1.

Assuming the insured is a 50-year-old male non-smoker residing in Hong Kong, his risk level being "standard". A sum assured of US$10,000,000 requires a single premium of US$2,593,000, that is, close to 4X leveraged life protection upon policy issuance.

2.

The Pre-underwriting Option is subject to the Company's prevailing rules and regulations. Customers can plan their future desired additional life coverage amount by applying for the Pre-underwriting Option during the policy application, provided that the insured is aged 60 or below. Under the Pre-underwriting Option, the medical underwriting will be performed with a specific total life coverage amount determined by the customer in advance, up to aggregate limit of US$20,000,000 for each insured. The eligibility of the Pre-underwriting Option and the pre-approved sum assured for subsequent policies are subject to the Company's underwriting result. Once approved, within 36 months, the customer can apply for the new policies of AIA Wealth Elite 2 – Sapphire for the same insured with a simplified medical underwriting, as long as the total sum assured does not exceed the total life coverage amount that has been approved in the previous medical underwriting process. The Pre-underwriting Option is non-guaranteed and only be available and valid for 36 months upon AIA's approval. This option will be terminated upon product closure of AIA Wealth Elite 2 – Sapphire and any reserve approved pre-underwriting limit cannot be transferred or carried forwarded to any existing or new AIA policies or products. The Pre-underwriting Option does not represent any additional life protection amount recommended by sales intermediary nor AIA, customers are reminded to select and purchase suitable life protection amount based on own financial needs. This option is subject to underwriting requirements determined by the Company from time to time. Once approved, it will simplify the medical underwriting process for subsequent AIA Wealth Elite 2 – Sapphire policy, the customer needs to consent pre-set health questions and other requirements of policy application will remain unchanged. The customer must consent to the health questions truthfully. If the customer fails to disclose or withhold pre-existing health conditions, the approval of the policies or future claims will be affected. If the pre-set health questions are not passed, the customer will need to perform full health underwriting and complete full health questions in normal application form. The Company has a right to decline any application via pre-underwriting option if the medical underwriting result is unsatisfied.

3.

Mental Incapacity Option: After the end of the 3rd policy year, the customer may designate a family member aged 18 or above in advance as a recipient. The designated family member can withdraw the policy value on the customer's behalf, up to the designated percentage of total cash value on the date of withdrawal approval when the customer is diagnosed as a permanent mentally incapacitated person. The designated family member must be the customer's spouse, parent, child, sibling, grandparent, grandchild, or any other relationship as approved by the Company. The designated percentages chosen by the customer cannot be less than 10% or more than 100% of the total cash value (minimum and maximum percentages are subject to the Company's prevailing rules and regulations). Mentally incapacitated person means a person who is incapable, by reason of mental incapacity, of managing and administering his/her property and affairs. The diagnosis of mental incapacity must be given by 2 registered medical practitioners who are psychiatrists or neurologists. The customer may apply to change the designated person and designated percentage of withdrawal as many times as he/she wishes before exercising this option for cash withdrawal, subject to the Company's approval. If the total cash value of the policy is fully withdrawn under this option, the policy will terminate.

4.

Death Benefit Settlement Option: During the lifetime of the insured, the customer can select specific benefit amounts to be paid to the beneficiary at regular intervals chosen by the customer, starting from the designated date^#, provided that the total annual payment is equal to at least 2% of the sum of the death benefit. The remaining amount of benefit will be left with the Company to accumulate interest at a non-guaranteed interest rate determined by the Company, until the full amount of benefit has been paid to the beneficiary. The death benefit settlement option is not available if the death benefit payable is less than US$50,000.  ^#If the Insured passes away after the designated date, the first instalment payment of death benefit will be paid immediately after the claim is approved.

5.

AIA Wealth Elite 2 – Sapphire is a participating whole-life insurance plan. The Company will distribute the profit generated from this product group by declaring a non-guaranteed Reversionary Bonus and a non-guaranteed Terminal Bonus to the customer at least once per year starting from the end of the 3rd policy year.

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As of 23 November 2022, compared against high net worth life protection insurance products provided by major Hong Kong insurance companies.

Promotion period is from now until 31 December 2022. Terms and conditions apply, please refer to the promotional leaflet for details:  https://www.aia.com.hk/content/dam/hk-wise/pdf/campaign-and-events/en/WealthElite2-promotion-leaflet-en.pdf