Enjoy a 5% premium discount every policy year#
# For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
IncomeBliss Deferred Annuity Plan (“IncomeBliss”) is certified by the Insurance Authority as a Qualifying Deferred Annuity Policy (“QDAP”). Beyond giving you the advantages of tax deduction and a reliable stream of annuity payments in retirement, IncomeBliss empowers you with options to craft your own vision for your golden years.
Why choose IncomeBliss Deferred Annuity Plan ?
Having devoted years of hard work to hone your expertise or nurture your family, it’s time to plan the well-deserved retirement you have always envisioned. While securing a steady income stream is a smart move, having choice can make a difference.
A participating deferred annuity insurance plan, IncomeBliss not only offers a reliable stream of monthly annuity payments and tax deduction1, but also empowers you with choices to fully realise your vision of a blissful future.
IncomeBliss received:
“5-Star QDAP Growth Income Award” from 10Life 5-Star Insurance Award 2026
IncomeBliss’s Key Advantages
- A choice of premium payment term, annuity period and policy currency of HKD / USD for maximum flexibility
- Receive monthly annuity payments as early as age 502
- Enjoy steady of monthly annuity income and potential for extra wealth growth3
- Take advantage of tax savings to accumulate more for the future
- Stay protected during challenging times with accident premium waivers4 or extended grace periods5 for premium payments
- Peace of mind with life coverage and dementia advance benefit6
See how IncomeBliss can help you shape the retirement plan
Are you an office professional struggling to balance your busy working schedule? We’re here to remind you that it’s not just about working smart — it’s also about saving smart and planning smart.
Explore the unique savings advantages offered by IncomeBliss across the policy period and see how it can enrich your financial future.
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Remarks
- Any premiums paid for any supplements attached to IncomeBliss or any premium rebate / discount applied to IncomeBliss will not be qualified for tax deduction.
- Only applicable to policies with issue age of 18 - 40.
- We may review and adjust the monthly non-guaranteed annuity payment from time to time at our absolute discretion. Under some circumstances, the monthly non-guaranteed annuity payment can be zero. The actual amount of monthly non-guaranteed annuity payment may increase or decrease during the annuity period.
- Eligibility for the accident premium waiver benefit is subject to certain criteria and exceptions. The Company will waive all premiums under IncomeBliss attributable to the period of total disability if the annuitant suffers from total disability for a continuous period of not less than 6 months and the accidental bodily injury which causes such total disability occurs on or after the annuitant’s 18th birthday and before the policy anniversary on or immediately following the annuitant’s 65th birthday. This accident premium wavier benefit can be claimed once only among all policies of IncomeBliss on the annuitant. Once this accident premium waiver benefit is claimed under any one of the policies of IncomeBliss issued by the Company on the annuitant, this benefit under all of such IncomeBliss policies will automatically cease and no longer be available. Please refer to the policy contract for further details.
- Eligibility for the extended grace period benefit is subject to certain criteria and exceptions. The policy owner must provide the relevant evidence to the Company. The extended grace period benefit can be claimed once only under the policy. Please refer to the policy contract for further details.
- Eligibility for the dementia advance benefit is subject to certain criteria and exceptions. The benefit payable under this dementia advance benefit is equivalent to the amount of death benefit payable under IncomeBliss as if the annuitant died on the date of first diagnosis of Severe Dementias. Once this dementia advance benefit becomes payable, the policy will automatically terminate. Please refer to the policy contract for further details.
Disclaimer
- Information on this webpage is for reference only, and not intended to be a complete description of the applicable terms and conditions. Please refer to the product brochure and policy contract for detailed terms and conditions. You should not purchase a policy based on the information on this website alone.
- Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. You should always consult with a professional tax advisor if you have any doubts. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We do not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Please contact the IRD directly for any tax related enquiries.
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AXA China Region Insurance Company (Bermuda) Limited was renamed to AXA China Region Insurance Company (Hong Kong) Limited on 26 January 2026.
Reward 3D - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate
Reward 3D of the Promotion provides customers an offer of guaranteed preferential interest rate of 4% per annum△ on the prepaid amount for the 1st policy year.
To enjoy this offer, simply opt for lump sum payment arrangement and pay a lump sum payment with levy at the time of application of your Max Wealth Insurance Plan. The lump sum payment with levy to be applied as follows:
(i) pay for annual premium of the 1st policy year and the corresponding levy; and
(ii) deposit fund in advance into the future premium deposit account for premium payment of the 2nd policy year (“Prepaid Amount”) and the corresponding levy. The Prepaid Amount will accumulate interest in the 1st policy year at a guaranteed preferential interest rate of 4% per annum in the future premium deposit account. At the end of the 1st policy year, the interest accrued will be credited to the future premium deposit account, and the Prepaid Amount and its accrued interest will be equal to the annual premium of the 2nd policy year and will be automatically deducted from the future premium deposit account to settle the annual premium for the 2nd policy year and the corresponding levy when due.
