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Spring Income Insurance Plan

Last checked

At a glance

Insurer
AIA International Limited
Product category
Participating savings
Premium payment terms
Premium payment terms (3)
Premium payment terms
Single premium
3 years
5 years
Issue ages & basis
Issue ages & basis (1)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 80 years
Age basis: Not confirmed
  • Guaranteed cash value and annual income, plus non-guaranteed dividends.
  • Benefit term 17 to 19 years; exact combination depends on plan selection.
Ask a licensed broker about this productCompare with similar plans

Decision sheet

6 of 13 known · 7 not published
What it pays and when

Recorded features: Guaranteed cash value and annual income, plus non-guaranteed dividends. / Benefit term 17 to 19 years; exact combination depends on plan selection.Public source · Checked:

Benefit limits
not published
Premium and payment term

Premium payment terms: Single premium / 3 years / 5 yearsPublic source · Checked:

How premiums can change
not published
Guaranteed / non-guaranteed

Guaranteed cash value and annual income, plus non-guaranteed dividends.Public source · Checked:

Waiting periods
not published
Main exclusions
not published
Surrender / cancellation

Early surrender may return considerably less than total premiums paid.Public source · Checked:

Cooling-off
not published
Riders
not published
Claims steps

Insurer claims guide · Savings surrender / withdrawal

Savings surrender / withdrawal — Steps: Read Part 1, complete Part 2 and sign as recorded; processing starts only after AIA receives and accepts the form.Public source · Checked:

Savings surrender / withdrawal — Required documents: Owner / trustee ID or passport copy; corporate owners need the applicable company documents.Public source · Checked:

Policy servicing from abroad
not published
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (9)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What benefit limits apply?
  2. When and how can premiums change?
  3. What waiting periods apply?
  4. What exclusions apply?
  5. Which riders are available, and what are their costs and terms?
  6. How can I service the policy from abroad, and what restrictions apply?
  7. Can you provide the key facts statement and policy provisions for this product?
  8. What is the cooling-off period, and how do I cancel during it?
  9. Which benefits and values are guaranteed, and which are not?
How the value of this kind of plan works

How the value of this kind of plan works

Read this before any illustration. It describes these plans in general; the policy contract decides.

Guaranteed part
The guaranteed cash value is in the contract. It is usually low in the early years and is the only part you can rely on.
Non-guaranteed part
Dividends and bonuses depend on the insurer’s results and can be cut. Fulfillment ratios show past payouts.
Stopping early
Surrendering in the first years usually returns less than you paid. Find the break-even year in your own illustration first.
Currency
Values are paid in the policy currency. If you spend in another currency, exchange rates can add to or erase the return.
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

Matching goals and segments (by product type)

Insurers (12)
Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Participating savings

Source 1
Premium payment terms

Single premium

3 years

5 years

Source 1
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
15 days to 80 years
Age basis: Not confirmed
Source 1
Recorded features

Guaranteed cash value and annual income, plus non-guaranteed dividends.

Benefit term 17 to 19 years; exact combination depends on plan selection.

Source 1
Names in other languages
English
Spring Income Insurance Plan
繁體中文
「活出精彩」入息保險計劃
简体中文
「活出精彩」入息保险计划

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

  1. Spring Income Insurance Plan — official product page

    Source date: Not confirmed
    Checked:

  2. 「活出精彩」入息保險計劃 — official product page

    Source date: Not confirmed
    Checked:

  3. 「活出精彩」入息保险计划 — official product page

    Source date: Not confirmed
    Checked:

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