New Application - ILAS - AIA

Important Notice

1. Customer Due Diligence on Corporate Clients

LCD has issued the directive of customer due diligence on corporate clients on 01-Apr-2016. For details and its requirement, please refer to the FAQ > Customer Due Diligence on Corporate Clients.

2. Consultants must register PD Corner Access ID (individual login) before signing applications and POS forms; otherwise, AIA will not process the application. To apply access ID, please refer to OnePortal > User Guide of Portal - AIA.

3. To obtain policy number before your submission, you may visit IFA & Broker Corner > e-Service > Request Policy No.) Appendix for Residency Rating Summary (Updated: 2 Jun 2020) 

For any AIA Application Form and POS Request for Change Form, the policy number must be filled on the forms, otherwise, AIA will not process the applications or requests and will return all the forms to OnePlatform. (Updated: 15 Mar 2017)

4. Clean application form and illustration should be submitted to SOD within 10 calender days after sign date of client.

5. Guidelines related to Nationality  (Application by Japanese resident or Japanese passport holders. For details, please refer to Revised Underwriting guidelines for Japanese Residents and / or Japanese passport holders (New Business) ) (Updated: 26 Sep 2019) 

6. For Tresure Advantage, AIA does NOT accept any new business from Mainlanders in the PRC. PRC applicants can consider to apply Treasure Advantage (Enhanced Protection) or Treasure Master Select.  

7. Beneficiary’s ID number must be provided for fiancé or fiancée.

8. Maturity date counted from the client’s last birthday.

9. All samples provided in OnePortal are for REFERENCE only, consultant must fill in all forms with client’s latest information provided. The reference products recommended should be on OnePlatform’s shelf by the time you make the recommendation. No same provider’s products should be recommended unless there are no other suitable products from other providers. (Updated: 19 Nov 2019)

10. If there is no acknowledgement received after 68 calendar days from policy delivery date, physical copy will be reprinted to customers and HK200 will be received from Technical Representative (Effect from 5 February 2021) .

Checklist

(OnePlatform Internal Document and Principal Document are required to be submitted) 

OnePlatform Internal Document 

1.  Client Data Form

2.  Client Agreement  (CA form) 

3.  Financial Needs Analysis Form

• Sample of AIA 2-in-1 Protection Linked Plan (Single Premium) (Updated: 12 May 2023)
• Sample of AIA Treasure Master Plus 2 (Updated: 20 Jun 2023)

** Starting from 5 Feb 2021 (with reference to application sign date), both of OnePlatform FNA and Financial Summary (AIA FNA) must be submitted with the application form. 

Please print the relevant forms by the technical representatives in IFA & Broker Corner (Download path: IFA & Broker Corner > Resource Center > Forms Download) (Updated: 5 Feb 2021)

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Principal Document

Hong Kong Resident

1. Application Form​​​​​​​

Treasure Series Plan Application Form  ([T2]) 

[Treasure Advantage 2] Sample (Updated: 15 Apr 2021)

For details of underwriting pending requirements, please refer to New Business - Most Common Underwriting Pending Requirements. (Updated: 21 Aug 2017)

Life and Personal Accident Insurance Application Form ([L3]) - for AIA 2-in-1 Protection Linked Plan

2. Financial Summary (FNA) [F1] [Guideline] [Product Mapping Table] ​​​​​​​

Sample for Treasure Advantage 2 (Updated: 15 Apr 2021)

3. Important Facts Statement - Policy Replacement (Chi)(Eng) [I11] 

    If any answer is “Yes” or “Not yet decided” for policy replacement declaration on the Application Form

4. Important Facts Statement and Applicant's Declarations (Note: PART 1, Question (1) both client’s own handwriting and pre-print version will be accepted by AIA.) 

