2024 has not yet begun, AIA will take the lead in releasing the [Yingyu 3] that will be launched on January 2, 2024
Like FTLife and Sun Life, you can start to receive 6% of the total premium from the fifth year at the earliest.
Capital Savings Insurance Plus Mental Incapacity Option, which pre-appoints a family member as a nominee. If the owner becomes permanently mentally incapacitated, the designated nominee can withdraw the policy value on behalf of the policyholder!
In the second year, you will have the option to convert your currency.
February 1, 2024 Yingyu 2 will be discontinuedIf you buy the RePrec 2 on or after October 1, 2023, you can apply to convert it into Regal 3 without going to Hong Kong!You don't have to go to Hong Kong!You don't have to go to Hong Kong!Say the important thing three times!
The specific update details are as follows:
Compared to the Magiac 2, the Val Power 3 has increased the expected total return of the policy, reaching a 100-year IRR of 7.12%，And the returns of each year are higher than those of Prudential, Manulife and AXA of the same type. 
The first mental incapacity option function means that the holder can continue to exercise the right to receive the policy value if the holder becomes permanently mentally incapacitated. 
Policy currency conversion can be initiated on the 2nd Policy Anniversary, 1 year earlier than EnPower 2. 
From December 1, AIA has changed the guaranteed prepayment interest rate from 55% to 51%, which is expected to continue in January 2024.