FortuneXtra Savings Plan

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Preparing for an evolving future in a dynamic world requires a better way of savings and investing. Introducing a new way of thinking about wealth planning, FortuneXtra Savings Plan (“FortuneXtra”) is your key to harness the financial potential of global opportunities.

FortuneXtra has received:

“Excellent Brand of Savings Insurance” from Metro Finance’s “Hong Kong Leader’s Choice 2022”

Product Features

A choice of up to 9 policy currencies for maximum flexibility

With FortuneXtra, you can plan better by denominating your policy in a local or foreign currency from the choices of: Renminbi (RMB), United States Dollar (USD), British Pound (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Singapore Dollar (SGD), Hong Kong Dollar (HKD) and Macau Pataca (MOP; only for policies issued in Macau), each offering different policy returns.

A chance to replan currency set-up

From the 3ʳᵈ policy anniversary¹, the Currency Conversion Option² allows you to convert your policy to a policy of a different available currency in whole or in part while keeping the same policy commencement date to ensure your wealth accumulation remains on track after the conversion. There is no evidence of insurability such as medical underwriting required.

Competitive returns with superior liquidity

Starting from the 3ʳᵈ policy year, your policy will have a guaranteed cash value³ payable at maturity or when you surrender your policy. Further, after the policy has been in-force for 3 years, you may enjoy the growth potential of your savings with two types of non-guaranteed bonuses – the reversionary bonus and terminal bonus⁴.

From the 10ᵗʰ policy anniversary onwards⁵, you may apply to exercise the Policy Value Lock-in Option² to transfer a portion of your policy value into the Prime Currency Account to lock in your gains. You may then earn interest in your account⁶ and withdraw the value of the Prime Currency Account at any time².

Dual currency accounts to facilitate interest accumulation in the currencies of your choice

First in the market⁷

We offer the opportunity to save in up to two currencies of your choice under the Prime Currency Account and the Global Currency Account of a single policy^2,8 after exercising the Policy Value Lock-in Option². You can enjoy the privilege of switching anytime at the prevailing currency exchange rate⁹ between the Prime Currency Account and the Global Currency Account for an unlimited number of times². Competitive interest may be credited on the value of the Prime Currency Account and the value of the Global Currency Account based on the currency chosen⁶. Similar to the Prime Currency Account, you can withdraw the value of the Global Currency Account at any time².

Comprehensive legacy tools to fulfill wealth transfer across generations

FortuneXtra provides comprehensive set of legacy tools to aid wealth transfer across generations:

Change of Insured Option - after the end of the 1ˢᵗ policy year, you may change the insured of the policy an unlimited number of times²
Flexi Continuation Option - after the end of the 3ʳᵈ policy year, you may apply to designate one contingent insured and assign a portion of policy value to be accumulated further²
Death Benefit Settlement Option - you can have the options to have the death proceeds paid out in a lump sum or by regular instalments²

Check out the videos below to learn how our FortuneXtra will help you seize global opportunities and financial rewards anywhere.

See how the Currency Conversion Option can bring you more flexibility

Learn more about how the dual currency accounts let you save in up to 2 currencies

Check out how FortuneXtra’s features and benefits give you endless possibilities

Download

FortuneXtra Savings Plan Product Brochure

PDF 2.2 MB

Download

FortuneXtra Savings Plan Product Brochure Concept Kit

PDF 2.5 MB

Download

FortuneXtra Savings Plan Product Leaflet

PDF 1.6 MB

Participating Policy Fact Sheet

Fulfilment Ratios and Total Value Ratios of AXA’s Participating Plans

Related Product

Limited-time Offer

FortuneXtra Savings Plan (2-year pay)

Available for a limited time only, FortuneXtra Savings Plan (2-year pay) is offering a chance for you to capture the financial potential of global opportunities with exceptionally short payment term commitment.

Meet our Financial Consultant via virtual appointment and get a HKD100 HKTVmall eGift Voucher⁺!

Experience our seamless digital enrollment platform! Meet, buy, sign, pay and upload documents safely from the comfort of your home.

Valid until 30 June 2022
⁺Terms and conditions apply

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(852) 2802 2812

Business hour

Monday - Friday: 09:00 - 17:30
Saturday: 09:00 - 13:00
Except Public Holidays

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Remarks

Disclaimer

	FortuneXtra Savings Plan Premium Refund
	Designated Basic Plan
Designated Basic Plan	FortuneXtra Savings Plan (5-year pay)	FortuneXtra Savings Plan (10-year pay)
	Total AFYP of Designated Basic Plan and its Supplements (if applicable)
Total AFYP of Designated Basic Plan and its Supplements (if applicable)	Premium Refund Percentage on Each Eligible Policy of Reward 2B^# (% of the total AFYP of Eligible Policy of Reward 2B)
	USD5,000 – USD99,999 (or its equivalent)^
USD5,000 – USD99,999 (or its equivalent)^	10%⁸	15%⁸
	USD100,000 or above (or its equivalent)^
USD100,000 or above (or its equivalent)^	15%⁸	20%⁸

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