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AIA Pro Achiever 3.0

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AIA Pro Achiever 3.0

Achieve higher growth with regular bonuses and 100% of your premiums invested from day one.​




Whole life

Issue age:

0 – 70 Years Old

More info

To boost your capital, we're offering up to 75% welcome bonus in the first 3 policy years. You'll also receive a special bonus of 5% from the 10th policy year, stepping up to 8% from the 21st policy year onwards, when you continue to pay the regular premiums.

  • Premium holiday – Option to pause premiums until your finances turn around^ 
  • Cash-out option at no charge after IIP ends
  • Option to reduce premium at no charge after IIP ends
  • Ad-hoc top-ups^
  • Free fund switching
  • Free auto fund rebalancing
^Charges may be applicable.    

Additional assurance for peace of mind

You can add on riders to further your safety net with: 

Protect you and your loved ones against unexpected events in life such as death, terminal illness, terminal cancer, and total and permanent disability with a Term rider that offers:
  • Choice of coverage to age 65, 85 or 100
  • Assurance that premium stays the same throughout the coverage period
  • Flexibility to convert your term rider to an AIA endowment, investment-linked, or whole life plan 5 years before your term rider expiry or before age 70, whichever is earlier, with no further medical underwriting required

With the Early Critical Protector Waiver of Premium (II) or Critical Protector Waiver of Premium (II) riders, we'll take care of future premiums should you be diagnosed with any of the covered illnesses.

To secure your child's future, we'll waive future premiums upon diagnosis of any of the covered events such as critical illness, disability, or upon your passing when you add-on Early Critical Protector Payor Benefit (II), Payor Benefit or Payor Benefit Comprehensive Special (II).

Achieve your well-being

Get up to 25% additional welcome bonus. Ends 31 July 2024. T&Cs apply.

Get in Touch

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Terms and conditions

  • Welcome Bonus on your regular premium will be payable for the 1st, 2nd and 3rd annual premium received (subject to the annualised premium amount and IIP).
  • Special Bonus of 5% of regular premium will be payable for the 10th – 20th annual premium received and increases to 8% of regular premium from the 21st annual premium received onwards.
  • During the IIP, certain charges may apply, such as supplementary charges (if applicable), premium holiday charges, premium reduction charges, full surrender charges and partial withdrawal charges. Any dividend payouts (if applicable) will be automatically reinvested into the policy during the IIP.
  • You will be entitled to one premium pass after every 5th annual regular premium has been paid, subject to the maximum number of premium passes for each IIP option. Each premium pass may be activated more than once for a maximum cumulative duration of twelve (12) policy months.
  • If you take a premium holiday during your IIP, premium holiday charges may apply.
  • A partial withdrawal charge applies on withdrawals made during IIP. The benefits of the policy and policy value may be affected by any partial withdrawals.
  • Premium reduction is only allowed after paying 4 years of annual premiums. A premium reduction charge will apply for premium reduction made during the IIP.
  • A surrender charge applies if you surrender your policy during the IIP. 
  • The death benefit is the higher of the total premiums paid (including any top-ups and premium reduction top-up amount, less withdrawals) or the policy value, after applicable fees and charges (if any) have been deducted.
  • Coverage for Total and Permanent Disability benefit is up to age 70.
  • Term rider can be converted to a whole life, endowment, or investment-linked plan offering equivalent or similar coverage (which we make available for conversion from time to time at our absolute discretion), without further medical underwriting up to the current insured amount, provided that all conditions for conversion are met. Please refer to the policy contract for the full terms and conditions.

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.
AIA Pro Achiever 3.0 is a regular premium 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.
Any access to confidential and proprietary information via Guided Portfolios that may be developed by AIA is intended for your exclusive reference, for general information purposes only. This information is not, nor intended to be, investment advice and shall not be relied on as such. AIA via Guided Portfolios does not give any representations or warranties as to the accuracy of any information provided to you and does not accept any responsibility or liability for any loss or damage which you may suffer arising out of or in connection with your purchase. Where appropriate, you are encouraged to seek independent legal, tax and other professional advice.
This does not constitute an offer or a solicitation of an offer to buy or sell securities, commodities and/or any other financial instruments or products or constitute a solicitation on behalf of any of the investment managers, their affiliates, products or strategies the information of which may be contained herein. The contents and information contained herein have not been reviewed nor endorsed by the Monetary Authority of Singapore and/or any other regulatory authorities.
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).
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 ( or or
This advertisement has not been reviewed by the Monetary Authority of Singapore.
The information is correct as at 22 April 2024.