AIA Platinum Indexed Legacy (III)

​​Elevate your legacy for generations​

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AIA Platinum Indexed Legacy (III)

It is an Indexed Universal Life (IUL) plan that offers stability through the Fixed Account and opportunity for higher growth potential linked to market indices with downside protection. 

Currency

US$

Period

Whole Life

Benefits for you

​​​Amplify growth potential​​

Gain access to higher potential returns by selecting from a curated suite of Index Sub‑accounts.

Learn more

Secure steady returns

Reap stable returns on the Fixed Account that offers a guaranteed minimum crediting rate of 2% p.a.​​

Upside potential with downside protection​​​

​​​​Minimise your potential losses with a guaranteed minimum floor rate of 0% for your Index Account.​​​

Dollar-cost averaging

Mitigate market volatility in your Index Account by spreading your premiums over 6 to 12 months.

Get rewarded as you stay invested

Get guaranteed special bonus of 0.35% p.a. starting from your 11th policy year onwards, till age 100.

Navigate life's changes with greater freedom

Stay ahead of your evolving needs with account rebalancing, change 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.

More info

Choice driven growth
Select from a suite of Index Sub-accounts, each designed to align with distinct growth objectives to support your long-term strategy: 
  1. S&P 500 (Cap)
  2. S&P 500 (Participation)
  3. S&P 500 Futures 12% Intraday Edge Growth      
  4. MSCI BofA US Dualcast    

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, and between Index Sub-accounts 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.​

Frequently asked questions

Indexed Universal Life (IUL) is a non-participating life insurance plan that offers lifelong protection while building cash value. The cash value is linked to the performance of market indices (such as the S&P 500) and includes a guaranteed floor rate of 0% to protect against market downturns, subject to other policy risks and charges. AIA Platinum Indexed Legacy (III) is an IUL plan designed to support legacy planning, helping you to preserve and transfer wealth with confidence.

While traditional whole life plans typically offer more stable returns due to their limited exposure to market fluctuations, an IUL plan like AIA Platinum Indexed Legacy (III) offers market‑linked growth potential through the Index Account. Crediting interest is determined based on the chosen indices and the applicable cap or participation rate, with a 0% floor applied for downside protection. Policy values grow when crediting interest is added, subject to deduction of applicable fees and charges.

An IUL plan combines lifelong protection with the potential to build and preserve wealth over time, making it well-suited for intergenerational wealth transfer. AIA Platinum Indexed Legacy (III) further enhances this by offering the flexibility to change the life insured as well as the option for you to determine how the death benefit is paid out to your nominated beneficiaries – as a lump sum or over a period of 2 to 10 years, without the need for a trust.

Unlock greater value with our limited-time premium discounts and additional welcome bonus!

Enjoy up to 10% premium discount and 8% additional welcome bonus* when you grow your wealth with our selected AIA plans.
Terms and Conditions apply

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Terms and conditions

  • Crediting rate for Index Account is calculated based on the performance of the underlying index, excluding dividends, subject to floor rate, participation rate, and cap rate (where applicable) as determined by AIA, plus guaranteed special bonus (if any).
  • You can only make account rebalancing request after your 1st policy anniversary. 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 (if any) and the current insured amount will be reduced by the amount in excess of the free partial withdrawal limit. 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

S&P 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®, SPX®, SPY®, 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 Series is not sponsored or, sold by SPDJI, Dow Jones, S&P, 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®.

S&P 500 Futures 12% Intraday Edge Growth TCA 1.5% Decrement Index 
The S&P 500 Futures 12% Intraday Edge Growth TCA 1.5% Decrement Index 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®, SPX®, SPY®, 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 Series is not sponsored or, sold by SPDJI, Dow Jones, S&P, 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 Futures 12% Intraday Edge Growth TCA 1.5% Decrement Index.

MSCI BofA US Dualcast Index
The MSCI indices are the exclusive property of MSCI Inc. ("MSCI") but may be calculated and/or administered by third parties appointed by MSCI.  MSCI and the MSCI index names are service mark(s) of MSCI or its affiliates and have been licensed for use for certain purposes by AIA Singapore Private Limited. In connection with the MSCI indices, MSCI has licensed the use of certain marks and methodology from BofA Securities, Inc., and other information directly or indirectly from suppliers (each a "Licensor", and collectively with MSCI, the "Licensors"). The financial products referred to herein are not sponsored, operated, endorsed, sold or promoted by the Licensors, and the Licensors bear no liability with respect to any such financial products or any index on which such financial products are based. Obligations to make payments under any such financial products are solely the obligation of Licensee pursuant to the term of the contract and are not the responsibility of the Licensors.  The annuity contract contains a more detailed description of the limited relationship MSCI has with AIA Singapore Private Limited and any relevant financial products. No purchaser, seller or holder of this product, or any other person or entity, should use or refer to any Licensor trade name, trademark or service mark to sponsor, endorse, market or promote this product without first contacting the relevant Licensor to determine whether its permission is required.  Under no circumstances may any person or entity claim any affiliation with a Licensor without the prior written permission of such Licensor.

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. You are advised to read the policy contract and product summary before deciding whether to purchase the product. You may wish to seek advice from an AIA Consultant or Insurance Representative before making a commitment to purchase the product.
 
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 20 July 2026.