This is a simple assessment tool to help you with your insurance needs. The assessment is simply based on data you have submitted herein and is for reference only. It does not take into account of any other factor outside the parameter of this assessment tool. You should make your own insurance choices based on your risk tolerance level and financial circumstances with or without reference to the result of this assessment. When, in your selection of insurance products, you are in doubt as to whether a certain product is suitable for you (including whether it is consistent with your insurance objectives), you should seek financial and/or professional advice and choose the product(s) most suitable for you taking into account of your circumstances. Please remember that personal circumstances change over time, you should re-assess your needs from time to time. You should not make insurance choice based on this assessment tool alone. AIA, or its affiliates and staff, shall not be responsible for any losses, damages, claims, expenses suffered or incurred, or for any direct, indirect, special, incidental, exemplary, or consequential damages, including lost profit, arising from or related to the use of this assessment tool. Since this assessment tool does not take into account your full suitability and affordability, you should conduct the Financial Needs Analysis with your Financial Planner and based on that analysis result to select a suitable insurance product, if you plan to take out any long-term insurance product in the future.