​​Get affordable protection for life ​

DIRECT - AIA Whole Life Cover (II)

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DIRECT - AIA Whole Life Cover (II)

​​Protect yourself with an affordable whole life insurance plan that provides coverage​ up to the age of 100 ​with ​stable long-term returns​.​




Whole Life

Issue Age

18 - 65 Years Old

More info

​​​Coverage amount and potential cash bonuses accumulated will be paid out in the event of death, diagnosis of a terminal illness or total and permanent disability (up to age 65).​​

Find out more about direct purchase insurance

Do you want additional peace of mind?

Additional options are available ​with your AIA Whole Life Cover (II) plan​ to make sure it suits your individual needs.

Add on critical illness protection that covers you all the way up to age 100​, to enhance your whole life protection.​​

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Terms and conditions

  • The annual and terminal bonuses payable (if any) are non-guaranteed and will depend on the performance of the participating fund. Once credited to the policy, annual bonuses (if any) form part of the guaranteed benefits of the policy. Terminal bonus is a one-time, non-guaranteed, discretionary bonus that may be payable when you make a claim, choose to stop the policy or when the policy ends.

This online platform is for you to purchase insurance plans based on your own selection and without any financial advice. Do note that not all our plans are available on this platform. The information and descriptions on this platform are provided solely for general informational purposes and do not constitute any financial advice. It does not have regard to the specific investment objectives, financial situation and particular needs of any persons. Do contact us if you wish to receive any assistance.
Buying a life insurance plan is a long-term commitment on your part. If you cancel your plan prematurely, the cash value you receive (if applicable) may be zero or less than the premiums you have paid for the plan.
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 these plans, including exclusions whereby the benefits under these plans may not be paid out, are specified in the policy contracts. You are advised to read the policy contracts. 
You may wish to seek advice from an AIA Financial Services Consultant before deciding to purchase this policy. Should you choose not to seek advice from a Financial Services Consultant, please consider whether the product is suitable for you, and you take responsibility to ensure that this plan is appropriate to meet your financial needs and insurance objectives. You may wish to terminate the policy according to the free-look provision if you find that the policy is unsuitable after purchasing it, and AIA may recover from you any expense incurred in underwriting the policy.
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.
Some benefits of the life policy are not guaranteed e.g. bonus rates. Premium rates for certain policies and riders are not guaranteed. Please refer to the Policy Illustration & important information for details. 
If you purchase online, we will give you 14 days free-look period so that you have sufficient time to consider your purchase. If you are not sure, you can contact us to explain the product features or seek advice from a financial advisor representative about the suitability of the policy before purchasing it. If you decided not to seek any advice, you would have already considered the suitability of the policy for your financial circumstances and needs.
Before purchase, you should use the following resources to consider the different types of Direct Purchase Insurance (DPI) and life policies, and whether this policy you intend to purchase is suitable for your financial circumstances and needs:
  • Insurance Estimator to calculate the amount of life insurance coverage you need;
  • MoneySense Budget Calculator to check whether you can afford the premium based on your income and expenditure;
  • www.comparefirst.sg to compare the features and premiums of DPI and other types of life policies; and
  • MoneySENSE website to learn more about DPI.
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 the 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 14 February 2023.