Be ahead with WealthAhead
WealthAhead II Savings Insurance Series empowers you to grow your wealth with adaptability, allocate it with precision to match your vision, and pass it on with clarity and care — helping you stay one step ahead through every stage of life.
[5-year pay: Limited Time Offer]
Apply and enjoy total rewards# of up to 80% of the annualised first year premium*
‣ Up to 31% premium refund#
‣ Up to 4.5% p.a. guaranteed preferential interest rate on prepaid premiums#,*
#Terms and conditions of this promotion apply. For details, please refer to the promotion leaflet.
*Only applicable to 5-year pay policies with USD as policy currency.
How should one plan their life with limited income?
Thinking about planning for the future but haven’t started yet?
Over 90% of respondents believe it’s important to plan financially for unexpected life events, yet only 29% have taken action4. By arranging wealth transfer early, you can ensure your loved ones are protected and avoid disruptions caused by unforeseen circumstances.
Are you a sandwich generation? Plan ahead for three generation
49% of the “Sandwich Generation5” hope to secure their family’s future while also planning for their own4. With various challenges and rising living expenses, early financial planning and wealth accumulation allows flexible wealth allocation tailored to your family’s needs—supporting each loved ones in achieving their personal goals.
Raising a child costs an average of HKD 6 million6?
An average annual expense of HKD 280,000. Education costs continue to rise each year, with projected expenses reaching HKD 6.5 million by 20307. Start planning early to secure your child’s future.
Product Highlights
WealthAhead II Savings Insurance Series
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Remarks
1. “WealthAhead II Savings Insurance Series” includes “WealthAhead II Savings Insurance – Prime” and “WealthAhead II Savings Insurance – Supreme”.
2. Terms and conditions of this promotion apply. For details, please refer to the relevant promotion leaflet.
3. Only applicable to 5-year pay policies with USD as policy currency.
4. 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.
5. The “Sandwich Generation” refers to those supporting both children and parents or parents-in-law.
6. According to the market survey results on parenting and retirement planning published by Hong Kong financial institution in the third quarter of 2022.
7. According to the Hong Kong Government’s forecast, the overall consumer price inflation rate in 2025 is 1.8%.
8. 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.
9. Wealth Master Service is an administrative service arrangement offered by the Company and not a plan feature. 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.
10. 8 and 9 policy currencies are available for Hong Kong and Macau respectively, as MOP is only available for policies issued in Macau.
11. From the 3rd 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.
12. 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.
13. 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 to lock in the guaranteed cash value, the cash value of the reversionary bonus and the cash value of the terminal bonus.
14. 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.
15. 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.
16. “age 138” refers to the policy anniversary on or immediately following the insured’s 138th birthday.
17. AXA has been certified by 10Life as a “Stable Fulfillment Ratio Insurer 2025” (as of May 1, 2025). The ratings and information provided by the platform are for reference only and do not constitute any recommendation to purchase insurance products. AXA shall not be held responsible for any ratings, scores, information, or services provided by 10Life.
Disclaimer
Terms & Conditions apply. 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 relevant product brochure, policy contract and promotion leaflet for details. You should not purchase a policy based on the information on this website alone.
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.
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