AIA 2-in-1 Protection Linked Plan (Regular Premium), AIA 2-in-1 Protection Linked Plan (Single Premium), Treasure Master Plus 2 and other plans* (collectively, the "Plans") are investment-linked assurance schemes (individually, the "ILAS policy"), which are insurance policies issued by AIA International Limited (incorporated in Bermuda with limited liability) ("AIA International Limited").
The Plans are not bank savings products. Your investments are subject to the credit risks of AIA International Limited and other investment risks. Although your ILAS policy is a life insurance policy, because your death benefit is linked to the performance of the underlying funds you selected from time to time, your death benefit is subject to investment risks and market fluctuations. The death benefit payable may be significantly less than your premiums paid and may not be sufficient for your individual needs.
What you are investing in is an ILAS policy. The premiums paid by you towards the ILAS policy, and any investments made by AIA International Limited in the underlying funds you selected, will become and remain part of the assets of AIA International Limited. You do not have any rights or ownership over any of those assets. Your recourse is against AIA International Limited only.
The premiums received from you, after deduction of any applicable fees and charges of your ILAS policy, will be invested by AIA International Limited into the underlying funds corresponding to the investment options as selected by you for our asset liability management. However, the unit(s) allocated to the account(s) is notional and is solely for the purpose of determining the value and benefits under your ILAS policy.
Your potential return on investments is calculated by AIA International Limited with reference to the performance of the underlying funds corresponding to the Investment Options you selected. Besides, your potential return shall be subject to ongoing fees and charges which will continue to be deducted from the ILAS policy, hence, it may be lower than the return of the corresponding underlying funds. Each of the underlying funds has its own investment profile and associated risks. Underlying funds available for selection are listed in the respective investment options brochures of the Plans.
The investment options available under the ILAS policy can have very different features and risk profiles. Some may be of high risk. For example, Investment Options linked to funds with investment in high yield bonds may lead to high risk of significant loss; Investment Options linked to funds that pay dividend out of capital may result in an immediate reduction of the underlying funds' net asset value per unit. Please refer to the offering documents of the relevant underlying funds for details.
(Applicable to AIA 2-in-1 Protection Linked Plan (Regular Premium) / AIA 2-in-1 Protection Linked Plan (Single Premium) / Treasure Master Plus / Treasure Master Plus 2 / U-Select only) The investment options designated with "(Dis)" in their names (the "Investment Options (Cash Distribution)") are investment options that may distribute cash dividend on a regular basis. Investment Options (Cash Distribution) are made available to AIA 2-in-1 Protection Linked Plan (Regular Premium) / AIA 2-in-1 Protection Linked Plan (Single Premium) / Treasure Master Plus / Treasure Master Plus 2 / U-Select only. If you choose to invest in the Investment Options (Cash Distribution), you will receive cash dividend if AIA International Limited receives such dividend from the underlying funds of the Investment Options (Cash Distribution). Please note:
1. There is no guarantee that the underlying funds of Investment Options (Cash Distribution) will distribute cash dividend, distribute fixed amount of cash dividend or distribute cash dividend at a periodic frequency. The amount of cash dividend paid is in no way an indication, a forecast or a projection of cash dividends to be paid in the future.
2. Underlying funds of Investment Options (Cash Distribution) may, according to their dividend policy, pay cash dividend out of investment income, capital gains or capital of the underlying funds. Payment of cash dividend out of capital indicates an actual withdrawal of part of the original investment, or payment of cash dividend out of gross investment income while paying or charging all of the underlying funds' expenses and fees out of or to the capital will lead to an increase in distributable income for payment of cash dividend and hence, the underlying funds may effectively pay cash dividend out of capital. Such payments of cash dividend will result in an immediate decrease in the net asset value per unit of the underlying funds after the date of dividend payment, and result in a drop in the unit price of the Investment Options (Cash Distribution). (For AIA 2-in-1 Protection Linked Plan (Regular Premium), AIA 2-in-1 Protection Linked Plan (Single Premium), Treasure Master Plus 2 and U-Select, this may potentially increase the cost of insurance chargeable in the ILAS policy, which in turn impact the sustainability of the ILAS policy and if the account value is reduced to zero, the basic policy will be terminated.)
