AIA Hong Kong unveils life plan for HNWIs with 5.05% internal return rate

Policyholders also gain access to AIA Club Alta.

AIA Hong Kong has introduced Wealth Generation, a life insurance plan targeting high-net-worth (HNW) individuals, featuring a projected breakeven period as short as four years and a 10-year internal rate of return (IRR) of up to 5.05%.

The plan includes flexible withdrawals from the fifth policy year and offers legacy planning tools such as the Future Guard Option, which allows phased policy ownership transfers across generations. 

Other features include the Beneficiary Flexi Option, enabling beneficiaries to choose how they receive payouts, and the Health Impairment Option, which allows designated recipients to receive benefits or ownership if the policyholder becomes incapacitated.

Policyholders also gain access to AIA Club Alta, which provides exclusive services in wealth planning, health, and lifestyle.