'Insurance Excellence Awards 2019' by iMoney

AXA is proud to be awarded the “Best Deferred Annuity Product".

IncomePartner Deferred Annuity Plan (“IncomePartner”) provides you the financial resources to pursue your dreams: with the assurance of steady and guaranteed income - plus a few protection perks - you can enjoy the rewarding golden years ahead.

How does IncomePartner work?


Enjoy a steady stream of income with upside potential returns

IncomePartner provides both monthly guaranteed and non-guaranteed annuity payments during your selected annuity period. Apart from the steady stream of monthly guaranteed annuity payments, you can also benefit from the upside potential returns. So whether you want some financial help to kickstart your early retirement or crave security with regular income for your golden years, the choice is yours!

Flexibility to craft your retirement solution

IncomePartner also gives you the flexibility to craft your retirement solution depending on your current and future needs. You can choose:
  • Premium payment term of 5 / 10 years; and
  • Annuity period of 10 / 20 years; and
  • Annuity start age can be as early as age 50; and
  • Option to defer the start of your income stream up to age 75; and
  • Annuity payment option allows you to have the monthly annuity payment paid out in cash to the annuitant or you can choose to leave with us to accumulate for interest. Any change of your annuity payment option will be free of charge.

Note: Please refer to the product brochure for more details of IncomePartner.

Embrace your protection with tax incentive

IncomePartner is a Qualifying Deferred Annuity Policy (“QDAP”) eligible for tax deduction which is certified by the Insurance Authority².


With tax savings, you may consider to add extra protection to protect yourself and your loved ones in your golden years.

Quadruple security with extra and optional protections

Life is full of both rewards and challenges, and sometimes accidents and injuries can strike at any time. That is why we want to offer an extra peace of mind for you and your family in the event of any unforeseen event.
  • Additional life protection to care for your family
  • Complimentary extended grace period benefit
  • Terminal illness benefit
  • Optional protection including Accident Protector First 3 Years Free Supplement

Note: Please refer to the product brochure for more details of IncomePartner.

IncomePartner Rewards Programme (the “Rewards Programme”)

Upon successful application for IncomePartner, you may enjoy promotional monthly guaranteed annuity payments throughout the entire annuity term.

Note: The availability of the Rewards Programme is limited. AXA reserves the right to alter and terminate the Rewards Programme at any time without prior notice.


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  1. Such certification is not a recommendation or endorsement of IncomePartner, nor does it guarantee the commercial merits of IncomePartner or its performance. Please note that the QDAP status of this product does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. This product’s QDAP status is based on the features of the product as well as certification by the Insurance Authority and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department (“IRD”) of HKSAR before you can claim these tax deductions. 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.
  2. This maximum tax deduction limit is the aggregate limit for Mandatory Provident Fund Tax Deductible Voluntary Contribution and deferred annuity premiums. It is also based on the information on allowance published by the IRD and is subject to change from time to time. Only qualified annuity premiums paid in relation to the annuity payments can be tax deductible. Please note any premiums paid for any supplements attached to IncomePartner will not be qualified for tax deduction.

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 policy contract for detailed terms and conditions. You should not purchase a policy based on the information on this website alone.

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