MAX your investment with your choice of protection
AIA Investment MAX Series lets you meet your financial needs through the different stages of your life.
Maximise Your Potential Returns
Whether you are saving for your children’s education, building your retirement nest egg or setting money aside for a special event in your life, AIA Investment MAX Series can help you meet your financial needs through the different stages of your life.
You can choose from a wide range of AIA Managed Portfolios and AIA Investment Funds to suit your investment objectives and risk profile. More importantly, AIA Investment MAX Series offers a 30% premium allocation rate starting from the first year, which can help in attaining your savings goals faster. What’s more, you can start investing with as little as $100 per month1.
Tailor Your Investment To Your Needs
With AIA Investment MAX Series, you can take advantage of the following options to suit your changing needs or changing market conditions:
- Ad-hoc top-ups
- Automatic fund switching
- Automatic fund re-balancing
- Free fund switches
- Premium holiday2
Benefit From Dollar Cost Averaging
The AIA Investment MAX Series is a regular premium investment-linked plan. By investing a fixed amount of money into your plan at regular intervals, regardless of the market conditions, you can potentially lower your risk and benefit from dollar cost averaging.
Choose Your Level Of Protection
AIA Investment MAX Series offers you a choice of 2 products that are designed to meet your unique insurance coverage needs – AIA MAX Protector and AIA MAX Growth.
AIA MAX Protector
- Provides you greater insurance protection with a death benefit which is your sum assured3 plus 100% of your policy value.
- You can pick from a wide range of optional benefits4 to add on to your AIA MAX Protector to enhance your insurance coverage. These benefits include protection for critical illnesses, accidental death, hospitalization and disability.
AIA MAX Growth
- Allows you investment opportunities while enjoying a death benefit which is your sum assured, fixed at 2 times your basic annual premium (subject to a maximum of $100,000), plus 100% of your policy value.
- Application is hassle-free. Just answer a simple question. No medical examination is required.5
Exclusions
The exclusions for AIA Investment MAX Series include, but are not limited to the following conditions. You are advised to read the policy contract for the full list of exclusions.
AIA’s liability shall be limited to 100% of the policy value in case of the following:
b) any material misrepresentation or concealment during the 2-year period beginning from the Issue Date or Reinstatement Date of the Policy, whichever is later; or
c) fraud at any time.
Example of AIA MAX Protector
Mr Tan is 35 years old and married with no children. He hopes to set aside an annual amount of $2,000 for his insurance needs for the next 25 years. He is concerned about providing for his wife should anything happen to him.
| End of Policy Year/Age |
Non-Guaranteed Cash Values @ 5% per annum | Non-Guaranteed Cash Values @ 9% per annum |
| 25/60 | $71,700 | $125,600 |
This illustration is based on a 35-year-old male non-smoker with no additional loadings, no top ups or withdrawals and paying an annual premium of $2,000 with a sum assured of $20,000 (10x basic annual premium)
This is an illustrative example only and is not indicative of any future or likely performance.
Example of AIA MAX Growth
Mr Lim, aged 45, is planning for his retirement in the next 15 years. He is interested in AIA MAX Growth and contributes a basic premium of $6,000 per year.
| End of Policy Year/Age |
Non-Guaranteed Cash Values @ 5% per annum | Non-Guaranteed Cash Values @ 9% per annum |
| 15/60 | $105,900 | $144,400 |
This illustration is based on a 45-year-old male non-smoker with no additional loadings, no top ups or withdrawals and paying an annual premium of $6,000 with a sum assured of $12,000 (2x basic annual premium). Your individualized Benefit Illustration is available and may be obtained from your AIA Financial Services Consultant.
This is an illustrative example only and is not indicative of any future or likely performance.
Expertise In Fund Management
The AIA Managed Portfolios and AIA Investment Funds are professionally managed by our fund managers6 and carefully selected external fund managers.
Act Now!
To discover how AIA Investment MAX Series can meet your investment and protection needs, contact your AIA Financial Services Consultant for an AIA Financial Health Check today. You can also call our AIA Customer Care Hotline at 1800 248 8000.
Important Notes:
1
2 After the premiums for the first policy year are fully paid, you may instruct AIA to apply a Premium Holiday to your policy.
3 Sum assured for AIA MAX Protector can range from 10 times of your Annual Premium to 200 times of your Annual Premium.
4 A wide range of riders is available for AIA MAX Protector, with a more limited selection of riders available for AIA MAX Growth.
5 Full underwriting applies for riders attached to AIA MAX Growth.
6 Please refer to the AIA Investment Funds Product Summary
How's your financial health?
Take the AIA Financial Health Check today!
The above is a simplified description of the product features. This is not a contract of insurance. The precise terms and conditions of the policy, including exclusions whereby the benefits under your policy may 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.
AIA Investment MAX Series is an investment-linked policy (ILP) offered by AIA, which invests in ILP fund(s). Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. Past performance, as well as the prediction, projection or forecast on the economy, securities markets or the economic trends of the markets are not necessarily guaranteed and the value of the units in the ILP fund(s) and the income accruing to the units, if any, may fall or rise. A product summary relating to the ILP fund(s) is available and may be obtained from your AIA Financial Services Consultant. A potential investor should read the product summary before deciding whether to subscribe for units in the ILP fund(s).
All insurance applications are subject to AIA’s underwriting and acceptance.
For a juvenile policy, if death occurs during the first 180 days of the child’s life, a reduced amount of 20% of the Insured Amount will be payable. Thereafter, the full Insured Amount will be payable.
The information stated is correct as at
Life Protection
