Essential Protection for the Future
Have you ever thought how your family would manage should you be hospitalised or suffer from a serious illness, unemployment or even in the event of death? What if such a misfortune were to happen tomorrow? Could you and your loved ones cope with the financial consequences?

The fact is we never know what tomorrow will bring. That's why we have designed AIA Living Essential - to give you the essential health, accident and life protection you need in these uncertain times.

AIA Living Essential offers protection against SARS, unemployment and terrorist attacks as well as many other events by bringing together 8 essential benefits.

You also have flexibility to choose the amount of coverage to suit your needs -from a minimum sum assured of $25,000 up to $250,000. For example, with a sum assured of $50,000, you can enjoy the following coverage:

Guaranteed Renewable
AIA Living Essentials comes with an 8-year term. It also offers you a guaranteed option to renew your plan, giving you the flexibility to meet your long-term protection needs too.

After 8 years, you can choose to renew your plan for another 8 years. In fact, you can continue to renew your plan until age 60, regardless of any changes in your state of health.

Guaranteed Convertible
What's more, AIA Living Essentials caters to your future changing needs as you can convert it to a new whole life or endowment plan at any time during the eighth year of your policy. You can select from a wide range of AIA plans available at the time of conversion, without the need for a medical examination.

Your Essential Benefits
based on an example of $50,000 sum assured

Death Benefit
Pays $50,000 in the event of death.

Lump Sum Total and Permanent Disability Benefit
Upon total and permanent disability before age 68 and provided the disability has continued for a period of 6 consecutive months and is total, continuous and permanent at the end of this period, a benefit amount of $50,000 will be paid.

Critical Illness Benefit
Pays $50,000 if you are diagnosed as suffering from any one of the 30 specified critical illnesses, including cancer, heart attack and stroke. The maximum amount payable under this benefit is $50,000 (i.e. 100% of the sum assured) per lifetime.

Enhanced Accidental Death and Dismemberment Benefit
Pays $50,000 upon accidental death (within 365 days from the accident date) or in the event of dismemberment resulting from an accident before age 68, a dismemberment benefit (based on a percentage of the sum assured).

Surgical Benefit
If you are hospitalised, your surgical expenses will be paid up to a maximum of $10,000 (i.e. 20% of the sum assured), depending on the type of surgery you have to undergo.

Daily Hospital Income Benefit
Provides a daily hospital income of $50 (i.e. 0.1% of the sum assured, up to a maximum of 365 days per confinement) if you are hospitalised. If you are admitted to ICU, the daily hospital income will be increased to $150 (i.e. 0.3% of the sum assured) per day.

Second Opinion
Upon diagnosis of any one of the 30 specified critical illnesses, this plan covers the cost3 of a second medical opinion from a reputable medical practice on your diagnosed medical condition.

Unemployment Benefit
If you become unemployed due to involuntary job loss after the 1-year waiting period, the premium payments for your AIA Living Essentials plan will be waived for up to 12 months, while you remain unemployed.

Act Now!
So, to enjoy essential health, accident and life protection for you and your family, contact your AIA Financial Services Consultant or call our Customer Care Hotline at 1800-248 8000 today.

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Notes:

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.