AIA Hong Kong & Macau has launched its Wealth Flexi Savings Insurance Plan (Wealth Flexi), a participating whole-life savings plan, alongside its first-in-market Future Wishes Arrangement, empowering high-net-worth (HNW) individuals and families to adopt more structured approaches to wealth, liquidity and legacy planning.
Recent findings from the inaugural AIA Alta High-Net-Worth Optimal Longevity Index highlight that around one in four HNW families have yet to put any succession and inheritance preparations in place; fewer than 40% of HNW families have divided up family responsibilities and decision-making arrangements, while only around one in four have defined triggers or preferences for care and interventions.
Against this backdrop, Wealth Flexi and the Future Wishes Arrangement are designed to enable families to steward their wealth with greater clarity, flexibility, and foresight over time.
Ms Alice Liang, Chief Proposition & Healthcare Officer, AIA Hong Kong & Macau, said, "For HNW families, wealth planning today is fundamentally about stewardship, ensuring wealth is managed reliably, transferred thoughtfully, and continues to support loved ones across generations. Our insights show that while many families recognise the importance of long-term planning, key arrangements around decision-making, succession, and contingency are often not yet clearly defined. Wealth Flexi and the Future Wishes Arrangement are designed with this in mind, enabling customers to put in place more structured and forward-looking arrangements, while maintaining the flexibility to adapt to changing circumstances over time, so they can pursue Healthier, Longer, Better Lives across generations."
AIA's Wealth Flexi Savings Insurance Plan introduces a suite of first-in-market and rare-in-market capabilities, structured around three core customer needs, with a sophisticated set of policy features and value-added services:
- Legacy planning with clarity and continuity;
- Cash liquidity to respond to changing life needs; and
- Dynamic asset allocation through currency flexibility.