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AIA Pro Lifetime Protector (II)

Get a protection and investment plan shaped to your family's needs, with coverage against death, disability and multi-stage critical illnesses.



Issue Age:

0 - 70 Years Old


Whole Life

More info

Total Disability Accelerator (II) rider
Receive up to 100% of basic coverage amount should total and permanent disability strike.
Total Critical Accelerator rider (II)
Receive your coverage amount from your basic policy should you suffer from any of the covered 73 major critical illnesses (up to age 100).
Lifetime Critical Cover rider
Be safeguarded against 150 multi-stage critical illnesses (up to age 100) with a power reset feature for multiple claims up to 300% of your coverage amount, and 15 special conditions.
Relapse Benefit rider
Add this to Lifetime Critical Cover rider and be protected if you suffer from any of the 5 relapsed critical illnesses.
Click here for more optional riders to supplement your coverage.

Enjoy exclusive access to 3 Guided Portfolios: Pro Adventurous, Pro Balanced, and Pro Cautious. Built on Mercer's insights, each portfolio suits varying risk appetites, investment horizons, and targeted returns.

One-stop protection and investment solution to stay on top of your changing needs

Achieve your well-being

Enjoy 5% discount when you sign up by 31 July 2024. T&Cs apply.

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Terms & conditions

  • Coverage for Total Disability Accelerator (II) will end at age 70.
  • Lifetime Critical Cover rider will terminate upon payment of 300% of the coverage amount.
  • For the list of covered conditions, please refer to the respective product summaries.
  • The power reset feature will restore the coverage amount to 100% if the Lifetime Critical Cover rider is still in force for 12 months after the date of latest diagnosed critical illness or the relapsed critical illness (if Relapse Benefit rider was selected) where a claim on that critical illness has been filed and admitted by us.
  • Coverage for special conditions is up to age 85.
  • Premium of $7 is based on a 30-year-old male, non-smoker, purchases AIA Pro Lifetime Protector (II) - Max with Total Disability Accelerator (II) and Lifetime Critical Cover rider alongside the optional Relapse Benefit with a coverage amount of S$100,000 and selected Pro Balanced Portfolio.
  • Your policy and any unit-deducting riders will not lapse for the first 10 years regardless of investment performance, as long as all regular premiums are fully paid and no withdrawals have been made.
  • The actual policy value will depend on the actual performance of the policy as well as any alterations such as variation in the coverage 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, policyholder can avoid the policy lapsing by topping up additional premium.
  • Mercer advises AIA on the strategic asset allocation for the 3 portfolios. Investors of these portfolios are clients of AIA, not Mercer.
  • PowerUp Dollar may increase or decrease at each policy anniversary depending on the insured's AIA Vitality status.

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 Pro Lifetime Protector (II) is an Investment-linked Plan (ILP) offered by AIA Singapore Private Limited, which invests in ILP sub-fund(s). 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). You should seek advice from an AIA Financial Services Consultant 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. 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).
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.
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.
Information is correct as at 30 January 2023.