Reach your financial goals flexibly

AIA Smart Flexi Rewards (II)

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AIA Smart Flexi Rewards (II)

​​Build a flexible​ ​savings ​plan according to ​your preferred savings timeline,​ payment and coverage period,​ with the option to withdraw or accumulate the yearly guaranteed coupon.​ 





Issue age:

2 weeks - 70 Years Old

More info

Payment and Coverage period
  • 5 years payment terms = 15 – 30 years coverage period
  • 10 years payment terms = 20 – 30 years coverage period
  • 15 – 30 years payment terms = Same as premium payment period

Add on to your protection with optional riders

Additional options are available with your flexible savings plan to make sure it suits your individual needs.

Future premiums of your AIA Smart Flexi Rewards (II) plan and eligible riders (if any) will be waived, upon diagnosis of any of the covered:
  • 149 early, intermediate, or major stage critical illnesses with Early Critical Protector Waiver of Premium (II) rider; or
  • 72 major critical illnesses with Critical Protector Waiver of Premium (II) rider

We will also waive future premiums of your child's AIA Smart Flexi Rewards (II) plan and eligible riders (if any) up to his/her 25th birthday, upon diagnosis of any of the covered:
  • 149 early, intermediate, or major stage critical illnesses, total and permanent disability, or upon your passing with Early Critical Protector Payor Benefit (II) rider

Get in Touch

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Terms & conditions

  • The guaranteed yearly coupon for premium payment term of 5-year and 10-year is 15% and 30% of the insured amount from the end of the 2nd year and 4th year respectively, while for the regular premium payment term is 40% of the insured amount from end of the 4th year.
  • Capital guarantee consists of the guaranteed yearly coupon received and the guaranteed maturity amount payable on the basic plan on the condition that premiums are fully paid. 100% capital guaranteed is applicable for 5-year and 10-year payment period options only. 
  • The death benefit will be the higher of 101% of the total premiums paid (less coupons paid out) or guaranteed cash value, plus any bonuses or coupons which you have not surrendered, less any amounts owing to us. Your policy will terminate thereafter.
  • Riders are subject to medical underwriting.

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 this plan may not be paid out, are specified in the policy contract. You are advised to read the policy contract. You are recommended to read the product summary and seek advice from an AIA Financial Services Consultant for a financial analysis before purchasing a policy suitable to meet your needs.
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 30 January 2023.