AXA Launches Limited Offer of a 2-Year Premium Payment Term for "WealthAhead II Savings Insurance" Series
Empowering Customers to Accelerate Wealth Growth with Greater Flexibility
Projected total cash value exceeds 320% of total premiums paid in the 20th year
Prepaid premiums to enjoy guaranteed preferential interest rate up to 12% p.a. in the first 90 days
HONG KONG, March 30, 2026 /PRNewswire/ -- AXA Hong Kong and Macau ("AXA") is pleased to introduce a limited offer of a 2-year premium payment option for the WealthAhead II Savings Insurance Series[1] ("WealthAhead II Series" or the "Series"). Building on the strong market reception to WealthAhead II Series, this limited offer allows customers to accelerate wealth growth with a shorter premium commitment. By the 20th policy year, the projected total cash value is expected to exceed 320%[2] of the total premiums paid. In addition, the guaranteed preferential interest rate on prepaid premium will further enhance overall returns, supporting more effective wealth accumulation.
Janet Lee, Chief Life and Health Insurance Officer of AXA Hong Kong and Macau, said, "Amid rising global geopolitical tensions and market volatility, our customers are seeking both flexibility and stability. In response, the WealthAhead II Series now offers a 2-year fixed premium payment option, exemplifying the strategy of 'short pay, long gain'. Building on the continuous popularity of the Series, this enhancement reflects our commitment to partnering with our customers to maximise their wealth, providing the liquidity needed to navigate the current challenges and the security to establish a lasting legacy for the future."
3 Key Highlights of the Plan:
- Wealth Accumulation - Short premium payment term of 2 years with attractive potential returns and great flexibility
The Series offers a choice of up to 9 policy currencies[3], with favourable return each and includes flexible currency conversion option[4], to align with customers' diverse individual needs and evolving plans. By the 20th policy year, the projected total cash value is expected to exceed 320% of the total premiums paid[2]. During the promotional period, customers who pay 2-year premiums in a single lump sum with USD as the policy currency, will receive a guaranteed preferential interest rate up to 12% p.a. on their prepaid premiums for the first 90 days, followed by up to 8% p.a. until the end of the first policy year[5]. - Wealth Allocation – Tailored Wealth Strategies in Action
WealthAhead II Series features the market-first[6] Wealth Master Service[7], allowing customers to pre-set periodic withdrawal instructions for up to 3 designated recipients. Payments are automatically disbursed at scheduled intervals, creating personalised income streams that facilitate accurate and strategic wealth distribution. Additionally, the Series offers policy splitting options to optimise wealth allocation as the family expands. - Wealth Succession – Empowering Generations to Build a Lasting Legacy Through Seamless Wealth Transfer
The Series offers a range of trust-like[8] features aimed at safeguarding customers' legacy and facilitating intergenerational wealth planning. Customers can ensure policy continuity and succession by designating a 'contingent owner', 'interim owner[9]', 'contingent insured', or by exercising 'the change of insured option'. Additionally, customers can appoint a designated executor and choose from various death benefit settlement options, enabling direct and efficient wealth transfer to family members.
The above information is for reference only. Please visit https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance for more details.
For full details on the promotional offer, product features, terms, conditions, and exclusions, please refer to the relevant product brochure, policy contract, and promotional leaflet[10].
[1] WealthAhead II Savings Insurance" Series includes "WealthAhead II Savings Insurance – Prime" and "WealthAhead II Savings Insurance – Supreme". [2] The projected values are for reference only and based on certain assumptions, including but not limited to USD/AUD/CAD is selected as the policy currency, 2-year premium payment term, annual premium payment mode is chosen, all premiums are paid in full when due, no levy on insurance premiums is included throughout the term of the policy, no benefits have been paid, and no withdrawals or other policy options have been exercised. Above projected value is not guaranteed and is projected based on the Company's current assumed bonus scale. The actual value may be higher or lower than the projected value. [3] The nine policy currencies include Renminbi (RMB), US Dollar (USD), British Pound (GBP), Euro (EUR), Canadian Dollar (CAD), Australian Dollar (AUD), Singapore Dollar (SGD), Hong Kong Dollar (HKD), and Macanese Pataca (MOP) (MOP is only applicable to policies issued in Macau only). [4] Starting from the 2nd policy anniversary, the currency conversion option may be exercised within 30 days after each policy anniversary. There is no limit on the number of times this option may be exercised; however, only one application may be made per policy year. For details, please refer to the relevant product brochure and policy contract. Currency conversion involves exchange rate fluctuations, which may impact the actual benefits of the policy. It is advisable to fully understand the associated risks prior to proceeding with the conversion. [5] For full details on the promotional offer, please refer to the relevant promotional leaflet. [6] The information refers to the service of periodic withdrawal with up to 3 recipients of withdrawal payments. The information refers to Hong Kong market only and is based on a comparison of periodic withdrawal arrangements offered by insurers for Long-Term Businesses as defined by the Insurance Authority in the Register of Authorised Insurers in Hong Kong as of July 2025. [7] Wealth Master Service is an administrative service arrangement offered by the Company and not a plan feature of "WealthAhead II Savings Insurance" Series. Any application for the service is subject to the Company's approval at its sole and absolute discretion, any applicable laws, regulations and guidelines and the administrative rules of the Company from time to time. [8] "Trust-like" indicates that the design concept of "WealthAhead II Savings Insurance" Series draws from the flexibility and precision of trust, but does not imply it is equivalent to a trust product. [9] Interim owner is only applicable to policies issued in Hong Kong. [10] https://axa.com.hk/en/wealth-ahead-ii-savings-insurance |
About AXA Hong Kong and Macau
AXA Hong Kong and Macau is a member of the AXA Group, a leading global insurer with presence in 52 markets and serving over 92 million customers worldwide. Our purpose is to act for human progress by protecting what matters.
As one of the most diversified insurers in Hong Kong, we offer integrated solutions across Life, Health and General Insurance. We are the largest General Insurance provider and a major Health and Employee Benefits provider. Our aim is to not only be the insurer to provide comprehensive protection to our customers, but also a holistic partner to the individuals, businesses and community we serve. At the core of our service commitment is continuous product & service innovation and customer experience enrichment, which is achieved through actively listening to our customers' needs and leveraging and investing in technology and digital transformation.
We embrace our responsibility to be a driving force against climate change and a force for good to create shared value for our community. We are proud to be the first to address the importance of mental health through different products and services and thought leading iconic research. Our overall Sustainability Strategy, with emphasis on climate strategy and biodiversity commitment, is developed based on TCFD recommendations. We are committed to integrating environmental, social and governance factors across our business and strive to contribute to a sustainable future through 3 distinct roles - as an investor, an insurer and an exemplary company.
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SOURCE AXA Hong Kong and Macau
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