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A lifetime of protection with flexible limited premium payment period
Protection With Flexible Limited Premium Payment Period And Choice of Currencies
Ensuring that your family is provided for should anything happen to you is your concern. So is funding for your child's education. Building up funds for your retirement may also be your concern.
Whatever your needs, we have the plan for you. One that gives you substantial savings for the future and provides a lifetime of protection. On top of that, we offer flexible premium payment periods and a choice of two currencies to suit your needs.
You can choose to pay premiums in Singapore dollars for a limited 10-year or 15-year period or in US dollars for a limited 8-year or 15-year period.
Financial Security For Life
With AIA Guaranteed For Life, you get a guaranteed cash value1, which accumulates from the end of the third year.
On top of that, AIA Guaranteed For Life gives you the potential to earn yearly2 cash dividends3 for life. You can choose to spend the cash dividends3 in any way you wish or reinvest them with AIA to earn attractive interest4.
Peace Of Mind Should Anything Happen
Should death occur, the higher of the insured amount or the total annual premiums paid5 plus any accumulated cash dividends3 and terminal dividend6 will be paid.
And if total and permanent disability occurs before the policy anniversary following your 65th birthday, you will receive the total and permanent disability benefit in one lump sum plus any accumulated cash dividends3 and terminal dividend6. This gives you the flexibility to use the money in any way you like best.
Example of a male, non-smoker, aged 35 years old, who purchases the Singapore Dollars, AIA Guaranteed 10 For Life plan for himself for an insured amount of S$100,000.
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Plan Name |
Annual Premiums |
Guaranteed Cash Value* |
Non-guaranteed Cash Value* |
Total Cash Value* |
Total Yield* |
| S$ G10 |
S$5,319 |
S$55,100 |
S$71,210 |
S$126,310 |
3.4% |
* The values illustrated are for the end of the 30th policy year and assumes that dividends are accumulated.
Example of someone who purchases the US Dollars, AIA Guaranteed 15 For Life for his/her 5-year old son for an insured amount of US$100,000.
|
Plan Name |
Annual Premiums |
Guaranteed Cash Value* |
Non-guaranteed Cash Value* |
Total Cash Value* |
Total Yield* |
| US$ G15 |
US$1,165 |
US$22,200 |
US$26,956 |
US$49,156 |
4.5% |
* The values illustrated are for the end of the 30th policy year and assumes that dividends are accumulated.
Pay For A Lifetime Of Security in Just 8, 10 or 15 years
Unlike other plans, you just need to pay premiums for 8, 10 or 15 years7 for a lifetime of protection.
Premiums will also remain the same throughout the 8, 10 or 15 years7. So, there are no surprises.
Extra Protection – Pick What You Want
You can pick from a wide range of optional benefits to meet your needs. Choose from accident, critical illness, hospitalisation, term and other riders to enhance your AIA Guaranteed For Life.
Talk to AIA now for your life protection and savings needs!
Just call your AIA Financial Services Consultant for an AIA Financial Health Check today and find out how AIA Guaranteed For Life can help meet your life protection and savings needs. Alternatively, you can call our AIA Customer Care Hotline at 1800 248 8000.
How's your financial health?
Take the AIA Financial Health Check today!
Notes:
1 Cash value is the amount payable by the company upon surrender of the policy.
2 The first non-guaranteed cash dividend is payable after the entire second year premium has been paid.
3 Cash dividends are not guaranteed and are reviewed annually based on AIA's past experience and our view of the future investment environment.
4 This interest rate is not guaranteed and is reviewed as often as AIA deems necessary.
5 Based on annual premiums paid (without interest) before adjustment for size of insured amount or premium payment mode and excludes any additional premiums payable for occupational, residential and medical assessments. This applies to the basic plan only and excludes optional benefits.
6 Terminal dividend is a special non-guaranteed discretionary dividend, which may be payable upon surrender or death.
7 Premium rates for this policy are guaranteed as long as the required premium is paid before the end of the grace period. Premium rates remaining unchanged is not applicable to optional benefits purchased.
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
This is not a contract of insurance. The precise terms and conditions of this plan are specified in the policy contract.
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