Build your life the way you want

AIA Smart Wealth Builder Series

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AIA Smart Wealth Builder Series

​​​​Tap into a​ series of savings plan​s​ ​​​aimed at wealth accumulation,​ ​​​with​ the flexibility to withdraw ​​funds to support your goals.





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​​​AIA Smart Wealth Builder in USD​​
​​​Total premiums paid will be fully secured from the end of the 13th policy year.​​
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​​​AIA Smart Wealth Builder (II) in SGD​​
​​​Total premiums paid will be fully secured from as early as the end of the 15th policy year.​​

Do you want additional peace of mind?

Additional options are available for you to customise your protection to make sure it suits your individual needs.

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

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

  • Your plan will mature on the policy anniversary on which the original insured is age 125 (last birthday).
  • The amount of capital guaranteed is based on the annual premiums of the basic plan only and it is on the condition that all premiums are fully paid. 
  • For the AIA Smart Wealth Builder (II) plan, 100% capital guaranteed will start at the end of the 15th policy year for single premium, 5 or 10 years regular premium plan or 20th and 25th policy year for 15 or 20 years regular premium plan respectively.
  • AIA Smart Wealth Builder is a USD plan, available in single and 5 years premium payment term option.
  • Any partial withdrawal of the accrued bonuses will reduce the long-term value of the plan. 
  • Upon the passing of the insured, no death benefit will be payable as the secondary insured will take over as the new insured (subject to approval by AIA). There will be no changes to the original premium payment term and policy term. Any optional riders that are attached will also be terminated unless premium waiver benefit has been activated. This feature is not applicable for SRS policy.
  • The death, total and permanent disability and terminal illness benefit will be the higher of 105% of total premiums paid OR (i) 101% of the guaranteed cash value and (ii) any bonuses which you have not surrendered, less any amounts owing to us. Your policy will terminate once any of the above has been paid out.
  • Total and permanent disability benefit will cease at age 70.
  • Critical Illnesses Premium Waiver Riders are add-on riders for AIA Smart Wealth Builder (II) only.

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 is not a contract of insurance. The precise terms and conditions of these plans, including exclusions whereby the benefits under these plans may not be paid out, are specified in the policy contracts. You are advised to read the policy contracts. 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. 
If you choose to receive payment from your AIA Smart Wealth Builder plan in any currency (including Singapore dollars) other than US dollars, our prevailing exchange rates shall apply. Any currency conversion is subject to currency exchange rate fluctuations, which may be highly volatile.
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 22 April 2024.