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Triple protection plus 100% refund* of premiums.
Enjoy Triple Protection Plus 100% Refund* Of Your Premiums
You want your loved ones to be always provided for, whatever happens. While pure protection plans can provide you with substantial coverage, you do not get back any of the money you have paid.
With AIA MoneyBack Protector, on top of enjoying protection coverage, you get a 100% refund* of your premium payments, if you have not made any claims. There's no better way to get covered and save at the same time.
Triple Protection
AIA MoneyBack Protector makes your money work harder for you. On top of giving you 3 levels of protection, you have the flexibility to choose the amount of coverage# to suit your needs.
1. Life Protection
In the unfortunate event of death, your loved ones will receive the insured amount in one lump sum.
2. Accidental Death Protection
If death occurs within 90 days of an accident, AIA MoneyBack Protector will provide double the coverage. This means that on top of the Life Protection Benefit, your loved ones will receive an additional 100% of the insured amount.
3. Terminal Illness Protection
If you are diagnosed with a terminal illness, you will receive the insured amount in one cash lump sum+.
Pay Premiums For Just 10 Years
With AIA MoneyBack Protector, you can choose from 15, 20 or 25-year coverage periods to suit your needs. Whatever coverage period you choose, you only need to pay premiums for 10 years. After 10 years, you will continue to enjoy the benefits of the plan for the rest of the coverage period.
Guaranteed Level Premiums
AIA MoneyBack Protector is designed to give you maximum coverage at affordable premiums. What's more, with AIA Moneyback Protector, you can rest assured that your premium payments will remain the same over the entire 10-year premium payment period and will not increase with age.
And the younger you are when you purchase AIA MoneyBack Protector, the lower the premium you pay.
An Example Of How AIA MoneyBack Protector Works
Based on a 30-year old male, non-smoker for a 25-year coverage period.
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PROTECTION COVERAGE |
|
Death Benefit |
Terminal Illness Benefit + |
Accidental Death Benefit (payable in addition to the Death Benefit) |
|
$50,000 |
$50,000 |
$50,000 |
|
PREMIUMS |
|
Annual Premium Payable for 10 Years |
Total Premiums Paid Over 10 Years |
100% Refund* of Premiums at the End of the Coverage Period (if no claims are made) |
|
$617.50 |
$6,175 |
$6,175 |
Guaranteed Convertibility^
You can choose to convert^ your AIA MoneyBack Protector plan to a regular premium whole life or endowment plan without the need for a medical examination.
In addition to enjoying the regular long-term savings that whole life and endowment plans provide, conversion^ gives you the advantage of having a longer period of coverage, regardless of any changes in your health.
Extra Protection
With AIA MoneyBack Protector, you can enhance your insurance coverage with a wide range of optional benefits. These benefits include protection for critical illnesses, disability and hospitalisation.
Protect Your Future With AIA
Protect yourself and your loved ones with AIA MoneyBack Protector. For more details, contact your AIA Financial Services Consultant today. You can also call our AIA Customer Care Hotline on 1800 248 8000.
Whatever the future holds AIA has you covered.
Because with AIA its all about YOU!
How's your financial health?
Take the AIA Financial Health Check today!
Notes:
* All premiums paid (excluding any additional premiums payable for occupational, residential and medical assessments and non-annual premium payment modes) will be returned without interest at the end of the coverage period, provided that no claim was paid during the coverage period.
# Subject to underwriting acceptance by AIA.
+ Terminal Illness Benefit is an acceleration of the Death Benefit and is payable if the condition is highly likely to lead to the death of the insured within 12 months in the opinion of at least 2 registered medical practitioners.
^ Guaranteed conversion is applicable to standard lives. For sub-standard lives, conversion is subject to acceptance by AIA.
^^ Your AIA MoneyBack Protector plan will terminate upon conversion.
Buying a life insurance policy is a long-term commitment. An early termination of your AIA MoneyBack Protector plan involves high costs and the surrender value payable will be less than the total premiums paid.
The above write-up is not a contract of insurance. The precise terms and conditions of this plan are specificed in the policy contract. | 
