AIA Pro Achiever 3.0

A 5% premium charge will apply on all top-ups.

Charges apply if the following events happen during the IIP: 

• Partial withdrawal
• Premium holiday
• Surrender
• Premium Reduction

• We may declare dividends for certain ILP Sub-Funds that include the option for you to accept dividend payments. The amount of the dividends payable will be based on the number of units held by you in that fund on ex-date, as evidenced in our records. Dividends are not guaranteed.
• The frequency of dividend distribution of an ILP Sub-Fund is not guaranteed and determined by us at our sole discretion. By default, the dividends will be reinvested and distributed as additional units in the fund, equivalent to the total value of the dividends divided by the bid price of each unit prevailing on the reinvestment date.
• For certain ILP Sub-Funds, there will be two business days of non-dealing during which the subscription and/or redemption of units cannot be carried out (including transactions such as fulfilling single premium payments, top-up premium requests, fund switch requests, partial withdrawal/ full surrender/ claim requests or your exercise of the free-look option which necessarily lead to the subscription or redemption of units). The non-dealing days will occur before an ex-date. All the subscription and/or redemption of units shall be transacted based on the prevailing bid price as at the valuation day after the non-dealing days.

Investors should take note of the risks associated with dividend distribution.

• Dividends from the underlying fund(s) may be adversely affected by (amongst others) investee entities suffering unexpected losses and/or paying lower than expected dividends.
• AIA Singapore intends to distribute dividends from the income and/or net realised gains of the ILP Sub-Fund, and AIA Singapore maintains the discretion to distribute dividends out of capital. Where dividend distributions are made out of capital, it may lead to a reduction in investor’s original investment and may also result in reduced future returns to the investor.
• Both capital and dividend distributions are not guaranteed.

Please refer to the AIA Investment Fund Product Summary and Product Highlight Sheet for further details on dividend distribution and risks associated with the ILP Sub-Fund.

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.

AIA Pro Achiever 3.0 is a regular premium Investment-linked Plan (ILP) offered by AIA. Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s).

The actual policy value will depend on the actual performance of the policy as well as any alterations such as variation in the Insured Amount or premium, such as premium holiday or partial withdrawals. There is a possibility that the policy value will fall to zero and in this case, the policy will be terminated. Policyholder can avoid the policy lapsing by topping up additional premium.

Any access to confidential and proprietary information via Guided Portfolios that may be developed by AIA is intended for your exclusive reference, for general information purposes only. This information is not, nor intended to be, investment advice and shall not be relied on as such. AIA via Guided Portfolios does not give any representations or warranties as to the accuracy of any information provided to you and does not accept any responsibility or liability for any loss or damage which you may suffer arising out of or in connection with your purchase. Where appropriate, you are encouraged to seek independent legal, tax and other professional advice.

This does not constitute an offer or a solicitation of an offer to buy or sell securities, commodities and/or any other financial instruments or products or constitute a solicitation on behalf of any of the investment managers, their affiliates, products or strategies the information of which may be contained herein. The contents and information contained herein have not been reviewed nor endorsed by the Monetary Authority of Singapore and/or any other regulatory authorities.

You should seek advice from a qualified advisor and read the product summary and product highlights sheet(s) before deciding whether the product is suitable for you. A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your AIA Financial Services Consultant or Insurance Representative. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s).

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 6 January 2023.