3. In comparison to investment options that reinvest dividend, Investment Options (Cash Distribution) pay out cash dividend and hence, may reduce the account value of the ILAS policy. This may in turn reduce the death benefit payable. If the account value is reduced to zero, the basic policy will be terminated.
4. You should not select the Investment Options (Cash Distribution) unless you understand them and your financial planner has explained to you how they are suitable to you.
More importantly, investors of AIA 2-in-1 Protection Linked Plan (Regular Premium), AIA 2-in-1 Protection Linked Plan (Single Premium), Treasure Advantage 2, U-Select, AIA Asset Accumulator (Enhanced Death Benefit), Asset Whole Life Plan, Asset Whole Life Plus, Better Tomorrow Investment Savings Plan, Cheerful Life, Leisure Years Retirement Savings Plan, SP-Investment Accumulator, Treasure Accumulator, Treasure Advantage, Treasure Advantage (Enhanced Protection), Treasure Master Plus 2, Wealth FlexiProtector and Wiz Kid Education Savings Plan should be aware of the following sub-points (i)-(v) regarding your death benefit and the cost of insurance/ insurance charges:
1. Part of the fees and charges you pay that will be deducted from the value of your ILAS policy will be used to cover the cost of insurance/ insurance charges for the life coverage and any additional coverage (if applicable) you may choose.
2. The cost of insurance/ insurance charges will reduce the amount that may be applied towards investment in the underlying funds selected. For AIA 2-in-1 Protection Linked Plan (Regular Premium) and AIA 2-in-1 Protection Linked Plan (Single Premium) (, the cost of insurance will be waived after the policy anniversary on or immediately following the insured's sixty-fifth birthday. For Treasure Master Plus 2, the cost of insurance will be waived after the policy anniversary on or immediately following the insured's eightieth birthday.
3. The cost of insurance/ insurance charges may increase significantly during the term of your ILAS policy due to factors such as age and investment losses etc. This may result in significant or even total loss of your premiums paid.
4. If the value of your ILAS policy becomes insufficient to cover all the ongoing fees and charges, including the cost of insurance/ insurance charges, your ILAS policy may be terminated early and you could lose all your premiums paid and benefits. (Policyholders of U-Select and Cheerful Life may enjoy conditional 10-year no lapse privilege and policyholders of Asset Whole Life Plus and Wealth FlexiProtector may enjoy guaranteed cover privilege. Please refer to the relevant product brochures for details of conditional 10-year no lapse privilege/ guaranteed cover privilege.)
5. You should consult your intermediary for details on the cost of insurance/ insurance charges, such as how the cost of insurance/ insurance charges may increase and could impact the value of your ILAS policy.
Early termination, surrender or withdrawal of the account value of the ILAS policy / suspension of or reduction in premium (if applicable) may result in significant loss of your investment and premiums paid as well as refund and bonuses awarded (if applicable). Poor performance of the underlying funds may further magnify your investment losses while all charges are still deductible.
You should not purchase AIA 2-in-1 Protection Linked Plan (Regular Premium), AIA 2-in-1 Protection Linked Plan (Single Premium) and Treasure Master Plus 2 unless you understand them and your intermediary has explained to you how they are suitable for you. The final decision is yours.
Investments involve risks. You should not rely solely on the information provided on this website in making any investment decision. You should read the offering documents of the Plans and the underlying funds which can be obtained from your intermediary. Alternatively, you can visit AIA International Limited's customer service centre, Wealth Select Centre or agency office to obtain a copy which will be provided to you within 14 days upon your request.

* Other plans include AIA Asset Accumulator, AIA Asset Accumulator (Enhanced Death Benefit), AIG Capital Builder by AIA, AIG Capital Saver by AIA, Asset Whole Life Plan, Asset Whole Life Plus, Better Tomorrow Investment Savings Plan, Cheerful Life, Leisure Years Retirement Savings Plan, SP - Investment Accumulator, SP - Investment Accumulator Plus, Treasure Accumulator, Treasure Advantage, Treasure Advantage (Enhanced Protection), Treasure Advantage 2, Treasure Master, Treasure Master Plus, Treasure Master Select, Treasure Pearl, Treasure Pearl 2, U-Select , Wealth FlexiProtector and Wiz Kid Education Savings Plan. These plans have been closed for new applications and are no longer marketed to the public.

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