For Treasure Advantage 2  [Eng] （Sample ）(Updated: 15 Apr 2021)/ [Chi] ([I4])​​​​​​​

For U-SELECT [Eng]/[Chi] ([I12]) 

For AIA 2-in-1 Protection Linked Plan (Single Premium) [I14] (Updated: 12 May 2023)

5. PGS (Company Copy)

Proposal must be signed within 14 calendar days from the proposal print date

6. Copy(ies) of Identity document(s) of the Proposed Insured and also the Applicant, if different from the Insured

HKID / Macau ID, passport or Birth Certificate (for juveniles)

Certified by Consultant with signature and printed full name

7. Source of Wealth Checking (Updated: 13 May 2016)

8. Risk Profile Questionnaire [Sample] ([R10])

9. Payment Method

3 months initial premium is required

Premiums should be paid as soon as possible upon the application is approved in order to secure the protection of the client.  Normally, if the premium is not paid within 1 month after the application approval date, the case will be dropped and a penalty of HK$100 will be charged, unless AIA are otherwise informed.

Treasure Advantage 2 : 3 months premium with e-BankIn and Direct Debit Authorisation For Bank Account Application ([E1]) are required for monthly payment mode

10. Address proof is not required unless it is required by AIA, or OnePlatform has to conduct further verification with the client’s identity. (Updated: 24 Oct 2017)

11. Supplementary Form For AIA 2-in-1 Protection Linked Plan (Single Premium) [S14] (Updated: 12 May 2023)

12. Amendment Form for Politically Exposed Person * For All application with paper form submission [A2]

(Additional Document if applicable)

1. Obtain supporting of Applicant’s Income/Asset proof    

     a) copies of payroll slips showing payroll for the last 3 months; or

     b) bank statement copies for the last 3 months; or

     c) bank statement copies showing monthly balance of the past 3 months; or

     d) copies of latest audited company’s financial statement certified by qualified person, such as a public accountant. 

2.  Financial Questionnaire ([F2]) - Applicable to all types of products, for details of financial questionnaire requirement, please refer to Financial Underwriting Requirements [ENG]/[CHI] (Updated: 20 Apr 2023)/AML Guideline (Updated: 20 Jan 2017).

3. Source of Wealth Declaration ([S2])

For Non-Income Group (Housewife/ Student/ Retiree/ Unemployed) or Moderate and High Risk Group, details please refer Source of Wealth Checking (Updated: 6 Nov 2018)

For pre-paid premium which is 2 years or above, the total sum of premium will be calculated as Aggregated Single Premium. Please refer to AIA - Revised the Threshold for Source of Wealth Checking. (Updated: 8 Oct 2019)

This form can be waived if Financial Questionnaire is completed.

11.Effective from 12 November 2022 (based on application date), if it is known that the mobile phone number of the Applicant is the same as that of other policyholders, the Applicant can verify through [Memo]:

- iPoS “Policy Application Online Check” function with One-Time-Password (OTP) to verify; or

- Submit copy of valid identity proof by Hong Kong/Macau mobile service provider (e.g., Mobile phone bill statement); or

- Submit Amendment to Application For Policy – Shared Mobile Number Form [A25] to provide reason of share mobile phone number.  (Updated: 15 Nov 2022)

12. Effective from 8 April 2023 (based on application date), if the Applicant’s email address is identical to the email address of another policyowner, the Applicant can verify through [Memo]:

-  iPoS “Policy Application Online Check” function with One-Time-Password (OTP) to verify ;or

-  Use the iAmendment function with Remote Signature service to confirm Applicant’s email address; or

-  Submit Amendment to Application For Policy – Shared Email Address [A26] to provide reason of share email address.(Updated: 17 Apr 2023)

Non HK Permanent Resident (Additional Documents)

1. AIA HK shall require the following identity documents of the applicant who holds a HKID card but has not obtained the Hong Kong Permanent Resident status (unless the identify proof has previously been provided to AIA).

HKID card copy and,

A valid travel document (e.g. an unexpired international passport, Exit-entry Permit for travelling to and from Hong Kong and Macau for Official Purposes, etc). or

A relevant national identity card bearing the individual's photograph; or

Any government or state-issued document which certifies nationality.

