Retire with greater confidence

AIA Platinum Retirement Elite

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AIA Platinum Retirement Elite

A retirement plan expertly crafted for you.





Issue Age

0 – 75 years old

More info

Single premium
Receive Power-up Bonus - 2.5% of single premium from the end of the 10th policy year and at the end of every 5th policy year thereafter.​​
Regular premium for 5 years
​Receive Power-up Bonus - 12.5% of annual premium from the end of the 10th policy year and at the end of every 5th policy year thereafter.

Death and terminal illness payout
Should the unforeseen happen, your loved ones will receive a lump sum payout equivalent to 105% of the policy value (less any fees and charges, if any).
Additional accidental death benefit payout
Should death occur due to an accident within the first 5 policy years, your loved ones will receive an additional death benefit payout, with the amounts listed as follows.
Single premium plan: 10% of your single premium
Regular premium for 5 years: 50% of total regular premiums paid

Single premium
Enjoy the flexibility to invest using cash or funds from your Supplementary Retirement Scheme* (SRS) account.
*SRS is only available for single premium portion in SGD currency.
Regular premium for 5 years

3 portfolios offered are AIA Elite Conservative, AIA Elite Balanced, and AIA Elite Adventurous – each thoroughly researched and well-diversified across a strategic mix of equities and bonds to suit your risk profile.

Access to unparalleled wealth expertise

With a dedicated team of investment professionals and best-in-class institutional asset managers, we're focused on delivering superior long-term sustainable results to give you the assurance that your long-term financial needs will be met.

A retirement plan expertly crafted to suit your pace, your taste

Achieve your well-being

Get up to 2% discount when you sign up by 31 July 2024. T&Cs apply.

Get in Touch

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Terms & conditions

  • A minimum accumulation period of 10 years must be fulfilled before the retirement income payout starts. The actual payout period is subject to the target monthly retirement income and the value of your policy. In the event where the ILP sub-fund(s) are underperforming or if there are any withdrawals from the policy, the fund value may deplete even faster and the policy may terminate before the desired income payout period. 
  • To qualify for the Power-Up Bonus, your policy must be in force on the bonus declaration date and premiums payable are up to date. Power-Up Bonus may be adjusted if partial withdrawals are made from the policy value.
  • Annual premium is defined as the aggregate of the monthly, quarterly or half-yearly premiums due over a policy year.

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 Platinum Retirement Elite is an Investment-linked Plan (ILP) offered by AIA. 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).
The actual policy value will depend on the actual performance of the policy as well as any alterations such as variation in the Insured Amount or premium, such as premium holiday or partial withdrawals. There is a possibility that the policy value will fall to zero and in this case, the policy will be terminated. Policyholder can avoid the policy lapsing by topping up additional premium.
You should seek advice from a qualified advisor 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 or Insurance Representative. 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).
Investment risks include foreign exchange risks and in addition, the Singapore dollar return for US$ denominated policies (where applicable) will depend on prevailing exchange rate which may be highly volatile.
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.
These policies are 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 ( or or
This advertisement has not been reviewed by the Monetary Authority of Singapore.
The information is correct as at 30 January 2023.