Table 3D
Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate | |
Designated Basic Plan | |
Designated Basic Plan | Max Wealth Insurance Plan ^ |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | 4% per annum△,11 |
△The guaranteed preferential interest rate of 4% per annum is applicable to the Prepaid Amount only.
^ Only applicable to Max Wealth Insurance Plan with the Lump Sum Payment arrangement selected.
11. For details of Reward 3D, please refer to the section of Reward 3D of the Terms and Conditions stated in the promotion leaflet.
Max Goal II Insurance Plan Premium Discount
Table 3E
Max Goal II Insurance Plan Premium Discount | ||||||||
Designated Basic Plan | ||||||||
Designated Basic Plan | Designated Basic Plan | Max Goal II Insurance Plan | ||||||
Single Premium of Designated Basic Plan | ||||||||
Single Premium of Designated Basic Plan | Single Premium of Designated Basic Plan | Premium Discount Percentage on Each Eligible Basic Plan of Reward 3E# (% of Single Premium of Eligible Basic Plan of Reward 3E) | ||||||
Below USD500,000 | ||||||||
Below USD500,000 | Below RMB3,250,000 | Below HKD4,000,000 | 1%12 | |||||
USD500,000 - USD999,999 | ||||||||
USD500,000 - USD999,999 | RMB3,250,000– RMB6,499,999 | HKD4,000,000– HKD7,999,999 | 2%12 | |||||
USD1,000,000 or above | ||||||||
USD1,000,000 or above | RMB6,500,000 or above | HKD8,000,000 or above | 3%12 | |||||
12. For details of Reward 3E, please refer to the section of Reward 3E of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 3B – Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan – Premium Refund
During the Promotion Period, if a customer successfully submits application for a basic plan of Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan, the customer may be entitled to premium refund on future premium(s).
Table 3B
Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan Premium Refund | |||||
Designated Basic Plans | |||||
Designated Basic Plans | Designated Basic Plans | Wealth Advance Savings Series II – Ultimate | Wealth Ultra Savings Plan | ||
Premium Payment Term | |||||
Premium Payment Term | Premium Payment Term | 5 years | 10 years | 8 years | |
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | |||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | USD5,000 or above | |||
Premium Refund Percentage on Each Eligible Policy of Reward 3B# (% of the total AFYP of Eligible Policy of Reward 3B) | |||||
Premium Refund Percentage on Each Eligible Policy of Reward 3B# (% of the total AFYP of Eligible Policy of Reward 3B) | Premium Refund Percentage on Each Eligible Policy of Reward 3B# (% of the total AFYP of Eligible Policy of Reward 3B) | 5%9 | 10%9 | 7%9 | |
9. For details of Reward 3B, please refer to the section of reward 3B of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 2A – Designated Critical Illness Protection Products Premium Refund
Table 2A
Designated Critical Illness Protection Products Premium Refund | |||||
Designated Basic Plans | |||||
Designated Basic Plans | - TotalAssure Critical Illness Plan - TotalAssure Critical Illness Plan – Baby Pro - TotalAssure Plus Critical Illness Plan - TotalAssure Plus Critical Illness Plan – Baby Pro | ||||
Premium Payment Term | |||||
Premium Payment Term | 10 years | 15 years | 20 years | 25 years | |
Premium Refund on Each Eligible Basic Plan of Reward 2A# | |||||
Premium Refund on Each Eligible Basic Plan of Reward 2A# | 2 months7 | 3 months7 | 4 months7 | 5 months7 | |
7. For details of Reward 2A, please refer to the section of Reward 2A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
All our products
Life Protection
Reward 1A – GBA EverGuard Medical Insurance Premium Refund
Table 1A
Designated Basic Plan / Supplements | GBA EverGuard Medical Insurance |
Basic Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | |
Basic Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | 2 months3 |
Extra Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | |
Extra Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | If the customer also successfully submits an application for any of the following plans during the Promotion Period, both dates inclusive, and provided that all relevant policies are held by the same policy owner: • TotalAssure Critical Illness Plan • TotalAssure Critical Illness Plan – Baby Pro • TotalAssure Plus Critical Illness Plan • TotalAssure Plus Critical Illness Plan – Baby Pro +2 months3 |
Total | |
Total | 4 months3 |
AXA “Medical and Term Life Insurance Products Premium Coupon Reward” Promotion Programme@
During the Promotion Period, if you successfully apply for any new designated basic plans of medical and term life insurance products with the required AFYP and premium payment mode, you may be entitled to up to 5 premium coupons, each valued at HKD500, for a total maximum of HKD2,500 on each eligible basic plan.
3. For details of Reward 1A, please refer to the section of Reward 1A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
@For details of AXA “Medical and Term Life Insurance Products Premium Coupon Reward” Promotion Programme, please refer to the section of AXA “Medical and Term Life Insurance Products Premium Coupon Reward” Promotion Programme of the Terms and Conditions stated in the promotion leaflet.
IncomeBliss Deferred Annuity Plan – Product Marketing Video
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AXA China Region Insurance Company (Bermuda) Limited was renamed to AXA China Region Insurance Company (Hong Kong) Limited on 26 January 2026.
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