They have no right of abode in Hong Kong and the front side of their HKID do not have symbols "***A" or "*A" under their "Date of Birth" section.

2. Amendment Form for Politically Exposed Person * For All application with paper form submission [A2]

For Overseas Client (Additional Documents)

1.  Declaration from Non-Hong Kong Cardholders ([D11]) (Effective on and after sign date 1 June 2017)

2.  Entry Proof (copy of the cover of passport, the page with photo and passport holder's details and Immigration's Entry Slip).   The client and the consultant are required to sign all the copies with sign date written on them.

3. Amendment Form for Politically Exposed Person * For All application with paper form submission [A2]

PRC Resident

For PRC case, please refer to the checklist under AIA PRC Business Guideline

Amendment Form for Politically Exposed Person * For All application with paper form submission [A2]​​​​​​​

Medical Requirement

1. Medical Underwriting Guide (Chinese version)  (English version)

   (Updated: 1 Nov 2019)

2. Please read the Non-Medical Limit  (Updated: 18 Oct 2017)

Financial Requirement

Please read Financial Underwriting Requirements [ENG]/[CHI] (Updated: 20 Apr 2023)(Broker Category is  “Ruby” for OnePlatform) (Updated: 17 Jan 2024)

FAQ / Supplementary guideline   

New Business Submission Checklist - ILAS Products (Updated: 6 Apr 2018)

CIES Checklist

Frenquently Asked Question on Anti-Money Laundering and Counter-Terrorist Financing (FAQ)

For details, please refer to the Memo (Ref.: A2014075) Point to Note about "Purpose of Buying" and RefA2014075 Annex A Eng

The application documents should be followed a proper signing sequence. Please refer to the memo of “Updated Requirements Relating to the Sales of ILAS to Enhance Customer Protection” 

**Please refer the exchange rate at following link,

https://www.aia.com.hk/zh-hk/help-and-support/individuals/exchange-rates.html

New Operation Requirements For Anti-Money Laundering and Counter-Terrorist Financing (Financial Institutions) Ordinance (Hong Kong Only)  - [Examples] (Updated: 27 May 2015)

          -  Basic Documentation Requirements

Important Fact Statement for Mainland Policyholder  ([I3])

         - Required by OCI with effect from 1 September 2016. For PRC business must sign and submit the Important Fact Statement ,please refer to notice of PRC  

 IA Levy Frequently Asked Questions (Updated: 21 Dec 2017)

 Ref: A2017340 Guidance Note 16 ("GN16") – Financial Needs Analysis (“FNA”) Affordability Checking, Appendix I  (Updated: 28 Dec 2017)

 For iVerify, please refer to Guide for iVerify - Optical Character Recognition (Updated: 16 Jul 2018) and the Subject: (Ref: A2018059) Reminder on iVerify (Updated: 9 Mar 2018)​​​​​​​

Special Case

1. If the insured person is different with the policyowner (e.g. mother as policyholder and the son as the insured), please state the reason on Remarks of Application Form (e.g., premium is paid by mother and therefore requests to be policyowner) (Updated: 8 Oct 2015)

2. For request original document return, please submit Request for Return of Original Document 

3. For policy amendment before issuing policy, please use Amendment to Application for Policy ([A3])  No consultant’s signature is required for PRC case if the client actually signed this amendment in China.  Otherwise, AIA will require the client to provide the entry proof for this amendment if consultant signed on it.  (Updated: 26 Sept 2014)

Post Sales Call

1. Workflow

     - HKFI Requirements: https://oneportal.oneplatform.com.hk/OnePortal2_0/PDFView?Type=DoclibraryLive&DocumentId=13534

2. Script  (Updated: 18 Jul 2018)

3. Letter Templates:

    Uncertain Replies - Notification Letter Template

    Unreachable Customer - Notification Letter Template

   AIA Customer Hotline: 22328888