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AXA Hong Kong
WealthAhead II Savings Insurance - Supreme
High-Yield Long-Term Dividend-Paying Savings & Life Insurance · Flagship Wealth Succession Solution
A flagship, high-yield, long-term dividend-paying savings life insurance product, featuring high compound interest accumulation and flexible cash flow—an excellent choice for intergenerational wealth transfer.
- Long-term dividends
- Multi-currency allocation
- Intergenerational succession
- Flexible withdrawal
- High expected IRR
Latest Insurance Offers
Click to learn about the limited-time premium rebate and discount for this plan.
The above information is for reference only; actual premiums and offers depend on individual circumstances.
Key Figures
Core earnings data
Comprehensive coverage of long-term wealth planning needs, ranging from return potential to intergenerational wealth transfer.
Guaranteed payback period
18 years
Long-term expected IRR
6% – 6.5%
First-Year Order Discount
Get up to 31% back
Supported Currencies
9 International Currencies
Key Product Features
- Dual returns: Guaranteed cash value + non-guaranteed annual dividends.
- Allocation across 9 international currencies; free conversion starting from the third year.
- Unlimited changes of the insured; policy continues up to age 138.
- Contingent holder + custodian mechanism to isolate inheritance disputes.
- Supports 2, 5, and 10-year payment options.
- Partial policy surrender, scheduled withdrawals, policy loans
- Up to 3 beneficiaries, with customizable payout arrangements.
- Death Benefit: Basic Plan 100% of premiums paid / Premium Plan 130%
Highlights
Six Key Highlights of the Policy
Comprehensive coverage of long-term wealth planning needs, ranging from return potential to intergenerational wealth transfer.
Stable structure with dual-return potential
Powered by a dual-return engine comprising "guaranteed cash value" and "non-guaranteed annual dividends," the plan targets a long-term expected IRR of 6%–6.5%, achieving steady, long-term wealth appreciation through compounding.
Flexible premium payment terms
Supports 2-year (limited-time offer), 5-year, and 10-year payment terms to accommodate flexible cash flow management.
Free Currency Conversion
Enjoy unlimited, free currency conversions starting from the third year, allowing for flexible hedging against exchange rate risk.
Cash flow planning
Supports mainstream market withdrawal strategies (such as the 258 or 557 models), suitable for generating passive income or funding education and retirement.
Intergenerational wealth transfer
Unlimited changes of the insured are permitted, and the policy can extend up to age 138, enabling wealth succession across three generations.
Trust-grade allocation
You can designate up to three beneficiaries and customize the disbursement schedule, amount, and duration.
Version Comparison
Supreme vs. Zenith: Data Comparison
Choose the version that best suits your needs: "Supreme" prioritizes long-term returns, while "Grand" prioritizes steady capital recovery and high death benefit coverage.
| Comparison Item | Shengli II — Supreme (Featured) | Shengli II — Zenith |
|---|---|---|
| Long-term Return Potential | Higher; stronger compounding effect | Stable and balanced |
| Guaranteed Break-even Period | 18 years | 13 years (faster break-even) |
| Death Benefit Multiple | 130% of premiums paid | 150% of premiums paid |
| Purchase Channels | Available via all channels | AXA proprietary channels only |
Who It's For
Suitable and Unsuitable Groups
Please determine whether this product is suitable for you based on your financial planning and risk appetite.
Highly suitable for...
- Funds that can remain idle for the long term, a willingness to hold for over 20 years, and a pursuit of stable compound growth.
- Need for USD or multi-currency allocation to hedge against exchange rate risk.
- Planning for children's education funds, passive retirement income, and intergenerational family wealth transfer.
- A stable, long-term asset offering high expected returns and flexible cash flow.
Not recommended for insurance coverage
- Funds requiring short-term turnover or a holding period of less than 10 years.
- Only 100% guaranteed returns are acceptable; fluctuations in dividends are not.
- Requires highly liquid, on-demand funds.