Life Insurance
Protect your loved ones’ future from life’s uncertainties
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{{label}}Life Protection
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Safeguard yourself and your loved ones against death, as well as disability and 150 multi-stage critical illnesses with the addition of comprehensive riders.
All while enjoying the flexibility to refine your investments with professional guidance, rejig your coverage to suit your goals for each life stage, and more.
Apart from receiving death coverage, you can also customise a comprehensive scope of protection to suit your needs with these optional riders:– get started from as low as $7 a day:
Receive up to 100% of basic coverage amount should total and permanent disability strike.
Receive your coverage amount from your basic policy should you suffer from any of the covered 73 major critical illnesses (up to age 100).
Be safeguarded against 150 multi-stage critical illnesses (up to age 100) with a power reset feature for multiple claims up to 300% of your coverage amount, and 15 special conditions.
Add this to Lifetime Critical Cover rider and be protected if you suffer from any of the 5 relapsed critical illnesses.
Click here for more optional riders to supplement your coverage.
Increase your basic coverage by up to S$200,000 without medical underwriting during key life milestones, namely your 18th birthday, marriage, birth of child, death of spouse or adoption of child before your 60th birthday
No matter how your investments perform, rest assured that you and your loved ones are protected in the first 10 years of your policy
Get access to cash should the need arise after the 2nd year, without any charges
100% and subsequently 102% of your premiums will go into investments from the 5th and 10th policy year onwards respectively, making your money work harder for you
Enjoy exclusive access to Guided Portfolios put together by AIA. A choice of 3 portfolios are offered – Pro Adventurous, Pro Balanced, or Pro Cautious – to suit varying risk appetites, investment horizons, and targeted returns. Designed to optimise your returns while minimising risk, each portfolio is thoroughly researched and well-diversified across asset classes, built on Mercer’s insights and knowledge
Make the choice towards better health than before with AIA Vitality, one of the most comprehensive wellness programmes in Singapore.. As an AIA Vitality member, you get to enjoy additional insurance coverage (also known as PowerUp Dollar) and premium discounts on eligible riders. With PowerUp Dollar, you will get an additional 10% coverage on top of your basic coverage amount from policy inception without paying any extra premiums. Plus, add on the Lifetime Critical Cover rider and get another 10% coverage of the rider’s sum assured! As you improve your AIA Vitality status, you will receive even more PowerUp Dollar – which means more coverage for you without any additional costs! What’s more, AIA Pro Lifetime Protector (II) also offers eligible riders on which you can get up to 15% discount on premiums as you boost your AIA Vitality status. So the higher your AIA Vitality status, the more you can save!
Stretch the safety net further for yourself and/or your little one, with more optional riders.
Buying this plan for yourself?
Early Critical Protector Waiver Of Premium (II) & Critical Protector Waiver Of Premium (II)
Eligible future premiums of your AIA Pro Lifetime Protector (II) and eligible riders (if any) will be waived till the end of your rider term, upon diagnosis of any of the covered:
Buying this plan for your little one?
Child Critical Cover
He/she receives protection against 25 child medical conditions until age 21, after which you have the option to convert it into a lifelong plan that will give your child guaranteed coverage through adulthood.
Early Critical Protector Payor Benefit (II) & Payor Benefit Comprehensive Special (II)
Eligible future premiums of your child’s AIA Pro Lifetime Protector (II) and eligible riders (if any) will be waived up to his/her 25th birthday, upon diagnosis of any of the covered:
*Fast-Track Your Savings Terms and Conditions apply.
Partial NRIC / Passport / FIN No.
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Date of Birth
Things that you won't be able to claim from this policy
There are certain conditions such as pre-existing conditions, whereby no benefits will be payable. Waiting period and survival period are applicable before the benefits will be payable. You are advised to read the relevant policy contract for details.
Lifetime Critical Cover and Total Critical Accelerator (II):
A minimum period of 90 days must have passed between the policy issue date or reactivated date and diagnosis of the following conditions (whichever is later) before a claim can be made for the following:
Relapse Benefit:
A minimum period of 90 days must have passed between the policy issue date or reactivated date and diagnosis of the following conditions (whichever is later) before a claim can be made for the following:
Special Conditions:
A minimum period of 90 days must have passed between the policy issue date or reactivated date and diagnosis of the following conditions (whichever is later) before a claim can be made for the following:
A minimum period of 365 days must have passed between the policy issue date or reactivated date and diagnosis of Attention-deficit Hyperactivity Disorder (whichever is later) before a claim can be made.
You must survive at least 7 days after the diagnosis of a condition or performance of surgical procedure before a claim can be made.
There are fees to cover policy expenses and charges for your insurance protection. The annual fund management fee is already factored into the unit price of each fund. There are no fees for switching or partial withdrawals after 2nd policy year. The fees and charges for this plan are not guaranteed. Please refer to the policy contract for details.
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.
AIA Pro Lifetime Protector (II) is an Investment-linked Plan (ILP) offered by AIA Singapore Private Limited, which invests in ILP sub-fund(s). 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). You should seek advice from an AIA Financial Services Consultant 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. 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).
This publication 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.
Information is correct as at 12 January 2021.