AIA Guaranteed Protect Plus (II)

Savings

Period

Whole Life

Issue Age

AIA Guaranteed Protect Plus (II): 0-70 years

AIA Guaranteed Protect Plus (II) Special: 0-55 years

Currency

S$

You can buy this via

AIA APPOINTED REPRESENTATIVE

WHAT THESE PRODUCTS ARE ABOUT

AIA Guaranteed Protect Plus (II) is designed as an affordable one-stop solution that offers boosted protection and guaranteed cash value accumulation based on your needs. Its unique multiplier feature gives you the ability to boost your coverage up to 5 times, giving you the protection when you need it most.

AIA Guaranteed Protect Plus (II) Special provides an essential bundle of death and total and permanent disability as well as additional critical illness coverage, so you can take the first step towards a well-rounded protection with guaranteed cash value accumulation.

GET IN TOUCH

what does it provide?

CHOOSE YOUR PREFERRED TYPE OF COVERAGE

The AIA Guaranteed Protect Plus (II) provides coverage for death and total and permanent disability, and allows you to boost this coverage by 2X, 3X or 5X for greater financial assurance up to age 65 or 75. You may add on critical illness rider/s to further bolster your overall protection.

The AIA Guaranteed Protect Plus (II) Special provides coverage for death, total and permanent disability and additional critical illness coverage all in one plan. Choose your preferred additional critical illness coverage till age 65, 75 or 100:

Major stage critical illness (covers 43 conditions), and/or

Multi-stage critical illness (covers 104 conditions) plus 5 special conditions such as osteoporosis and diabetic complications
LIMITED PAYMENTS FOR LASTING PROTECTION

Select from 3 premium payment options to better suit your budget. You can make payments over 12 years, 20 years or till age 65 or 75.
GUARANTEED FINANCIAL SECURITY

Your plan will accumulate cash value and potential bonuses over time, allowing you to save while you protect you and your loved ones.
CELEBRATE LIFE’S MILESTONES

Upon reaching a major milestone in life such as marriage or the birth of your little one, you have the option to purchase another whole life or endowment policy easily with no medical questions asked.
HEALTHY LIVING REWARDS WITH AIA VITALITY

AIA Vitality, our innovative wellness programme, helps you on your journey to better health by rewarding you for every healthy choice you make. As an AIA Vitality member, you get to enjoy free additional coverage up to 25% on top of your boosted coverage amount for AIA Guaranteed Protect Plus (II), known as PowerUp Dollar. Your PowerUp Dollar may change every year based on your AIA Vitality status.

With AIA Guaranteed Protect Plus (II) Special, you get to enjoy up to 15% discount on future premiums of eligible riders.

DO YOU WANT ADDITIONAL PEACE OF MIND?

Additional options are available for you to customise your cover to suit your individual needs and protection needs for the family.

CRITICAL ILLNESS PROTECTION

AIA Guaranteed Protect Plus (II)
Supplement your protection with critical illness add-ons that provide the comfort of financial assistance when a critical illness strikes, giving you the confidence to focus on recovery.

Early Critical Cover Extra or Early Critical Protector Life (II) – Covers 104 multi-stage critical illnesses and special conditions such as osteoporosis and diabetic complications. When you buy this plan for your little one, this add-on will automatically come with Child Critical Cover which protects your child against 16 child critical illnesses and 9 child special conditions such as ADHD, Autism and Dyslexia.

Critical Cover Extra or Critical Protector Life (II) – covers 43 major stage critical illnesses till age 100.

AIA Guaranteed Protect Plus (II) Special
While you have critical illness coverage already bundled in your plan, you can further boost it with Critical Protector Life (II) rider to draw an advance payout from the death benefit, if you are diagnosed with any of the covered 43 major stage critical illnesses until age 100.
Premium Waiver Riders

You can also choose to cover your future premiums with Critical Protector Waiver of Premium and Early Critical Protector Waiver of Premium respectively should critical illness happen so that you will remain protected against the odds.

How can I ensure that my family is fully covered?

Get in touch

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THE FINE PRINT

the terms and conditions at a glance

The coverage for death and total and permanent disability will cease at age 100 and age 70 respectively.
Coverage for Special Conditions (1 claim per condition only) will cease at age 85. The payout is either an additional 20% of coverage amount or $25,000, whichever is lower.
Bonuses are non-guaranteed and will depend on the experience of AIA’s participating fund. However, the annual bonuses once declared and credited to your policy will form part of the guaranteed benefits.
Benefit to purchase another whole life or endowment plan can only be exercised once and will cease at age 55. All existing exclusions will apply to the new policy. Please refer to the product summary for more details.
PowerUp Dollar may increase or decrease depending on the insured’s AIA Vitality status as at 45 days before each policy anniversary.
15% discount is only applicable to premiums based on a standard life. Discount is not applicable to any extra premiums due to loading. Discount applicable from the second policy year onwards will depend on the AIA Vitality Status attained. The discount is capped at 15%. The eligible riders are Early Critical Cover Extra, Critical Cover Extra, Early Critical Protector Waiver of Premium and Early Critical Protector Payor Benefit.
The list of critical illnesses, special conditions and other details including definitions and applicable exclusions under the Early Critical Protector Life (II), Critical Protector Life (II), Early Critical Cover Extra, Critical Cover Extra, Critical Protector Waiver of Premium and Early Critical Protector Waiver of Premium product summary can be found in their respective product summaries.
Child Critical Cover provides added coverage against 16 child critical illnesses (maximum 1 claim) and 9 child special conditions (1 claim per condition only, up to maximum of 5 claims) will cease at age 21. Child special condition benefit terminate upon any child critical illness claim. Please refer to the respective supplementary benefit (rider) product summary for full details.
The Premium Waiver Riders that can be added will depend on the Critical Illness Riders in your plan.

DETAILED TERMS AND CONDITIONS

- COLLAPSE + EXPAND

EXCLUSIONS

Things that you won't be able to claim from this policy

There are certain conditions such as pre-existing conditions, whereby no benefits will be payable. Waiting period and survival period are applicable before the critical illness benefits will be payable. You are advised to read the relevant policy contracts for details.

DEFERMENT PERIOD

A deferment period applies for total and permanent disability for which no benefits will be payable. Please refer to the policy contract for details.

IMPORTANT NOTES

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 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. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare 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 (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.

This information is correct as at 13 July 2020.

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AIA Guaranteed Protect Plus (II)

Whole Life

AIA Guaranteed Protect Plus (II): 0-70 years

AIA Guaranteed Protect Plus (II) Special: 0-55 years

S$

AIA APPOINTED REPRESENTATIVE

WHAT THESE PRODUCTS ARE ABOUT

Talk To Us

what does it provide?

CHOOSE YOUR PREFERRED TYPE OF COVERAGE

LIMITED PAYMENTS FOR LASTING PROTECTION

GUARANTEED FINANCIAL SECURITY

CELEBRATE LIFE’S MILESTONES

HEALTHY LIVING REWARDS WITH AIA VITALITY

DO YOU WANT ADDITIONAL PEACE OF MIND?

CRITICAL ILLNESS PROTECTION

Premium Waiver Riders

How can I ensure that my family is fully covered?