​​Elevate your legacy for generations​

AIA Platinum Indexed Legacy

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AIA Platinum Indexed Legacy

Experience stability with a fixed account and unlock higher potential growth from an internationally recognised index.

Currency

US$

Period

Whole Life

Issue Age:

0 - 75 years old

Benefits for you

​​​Amplify growth potential​​

Enjoy higher potential returns with an Index Account benchmarked to S&P 500 index.​

Secure steady returns

​​​​Reap stable returns with a Fixed Account that offers minimum guaranteed crediting rate.​​​

​​​​Financial stability​​​

​​​​Minimise your potential losses with a guaranteed minimum floor rate and minimum surrender value.​​​

Dollar-cost averaging

Mitigate the risk of market volatility by spreading your premiums over 6 to 12 months.

Get rewarded as you stay invested

Get guaranteed special bonuses of 0.35% p.a. starting from your 11th policy year.

Navigate life's changes with greater freedom

Stay ahead of your evolving needs with account rebalancing, changing of life insured and liquidity.

Learn more

A lifetime of protection, and beyond

Lifetime coverage with option for death benefit to be paid over 2 to 10 years without a trust fund.

More info

Premium Options
​Choose between single premium or multi-pay premiums, whichever better suits your financial circumstances. You can also supplement your investment value with top-up premiums thereafter.
 
​​Account Rebalancing​
​Adjust the values between your Fixed Account and Index Account to align with your changing risk appetite and financial goals.
 
Change of Life Insured​
​You can opt to change the life insured after your 1st policy anniversary to ensure your plan is protecting your loved ones effectively.
 
​Liquidity to fulfil new needs
​With free partial withdrawal from the 11th policy year onwards, you can address unexpected expenses without disrupting your long-term goals.​

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More ways to keep you protected

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Terms and conditions

  • Crediting rate for Index Account is calculated based on the day-to-day performance of the underlying index, excluding dividends, subject to floor and cap rates by AIA, plus guaranteed special bonuses (if any). 
  • You can only make account rebalancing request after your 1st policy anniversary and before the policy anniversary immediately following the insured's 100th birthday. Each request must be at least 1 year apart. Please refer to the policy contract for full details. 
  • You may request for a change of the insured after the policy has been in force for at least one year, subject to meeting other terms and conditions. Please refer to the policy contract for full details. 
  • A partial withdrawal charge is applicable during the first 15 years of your policy, as well as from the effective date of any increment in your coverage amount. We offer a free partial withdrawal limit from the 11th policy year onwards and will not deduct any partial withdrawal charges so long as the partial withdrawal amount does not exceed 8% of the accumulation value at the start of the policy year when the partial withdrawal is made. Any amount more than the free partial withdrawal limit is subject to partial withdrawal charges. We reserve the right to terminate or suspend the partial withdrawal facility any time at our sole discretion. We will not be responsible for any losses whatsoever arising from our decision to suspend or terminate the partial withdrawal facility.  
  • We will pay the higher of the coverage amount or accumulation value if death occurs before the policy anniversary immediately following the insured's 122nd birthday. Else the death benefit is equal to the accumulation value and the amount payable is less any indebtedness. 

Index disclaimers

Standard and Poor's 500 Index 
The S&P 500® is a product of S&P Dow Jones Indices LLC or its affiliates ("SPDJI"), and has been licensed for use by AIA Singapore Private Limited.  S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by AIA Singapore Private Limited.  AIA Platinum Indexed Legacy is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®. 

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 information 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 12 March 2024.