Protect your loved ones’ future from life’s uncertainties
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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.
You will receive guaranteed annual cash coupons each amounting to 2% of the coverage amount from the end of the 10th 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.
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.
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.
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
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
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
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
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.
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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.
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.