AIA Platinum Legacy (IX)

Platinum

Period

Whole Life

Issue Age

0 – 75 YEARS OLD

Currency

US$

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AIA APPOINTED representative

What This Product Is About

You have worked hard to reach the pinnacle of success, and your life’s achievements deserve to be protected so your legacy can live on for generations to come. AIA Platinum Legacy (IX) is uniquely designed to help enhance your financial assets and transfer your estate in accordance to your wishes. This way, you can empower your children to build on your success and provide an even better living for your descendants.

What Does It Provide?

LEGACY PLANNING

It is imperative to not only pass on your wealth but build on it, so your future generations can benefit from your success for longer. Enhance your assets with a guaranteed crediting rate on your initial premium for the first 3 years, and a special bonus at the end of policy year 10, 15, 20 and 30.
ESTATE LIQUIDITY

With AIA Platinum Legacy (IX), you can strengthen the harmony and happiness of your family and rest assured that after your passing, your legacy will be distributed according to your wishes.
PORTFOLIO DIVERSIFICATION

Preserve and protect your wealth by diversifying the risk of assets that are easily impacted in a volatile market. This plan adds stable potential growth to your portfolio.
BUSINESS CONTINUITY

Ensure the long-term succession of your business and limit the risk of losing a key employee with a plan that complements your continuity strategy.
GREATER FLEXIBILITY TO SUIT YOUR NEEDS

You can adjust your plan according to your needs with the option to pay your premium in a lump sum or at regular intervals over time. Should you wish to have access to liquidity, the plan allows you to make partial withdrawals and take a loan. You may also raise or lower your coverage amount according to your needs.

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THE FINE PRINT

the terms and conditions at a glance

You have the option to pay more premium to achieve your desired accumulation value by your specified date, subject to our approval.
There is a partial withdrawal charge during the first 15 years of your policy and from the date you increase your coverage amount. We offer a free partial withdrawal from the 11^th year of your policy, if your partial withdrawal amount doesn’t exceed 4.5% of the accumulation value at the start of the policy year that the partial withdrawal is made.
Policy loan is subject to our approval and the prevailing loan interest rate.
Decrease in coverage amount may incur partial withdrawal charges and the minimum coverage amount must be at least US$500,000. Increase in coverage amount will need proof of insurability and our approval. Any increase or decrease in coverage amount is only available after the 1^st year of your policy.

DETAILED TERMS AND CONDITIONS

- COLLAPSE + EXPAND

EXCLUSIONS

Things that you won't be able to claim from this policy

There are certain conditions such as pre-existing conditions and suicide within 1 year from the policy issue date or reactivated date (whichever is later), for which no benefits will be payable. Please refer to the policy contract for the full list of exclusions.

CHARGES

Premium Charge: 6% on initial premium and any additional premium.

Administration Charge: Deducted monthly for 10 years. Refer to the point of sales documents for the rates.

Insurance Risk Charge: Deducted monthly for the life of the policy. The rate is guaranteed for the first 5 policy years. Refer to the point of sales documents for the rates.

Partial Withdrawal/ Surrender Charge: Applicable to partial withdrawals/surrender made within the first 15 years of your policy. Partial withdrawals from the 11th policy year onwards may be free of charge if certain requirements are satisfied.

Important Notes

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 5 April 2019.

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AIA Platinum Legacy (IX)

Whole Life

0 – 75 YEARS OLD

US$

AIA APPOINTED representative

What This Product Is About

Talk To Us

What Does It Provide?

LEGACY PLANNING

ESTATE LIQUIDITY

PORTFOLIO DIVERSIFICATION

BUSINESS CONTINUITY

GREATER FLEXIBILITY TO SUIT YOUR NEEDS

Get in touch

Thank You

THE FINE PRINT

the terms and conditions at a glance