AIA Alta unveils first-in-market longevity index

AIA Alta, AIA Hong Kong’s unique proposition exclusively for its high-net-worth (HNW) and ultra-high-net-worth (UHNW) customers, has launched AIA Alta High‑Net‑Worth Optimal Longevity Index. 

Developed in collaboration with Boston Consulting Group (BCG), this first-in-market framework doesn't just track wealth—it measures the "longevity readiness" of the region's elite across the two critical pillars of health and wealth.

The inaugural Index recorded an overall score of 62 out of 100, placing the segment in the “Developing” band. This indicates that (U)HNW families recognise long‑age challenges, but these have not yet been fully translated into repeatable, institutionalised mechanisms, particularly when managing health, wealth, and legacy decisions across multiple jurisdictions.

Key findings reveal that while approximately 80% of HNW individuals have established at least one wealth continuity mechanism (such as wills, trusts, or succession plans), only around 20% have health-decision continuity mechanisms such as medical directives or decision‑authorisation documents in place — highlighting that affluent families focus heavily on financial planning while neglecting critical health and medical decision arrangements.

Additionally, up to 79% of UHNW respondents identify integrated coordination across health, investment, insurance, and finances as their most critical need.

The new index provides a structured measurement system scoring longevity readiness on a scale of 0 to 100 that can be repeated year after year. It measures readiness across two equally weighted pillars, health and wealth, using three easy-to-grasp measures:

• Awareness (30%): how respondents understand key health- and wealth-related risks, implications, and emerging trends associated with longer lifespans
• Confidence (30%): how confident respondents feel about their ability to maintain long-term health and wealth wellbeing, independence and quality of life
• Preparedness (40%): how far respondents have put plans into action, including having the right documents, structures, resources and routines in place to respond when circumstances change

The Index groups scores into five “readiness bands” to make results easy to interpret: 0–49 (Vulnerable), 50–59 (Foundational), 60–69 (Developing), 70–79 (Optimising), and 80–100 (Mature). Vulnerable indicates major gaps, with limited plans that may not hold up when circumstances change.

Foundational reflects initial steps taken, but with limited depth or coordination. Developing indicates good awareness and confidence, but inconsistent execution. Optimising reflects more structured, actively reviewed plans, while Mature represents plans that are highly organised and repeatable, working consistently across time, events, and jurisdictions.

Alice Liang, chief proposition and healthcare officer of AIA Hong Kong & Macau, said: “To truly elevate longevity into ‘longevity readiness’, ‘health’ planning and ‘wealth’ planning must carry equal weight. We introduced the AIA Alta High‑Net‑Worth Optimal Longevity Index to provide a clear, fact‑based understanding of how ready these families are for longevity, and where the most significant execution gaps lie."

"Insights from the Index enable AIA Alta to translate research findings into practical, actionable solutions, supporting customers in building longer‑term, sustainable plans that remain effective across generations and jurisdictions, and ultimately achieving an optimal balance of wealth and health," Liang added. 

Liang added: “The Index makes one point very clear: longevity cannot be managed in silos. While families understand what matters and are confident in their ability to respond, the routines, documents, decision authorisation, governance structures and cross‑border pathways required to execute decisions are not yet fully institutionalised. Through AIA Alta, we are redefining longevity by orchestrating health and wealth into one integrated system, empowering families to protect today, grow tomorrow and sustain legacies across generations.”

As surging lifespans and cross-border complexities redefine the HNW landscape, the Index underscores a vital need for integrated longevity readiness. In response, AIA Alta is scaling its ecosystem: anchoring its physical presence with the new AIA Alta Prestige Wealth Centre, pioneering the industry-first Family Health MedTeam, and fostering long-term legacy through an exclusive three-year partnership with the Golf Association of Hong Kong, China.

MARKETING-INTERACTIVE has reached out to AIA for more information.

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