​​AIA Smart Flexi Growth

​​Build and secure your life goals

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AIA Smart Flexi Growth

​​Set​ aside a fixed amount regularly​ and enjoy flexible premium and coverage period options with a smart savings plan that builds towards the future you have in mind.

Currency:

S$

Period:

Term

Benefits for you

Capital guaranteed

​​​​Every dollar that you contributed is​ guaranteed upon policy maturity.​​

Potential bonuses

​​​Enjoy a non-guaranteed reversionary bonus and terminal bonus upon policy maturity.​​

Flexible premium and policy terms

​​​Choose from a range of premium payment period and policy term options that best fit your needs.​​

Learn more

Assurance while you save

​​​Secure your family's financial future in the event of the unexpected with our death benefit.​​

Additional protection

​​​Bolster your protection with optional riders to waive future premiums for yourself or your child. ​​

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Guaranteed acceptance

​Start your savings journey almost immediately with no health ​questions asked​.

More info

​​​Payment and Coverage period​​
​​​5 years payment terms = 15 – 30 years coverage period​​
​​​10 years payment terms = 20 – 30 years coverage period​​
​​​15 – 30 years payment terms = Same as premium payment period​​

​​​Riders to waive future premiums​​
​​​Future premiums of your AIA Smart Flexi Growth plan and eligible riders (if any) will be waived, upon diagnosis of any of the covered:​​
 
  • ​​​149 early, intermediate, or major stage critical illnesses with Early Critical Protector Waiver of Premium (II) rider; or​​
  • ​​​72 major critical illnesses with Critical Protector Waiver of Premium (II) rider​​
​​​Riders to secure your child's future​​
​​​Future premiums of your child's AIA Smart Flexi Growth plan and eligible riders (if any) up to his/her 25th birthday will be waived, upon diagnosis of any of the covered:​​
 
  • ​​​149 early, intermediate, or major stage critical illnesses, total and permanent disability, or upon your passing with Early Critical Protector Payor Benefit (II) rider​​

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Frequently asked questions

AIA Smart Flexi Growth is a flexible participating savings insurance plan designed to help you grow wealth steadily while providing financial protection. It offers flexible premium payment options to suit your needs. Upon maturity, you will receive 100% of the premiums paid back, guaranteed, together with potential non-guaranteed reversionary bonus and terminal bonuses that can further enhance your savings growth. The plan also provides death coverage with optional add-on covers to protect you and your child, helping you plan the future with greater confidence.

AIA Smart Flexi Growth helps you build a disciplined savings habit for your future goals. Through regular premium contributions, you can grow your wealth steadily over time and benefit from potential growth with non-guaranteed reversionary bonus and terminal bonuses. In addition, you will receive 100% premiums paid back, guaranteed, upon maturity. 

Yes, AIA Smart Flexi Growth is designed to help you achieve your savings goals over a period of 15 to 30 years, whether for retirement, your child's education or other future aspirations.
 
Upon maturity, you will receive 100% premiums paid back, guaranteed, together with potential non-guaranteed reversionary bonus and terminal bonuses that can enhance your returns This gives you a strong foundation to work towards your long-term goals with greater confidence.

More ways to keep you protected

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Terms & conditions

  • Capital guaranteed is applicable for 5- and 10-year premium payment period options only. The amount of capital guaranteed is based on the total premium of the basic plan and it is on the condition that all premiums are fully paid.

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 this plan may not be paid out, are specified in the policy contract. You are advised to read the policy contract. You are recommended to read the product summary and seek advice from an AIA Financial Services Consultant for a financial analysis before purchasing a policy suitable to meet your needs.
 
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 30 January 2023.