¹ MOP is applicable only to policies that are issued in Macau after the plan is available in Macau.

² The Currency Exchange Option allows the customer to change their policy currency to another currency selected by the customer (including RMB, USD, AUD, CAD, HKD and MOP (only for policies issued in Macau)), by exchanging their plan to the latest plan under the Global Powe Series, while maintaining the policy duration and without requiring a medical examination. From the end of the 3rd policy year onwards, the customer can choose to exercise the Currency Exchange Option within 30 days after the end of each policy year. This option can only be exercised once per policy year. When the Currency Exchange Option is exercised, it is subject to the products available at the time, which may be different from the current product and may have different product features. The guaranteed and non-guaranteed policy values and any future premiums during and after exercising the Currency Exchange Option will be determined and adjusted based on factors including but not limited to the prevailing market-based currency exchange rate (determined by us at our discretion), the investment yield and asset values of the existing and new underlying portfolio of assets, and/or the transactions from the existing to new assets, and may be lower or higher than the corresponding values before the exchange. There could be a material difference between the current product and the products available when you exercise the Currency Exchange Option. Please evaluate the difference between the products carefully when you exercise this option and consider whether the relevant product suits your needs. Please refer to the product brochure for details and relevant risks.

³ Starting from the end of the 15th policy year, the customer may apply to exercise the Bonus Lock-in Option once per policy year. Once the Lock-in Amount is transferred into the Bonus Lock-in Account, the Reversionary Bonus and Terminal Bonus as at the relevant policy year and the Reversionary Bonus and Terminal Bonus to be declared for all subsequent policy years will be reduced accordingly.

⁴ There is a limit of 2 times of change of insured under the Change of Insured Option and/or the Contingent Insured Option.

⁵ The customer must be employed under a continuous contract for not less than 24 months and be eligible for a severance payment upon termination under the employment or labour laws of Hong Kong or Macau (according to the place of policy issuance) prior to the involuntary unemployment. Further, such employment cannot be self-employment, employment by a family member (including spouse, parent, grandparent, child or grandchild) or employment as a domestic servant. The Unemployment Benefit starts on the premium due date at the time when we approve the claim and continues for up to 365 days. Proof of continuous unemployment is required by the customer upon our request. The Unemployment Benefit is not available if the customer was informed of their pending involuntary unemployment on or before the issue date or commencement date of the policy, whichever is later. 

⁶ Upon withdrawal of all cash values in the policy, you will receive the sum of the guaranteed cash values, non-guaranteed cash values of the Reversionary Bonus and Terminal Bonus and any remaining balance of the Bonus Lock-in Account (if applicable) and your policy will be terminated.

⁷ The Educational Merit Benefit will terminate if the customer has claimed for the award amount in respect of any one insured. With respect to the same insured under all Global Power Multi-Currency Plan policies, the Educational Merit Benefit is only payable once per life. If the customer has changed the insured of the policy through the Change of Insured Option or Contingent Insured Option, Global Power Multi-Currency Plan will only pay the Educational Merit Benefit when the new insured achieves the required achievements at least 1 year after the change of insured and before age 25 of the new insured.

⁸ All add-on plans are subject to additional premiums, underwriting and exclusions. All benefits under add-on plans will be terminated when your Global Power Multi-Currency Plan policy terminates.

^{^} The 10% premium refund offer is only applicable to plans on a 5-year premium payment term during the promotion period from now until 30 June 2021. Terms and conditions apply, please refer to details on aia.com.hk. 

^* AIA commissioned market research company KANTAR to conduct face-to-face interviews with 1,000 respondents aged 18-64 in Hong Kong between February and April 2021.

¹ as at 31 March 2021
² AIA Hong Kong internal data includes Hong Kong and Macau's individual life, group insurance and pension customers (as at 31 March 2021)