AIA Platinum Infinite Wealth

Grow and transfer your wealth across multiple generations

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AIA Platinum Infinite Wealth

Your wealth is a powerful legacy. Grow and share it across generations with infinite possibilities through flexibility.

Currency

US$

Period

Whole life

Issue Age

0 - 80 years old

More info

Policy split option
You can distribute your wealth flexibly by dividing your policy into multiple policies and pass them to your loved ones as legacies.​​
 
Change of insured
Allows you to transfer your plan to another loved one as the new insured, multiple times to ensure policy continuity and wealth accumulation.
 
Appointment of secondary insured
Your policy continues to accumulate wealth as the appointed secondary insured becomes the new insured upon your demise.

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Terms & conditions

  • You may request to exercise the policy split option to divide your policy into separate policies. The policy split option may be exercised after the 3rd policy anniversary (for single premium plan) or after the 5th policy anniversary (for 5-pay plan), subject to meeting our terms and conditions. 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 our terms and conditions. The coverage for any subsequent insured(s) (if change of insured is performed) will be capped at 300 years from the original policy's issue date. Please refer to the policy contract for full details.
  • Partial cash withdrawal is via partial surrender of the policy after it has acquired cash value. Partial surrenders will reduce the long-term value of the plan.
  • If the insured passes on, we will pay the higher of (a) 101% of total premiums paid or (b) guaranteed cash value and any bonuses added to your basic policy which you have not surrendered, less any amounts owing to us. The policy will terminate thereafter. If a secondary insured is appointed, upon passing of the insured, no death benefit will be payable as the secondary insured will take over as the new insured (subject to approval by AIA).
  • Reversionary and terminal bonuses are non-guaranteed and depend on the experience of the participating fund. Terminal bonus forms a significant component of the non-guaranteed benefits. Adjustments to the reversionary and terminal bonuses (if any) may significantly affect the death benefit or surrender benefit that you may receive. The bonuses may be changed at any time upon change in economic conditions and other related factors. There is no maximum amount by which the bonuses may be changed.
  • Capital guaranteed is applicable to the basic plan only on the condition that all premiums are fully paid and received in annual mode with no indebtedness or partial surrender.

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 22 August 2023.