Regular Savings
AIA understands how important it is to plan ahead for important occasions such as saving for your children's education, starting a business or enjoying well-earned golden years in retirement.
It is well known that the earlier financial planning is started, the better possibility there is of getting higher returns over time. AIA has various saving plans for achieving financial goals and securing the lifestyle that you desire. So start planning early and reap the rewards!
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Give the gift of a lasting legacy for generation after generation
Every parent aspires to provide a better and brighter future for his or her child. Wouldn’t it be great if you can do so and even give the gift of a lasting legacy for generation after generation?
AIA Gen3 is a limited premium payment participating whole life plan with guaranteed coupon benefits of 2.25% annually of the insured amount starting from the end of the 10th policy year. This plan can potentially benefit 3 generations - yourself, your child and your grandchild. You only need to pay premiums for 10 years and 3 generations of your family can enjoy returns on your wise financial planning.
Important Notes:
This is not a contract of insurance. The precise terms and conditions of the policy, including exclusions whereby the benefits under your plan will not be paid out, are specified in the policy contract. You are advised to read the policy contract.
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 insurance plan is underwritten by AIA Singapore Private Limited (AIA). All insurance applications are subject to AIA’s underwriting and acceptance.
The information here is correct as at 8 July 2011.
AIA Gen3 offers:
- A short premium payment term of 10 years for a lifetime of benefits
Your premium is guaranteed1 to remain unchanged throughout the 10 years regardless of your age or health condition - Guaranteed coupon payment of 2.25% of the insured amount annually from the end of the 10th policy year - and you may gain non-guaranteed cash dividends2
And you can choose to spend the coupon and non-guaranteed cash dividend in any way you want to or you can also retain the coupon with AIA at the prevailing rate3 - Cash values accumulation
You will start accumulating guaranteed cash surrender values in the third policy year upon payment and acceptance of 36 months’ premiums by AIA - Lump Sum Total and Permanent Disability Benefit4
3 Generations of Benefits5
1 Not applicable to optional benefits purchased.
2 Cash dividends are not guaranteed and may be adjusted based on AIA’s experience. However, once declared, Cash Dividends are guaranteed. Please refer to the policy contract.
3 The current rate is 3.25% but is not guaranteed and is reviewed as often as AIA deems necessary.
4 Lump Sum Total and Permanent Disability Benefit is only applicable until the Insured reaches 65 years old.
5 This assumes that the child becomes the policyowner at age 21.
Important Notes:
This is not a contract of insurance. The precise terms and conditions of the policy, including exclusions whereby the benefits under your plan will not be paid out, are specified in the policy contract. You are advised to read the policy contract.
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 insurance plan is underwritten by AIA Singapore Private Limited (AIA). All insurance applications are subject to AIA’s underwriting and acceptance.
The information here is correct as at 8 July 2011.
This example is based on the assumption that dividends are declared and coupons are paid out from the end of the 10th policy year onwards. The first seven years’ dividends are retained with AIA and accumulated at 3.25%3. The annual payout of S$3,050 is based on a calculation of 2.25% (Guaranteed Coupons) and 0.8% (Non-guaranteed Dividends). Total Death Benefit comprises of a non-guaranteed Terminal Dividend plus all non-guaranteed dividends. Projected Investment Rate of Return is at 5.25%. This assumes that the child becomes the policyowner at age 21.
3 The current coupon rate is 3.25% but is not guaranteed is reviewed as often as AIA deems necessary.
Important Notes:
This is not a contract of insurance. The precise terms and conditions of the policy, including exclusions whereby the benefits under your plan will not be paid out, are specified in the policy contract. You are advised to read the policy contract.
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 insurance plan is underwritten by AIA Singapore Private Limited (AIA). All insurance applications are subject to AIA’s underwriting and acceptance.
The information here is correct as at 8 July 2011.