Chart your way towards your retirement dream

AIA Retirement Saver (IV)

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AIA Retirement Saver (IV)

Take charge of retirement planning with a retirement insurance plan that helps you live your desired lifestyle with no medical check-up required.





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​​Potential monthly dividends will increase by about 5% yearly from your selected retirement age and a one-time non-guaranteed terminal dividend upon claim, maturity or surrender of policy.​

Safeguard your retirement planning against critical illness

Should a critical illness like cancer or heart disease strike, ​it's important to be able to halt your plans and step away from work​​​​, so you can​ focus on getting back on your feet.

Protect your retirement dreams by adding on a Critical Protector Waiver of Premium (II) or Early Critical Protector Waiver of Premium (II) rider to take care of all your future premiums upon the diagnosis of any of the covered 72 major stage critical illness or 149 multi-stage critical illnesses respectively.

Save on income tax & invest with SRS for your retirement!

Enjoy tax relief with SRS contributions, and boost your funds with this plan to potentially earn more than the SRS account's nominal interest of 0.05% P.A.
Note: SRS refers to Supplementary Retirement Scheme, and all information relating to SRS is obtained from IRAS.

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Terms & conditions

  • The capital guaranteed at retirement age 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.
  • The potential monthly dividends (payable from the retirement age throughout the income payout period) are not guaranteed, depending on the experience of the participating fund. The increase is approximately 5% per year, assuming dividends are declared every year as projected in the policy illustration.
  • The Premium Pass Option is not applicable for single premium. This option can only be exercised once after the third policy year in the event of Involuntary Retrenchment, provided that the policy is in force and premiums have been fully paid for the first three years.
  • The total yield of 4.17% p.a. upon policy maturity is non-guaranteed and is based on the illustrated investment rate of return of 4.25% p.a. for a male non-smoker, aged 16, who chooses retirement age of 70 and income payout period of 20 years and pays a single premium. It is based on the assumption that all the retirement income and monthly dividends are also paid out. Based on the illustrated investment rate of return of 3.00% p.a., he can receive a total yield of up to 3.25% p.a. upon maturity.

These insurance plans are 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 these plans, including exclusions whereby the benefits under your policy may not be paid out, are specified in the relevant policy contracts. You are advised to read the policy contracts. 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. You may wish to seek advice from an AIA Financial Services Consultant for a financial analysis before purchasing a policy suitable to meet your needs.
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 30 January 2023.