse individual needs and evolving plans. By the 20th policy year, the projected total cash value is expected to exceed 320% of the total premiums paid2. During the promotional period, customers who pay 2-year premiums in a single lump sum with USD as the policy currency, will receive a guaranteed preferential interest rate up to 12% p.a. on their prepaid premiums for the first 90 days, followed by up to 8% p.a. until the end of the first policy year5.
2. Wealth Allocation – Tailored Wealth Strategies in Action
WealthAhead II Series features the market-first6 Wealth Master Service7, allowing customers to pre-set periodic withdrawal instructions for up to 3 designated recipients. Payments are automatically disbursed at scheduled intervals, creating personalised income streams that facilitate accurate and strategic wealth distribution. Additionally, the Series offers policy splitting options to optimise wealth allocation as the family expands.
3. Wealth Succession – Empowering Generations to Build a Lasting Legacy Through Seamless Wealth Transfer
The Series offers a range of trust-like8 features aimed at safeguarding customers’ legacy and facilitating intergenerational wealth planning. Customers can ensure policy continuity and succession by designating a ‘contingent owner’, ‘interim owner’9, ‘contingent insured’, or by exercising ‘the change of insured option’. Additionally, customers can appoint a designated executor and choose from various death benefit settlement options, enabling direct and efficient wealth transfer to family members.
The above information is for reference only. Please visit https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance for more details.
For full details on the promotional offer, product features, terms, conditions, and exclusions, please refer to the relevant product brochure, policy contract, and promotional leaflet10.
Remarks:
1 WealthAhead II Savings Insurance” Series includes “WealthAhead II Savings Insurance – Prime” and “WealthAhead II Savings Insurance – Supreme”.
2 The projected values are for reference only and based on certain assumptions, including but not limited to USD/AUD/CAD is selected as the policy currency, 2-year premium payment term, annual premium payment mode is chosen, all premiums are paid in full when due, no levy on insurance premiums is included throughout the term of the policy, no benefits have been paid, and no withdrawals or other policy options have been exercised. Above projected value is not guaranteed and is projected based on the Company's current assumed bonus scale. The actual value may be higher or lower than the projected value.
3 The nine policy currencies include Renminbi (RMB), US Dollar (USD), British Pound (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Singapore Dollar (SGD), Hong Kong Dollar (HKD), and Macanese Pataca (MOP) (MOP is only applicable to policies issued in Macau only).
4 Starting from the 2nd policy anniversary, the currency conversion option may be exercised within 30 days after each policy anniversary. There is no limit on the number of times this option may be exercised; however, only one application may be made per policy year. For details, please refer to the relevant product brochure and policy contract. Currency conversion involves exchange rate fluctuations, which may impact the actual benefits of the policy. It is advisable to fully understand the associated risks prior to proceeding with the conversion.
5 For full details on the promotional offer, please refer to the relevant promotional leaflet.
6 The information refers to the service of periodic withdrawal with up to 3 recipients of withdrawal payments. The information refers to Hong Kong market only and is based on a comparison of periodic withdrawal arrangements offered by insurers for Long-Term Businesses as defined by the Insurance Authority in the Register of Authorised Insurers in Hong Kong as of July 2025.
7 Wealth Master Service is an administrative service arrangement offered by the Company and not a plan feature of “WealthAhead II Savings Insurance” Series. Any application for the service is subject to the Company’s approval at its sole and absolute discretion, any applicable laws, regulations and guidelines and the administrative rules of the Company from time to time.
8 “Trust-like” indicates that the design concept of “WealthAhead II Savings Insurance” Series draws from the flexibility and precision of trust, but does not imply it is equivalent to a trust product.
9 Interim owner is only applicable to policies issued in Hong Kong.
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