1. “WealthAhead II Savings Insurance (2-year pay) Series” includes “WealthAhead II Savings Insurance – Prime (2-year pay)” and “WealthAhead II Savings Insurance – Supreme (2-year pay)”. 

2. During the promotional period, customers can enjoy an Enhanced Guaranteed Preferential Interest Rate on prepaid premiums, with 12% for the first 90 days, and 8% afterwards. These Guaranteed Preferential Interest Rate are applicable to the Prepaid Premiums for basic plan only and if customer also applies for a designated protection plan, which do not include levy and premiums for supplements (if applicable). The policy currency must be USD and a lump sum payment equal to twice the initial annual premium of the basic plan must be made upon policy application. Terms and conditions apply. For details of the promotion, please refer to the relevant promotion leaflet.    

3. The projected values are for reference only and based on certain assumptions, including but not limited to USD is selected as the policy currency, 2-year premium payment term and annual premium payment mode is chosen. These projected values are not guaranteed and are projected based on the Company’s current assumed bonus scale. The actual values may be higher or lower than these projected values.  

4. 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. 

5. Wealth Master Service is an administrative service arrangement offered by the Company and not a plan feature of WealthAhead II Savings Insurance (2-year pay) 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. 

6. 8 and 9 policy currencies are available for Hong Kong and Macau respectively, as MOP is only available for policies issued in Macau. 

7. From the 2nd policy anniversary onwards, you may apply to exercise the Currency Conversion Option within 30 days from each policy anniversary. There is no upper limit on the number of times this option can be exercised, provided that only one application can be made within one policy year. For details, please refer to the relevant product brochure and policy contract. 

8. The information refers to the offering of dual currency accounts under a policy. The information refers to Hong Kong market only and is based on a comparison among participating savings plans with reversionary bonus 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. 

9. From the 5th policy anniversary onwards, within 30 days from each policy anniversary, you may apply to exercise the Policy Value Lock-in Option once, and subject to the lock-in requirements. 

10. The designation of a contingent owner or interim owner, as well as any application for the taking up of ownership, is subject to the Company's sole discretion and must meet specific conditions. Designation of an interim owner is only applicable to policies issued in Hong Kong. For details, please refer to the relevant product brochure and policy contract. 

11. The Change of Insured Option and the designation of contingent insured can be exercised an unlimited number of times. Written application for the exercise should be made by you and such application is subject to the administrative rules, underwriting requirements and approval of the Company. For details, please refer to the relevant product brochure and policy contract. 

12. “age 138” refers to the policy anniversary on or immediately following the insured’s 138th birthday. 

13. According to the findings of Global Sentiment Survey published by Fidelity International in 2026. https://www.fidelity.com.hk/en/articles/press-releases/2026-02-09-fidelity-international-nearly-60-of-hong-kongers-feel-optimistic-about-the-future-but-long-term-financial-confidence-lags-1770603897663 

14. According to the findings of the ‘Hongkongers’ Sense of Security on Savings’ survey published by the Hong Kong Deposit Protection Board in 2025. https://inews.hket.com/article/4055394/%E5%84%B2%E9%8C%A2%E9%80%80%E4%BC%91%EF%BD%9C2025%E5%B9%B4%E… 

15. The above data was commissioned by AXA, and the international market data analysis agency YouGov conducted an online questionnaire survey in Hong Kong in June 2025, randomly interviewing 1,010 individuals aged 18 and above during the period. 

16. "Trust-like” indicates that the design concept of WealthAhead II Savings Insurance (2-year pay) Series draws from the flexibility and precision of trust, but does not imply it is equivalent to a trust product. 

17. Mental incapacitation refers to the condition of a (a) mental disorder or (b) mental handicap of the person concerned. For details of this term, please refer to the definition of "Mental Incapacitation Event" in the policy contract. Physical incapacitation refers to the loss of capacity for independent living of the person concerned as evidenced by the permanent inability to perform at least three of the activities of daily living. Please refer to the definition of "Loss of Capacity for Independent Living" and "Activities of Daily Living' in the policy contract for details. The above-mentioned conditions must be certified by a registered medical practitioner (as defined in the policy contract).