Life Insurance Products

The greatest gift you can give to your loved ones is the gift of a secure and happy future. Life can be unpredictable, so don’t leave their future to chance. LifeDelight Insurance Plan offers life protection up to age 138 plus wealth accumulation, paving the way to a bright future for your loved ones and giving you greater peace of mind.

  • Protect yourself and your loved ones against the unforeseen
  • Wealth accumulation with guaranteed cash value and non-guaranteed terminal dividend
  • Withdrawals from terminal dividend lock-in account for accessible cash

Secure your family's financial well-being with Fortune Guard Life Insurance, which offers you life protection and helps you accumulate wealth with guaranteed cash value and non-guaranteed reversionary bonus1 and terminal bonus1. The basic plan will be issued with Fortune Guard Accident Protector Supplement, giving you further financial security when accidents occur.

  • Life protection up to age 100
  • Guaranteed cash value
  • Additional returns from reversionary bonus1 and terminal bonus1

Achieve a secure financial future for you and your loved ones with Fortune Protector Life Insurance, under which life protection will be offered to guard against the unexpected. The plan also provides guaranteed cash value, and non-guaranteed reversionary bonus1 and terminal bonus1 to help you save for future.

  • Life protection up to age 100
  • Guaranteed cash value
  • Additional returns from reversionary bonus1 and terminal bonus1

Our Smart Protector II Life Insurance Series enables you to benefit from features such as guaranteed cash value, annual dividends1, terminal dividend1 and life protection up to the age of 100. Why not adopt the smart approach to cover your protection needs?

  • Life protection up to age 100
  • Guaranteed cash value
  • Improve your returns by annual dividends1 and terminal dividend1

Equip your loved ones with financial security by choosing Smart Term. Flexible choices, guaranteed renewal and guaranteed convertibility enable you to meet your specific needs with comparative ease. What’s more, if you are a non-smoker, we can offer the same level of protection at an even more affordable price.

  • 4 options for you to choose from: 1-year renewable term, 5-year renewable term, 10-year renewable term and up to age 75
  • Privileged rates for non-smokers
  • Guaranteed convertibility to our specified insurance plan before age 70, without evidence of insurability

Grand Heritage II is a participating life insurance policy which provides you a lifelong protection up to age 138. The plan offers guaranteed cash value and potential returns from non-guaranteed terminal dividend¹. With the newly added feature - the terminal dividend lock-in option, it allows you to manage the terminal dividend¹ in a more flexible way.

  • Lifelong wealth accumulation with flexibility in cash-flow
  • Lifelong protection for legacy planning
  • Lifelong flexibility to match evolving needs

Specially designed to meet the needs of prestigious clients, Heritage Builder Universal Life Plan helps you create long-lasting heritage and secure essential protection to achieve peace of mind. Whether you want to preserve your wealth to build a secured future for your loved ones or plan for the succession of your business while maintaining great control over your wealth distribution, Heritage Builder Universal Life Plan is a one-of-a-kind choice for you.

  • For each premium paid in cleared funds within the first 3 policy years, once a crediting interest rate is declared at the time of receipt, such rate will be fixed and applied to that premium for the first 3 policy years
  • Crediting interest rate is guaranteed at not less than 2% per annum at all times
  • Guaranteed all policy charge rates for the same insured

Savings Products

Wealth Ultra Savings Plan offers sustainable wealth growth across multiple generations, along with flexibility to counter against market shifts and changes in your financial standing.

  • Boost your wealth with long-term total returns
  • 3 unique-in-the-market and innovative elements
  • All-round legacy solution

Wealth Genius Income Plan pays you guaranteed cash coupons up to age 138 of the initial insured, giving you extra financial flexibility throughout each stage of your life. The plan puts your finances in your control, offering 3 premium payment term options to match your financial requirements, as well as the option to change to a new insured so your wealth can support the next generation.

  • Guaranteed cash coupons will be paid up to age 138 of the initial insured
  • High liquidity is offered to meet your financial needs
  • Change of insured option

Wealth Advance Savings Series II boosts your wealth accumulation by providing potentially high returns on your long-term savings in the form of bonuses. Flexible access to your savings allows you to stay on top of your evolving financial needs or even pass down your wealth to future generations, while life protection helps provide additional security for your loved ones.

  • Boost your wealth accumulation
  • Pass on a legacy to future generations
  • Protect yourself and your loved ones against the unforeseen

Flexi Power Saver, a flexible and comprehensive savings plan enables you to respond to the changes in different stages of life comfortably. This basic plan offers you a range of options to craft your saving strategy and manage your wealth at your preference.

  • Significant cash payment plus potential returns
  • Enjoy the flexibility with Flexi Account and Growth Account (“Dual Accounts”)
  • Wealth accumulation for next generations

Living life with financial freedom is made possible by our Smart Jumbo Saver III Savings Series and Smart Saver III Savings Series, which help you reach your savings targets. You can enjoy cash coupons, guaranteed cash value, annual dividends1, terminal dividend1 and flexible premium payment term that allows you to pay up your premiums in as short as 5 years.

  • Guaranteed cash value
  • Strengthen your foundation by cash coupons
  • Maximise your returns by annual dividends1 and terminal dividend1

Qualifying Deferred Annuity Policy

As a Qualifying Deferred Annuity Policy certified by the Insurance Authority, IncomeEnrich Deferred Annuity Plan offers 10 or 20 years of steady monthly annuity payments as well as tax incentives.

  • Steady stream of income and potential wealth growth
  • Flexibility to craft your retirement solution and a hassle-free application
  • Enjoy tax deductible limit of up to HKD60,000² per year for the qualifying annuity premiums paid per taxpayer

¹ Reversionary bonus, annual dividends, terminal bonus and terminal dividend are not guaranteed and may be changed by AXA from time to time.

² As of April 1, 2019, 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 Inland Revenue Department 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 IncomeEnrich Deferred Annuity Plan 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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