AIA Platinum generations (II)

Platinum

Period

whole life

Issue Age

0 - 60 years old

Currency

uS$

You can buy this via

AIA APPOINTED representative

What This Product Is About

With hard work, you’ve built an unprecedented level of success. And now it’s time to enjoy it with a plan that gives you additional income while preserving your wealth for generations to come.

AIA Platinum Generations (II) is a US$ limited pay whole life plan that offers lifelong protection, regular additional income and long-term growth potential for your money. It protects, preserves, and grows the wealth you’ve accumulated today, giving it the potential to benefit up to three generations.

What Does It Provide?

GUARANTEED CASH COUPONS TO SPEND ON WHAT YOU LIKE

You will receive guaranteed annual cash coupons each amounting to 2% of the coverage amount from the end of the 10^th year of the plan onwards, which you can choose to spend as you wish or leave with us to earn interest, potentially enhancing the value of your legacy.
POTENTIAL TO EARN HIGHER RETURNS

You may enjoy potential returns in the form of non-guaranteed annual dividends that you can receive in cash or leave with AIA to grow over time. In addition, you may also receive a potential one-time terminal dividend when the policy matures, is surrendered, or a claim is made.
LIFETIME PROTECTION AND A GIFT THAT ENDURES

With just 10 years of premiums, you can ensure that your legacy stretches up to 3 generations, creating a gift of financial security that truly endures.

Here’s How:

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You (As the Policyholder)

With just 10 years of premium payments, you ensure that your child is protected for a lifetime. At the same time, receive potential annual dividends throughout the policy term, as well as annual coupons from the end of the 10th policy year onwards

Your Child (As the Insured)

You could choose to assign the policy to your child any time after he/she reaches the age of 21 to grant him/her the annual cash coupons and potential dividends

Your Grandchild (As the Insured’s Beneficiary)

At the end of your child’s lifetime, your grandchild will receive the death benefit (comprising the insured amount on the basic policy), the non-guaranteed terminal dividend, plus any accumulated annual dividends, coupons, and interest
FURTHER PROTECTION AGAINST DISABILITY AND TERMINAL ILLNESS

For an added peace of mind, AIA Platinum Generations (II) provides additional coverage for Terminal Illness (up till age 100) and Total Permanent Disability (up till age 70). Should any of the events occur, we will make an accelerated benefit payment* equal to the insured amount of the basic policy (less any indebtedness under your policy).

* Claim limit per life shall be applicable to both Terminal Illness & TPD benefit

insurance lingo explained

What do we mean by whole life plan?

It offers a lifetime insurance protection. You pay premiums throughout your life, but this can be changed to a limited period. It will pay out the insured amount and any bonuses you have built up when you make a claim.

GET IN TOUCH

Get in touch

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Are you an existing AIA Singapore customer?*

Drop us a question here:

By providing your personal data and submitting this form, you consent to the collection, use, disclosure, processing and retention of your personal data by AIA Persons^[1] , for purposes of addressing your enquiry ("Purpose"), in accordance with AIA Personal Data Policy (Singapore) . You also consent to being contacted by AIA Persons^[1] via your provided contact details^[2] for such Purpose.

¹ "AIA Persons" refers to AIA Singapore Private Limited, its associated persons/organisations, its and their third-party service providers and its and their representatives, whether within or outside Singapore.

² If you have provided your mobile number, we will contact you via voice call and/or text message (e.g. SMS/MMS). If you have provided your email address, we will contact you via email.

Partial NRIC / Passport / FIN No.

(last 4 characters)

Date of Birth

THE FINE PRINT

the terms and conditions at a glance

Your policy will terminate upon the death benefit payout or acceleration of the full insured amount under the basic plan, whichever is earlier.
Annual dividend and terminal dividend (if any) are non-guaranteed and will depend on the performance of the participating fund. Once credited to the policy, annual dividends (if any) form part of the guaranteed benefits of the policy. Terminal dividend is a one-time, non-guaranteed, discretionary dividend that may be payable when you make a claim, choose to stop the policy or when the policy ends.

DETAILED TERMS AND CONDITIONS

- COLLAPSE + EXPAND

EXCLUSIONS

Things that you won't be able to claim from this policy

There are certain conditions such as suicide within 1 year from the policy issue date or reinstatement date (whichever is later) for which no benefits will be payable. Please refer to the policy contract for the full list of exclusions.

IMPORTANT NOTES

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”).

All insurance applications are subject to AIA’s underwriting and acceptance. This is not a contract of insurance. The precise terms and conditions of this plan, 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.

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. You should consider carefully before terminating the policy or switching to a new one as there may be disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

The information is correct as at 3 November 2020.

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AIA Platinum generations (II)

whole life

0 - 60 years old

uS$

AIA APPOINTED representative

What This Product Is About

What Does It Provide?

GUARANTEED CASH COUPONS TO SPEND ON WHAT YOU LIKE

POTENTIAL TO EARN HIGHER RETURNS

LIFETIME PROTECTION AND A GIFT THAT ENDURES

+ Expand All

- Collapse All

FURTHER PROTECTION AGAINST DISABILITY AND TERMINAL ILLNESS

insurance lingo explained

Get in touch

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