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  • AIA Retirement Saver (IV)

    Savings

    Period

    term

    Issue Age

    varies

    Currency

    S$

    You can buy this via

    AIA APPOINTED representative


    What This Product Is About

    Charting the perfect course towards your retirement dream is easier than you think. Rather than searching for the right plan to get you there, take charge with AIA Retirement Saver (IV) and discover endless possibilities for a retirement life worth dreaming about. So get started now – with no medical check-up required, it couldn't be simpler.

    • GOAL CALCULATOR GOAL CALCULATOR
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    • GET IN TOUCH

    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.

    What Does It Provide?

    • GUARANTEED MONTHLY INCOME FOR A STRESS-FREE RETIREMENT
      GUARANTEED MONTHLY INCOME FOR A STRESS-FREE RETIREMENT

      Enjoy the freedom to spend your retirement the way you want with a guaranteed stream of income over your choice of 15 or 20 years. Plus, every dollar that you contributed is guaranteed at your selected retirement age, so rest easy and look forward to the best years of your life!

    • FLEXIBILITY TO MAKE YOUR PLAN WORKS FOR YOU
      FLEXIBILITY TO MAKE YOUR PLAN WORKS FOR YOU

      Take charge of your retirement insurance plan by choosing how much monthly income you want to receive, as well as the age to begin receiving it (from as early as age 50).

    • ENJOY POTENTIAL GROWTH AND FUTURE RETURNS
      ENJOY POTENTIAL GROWTH AND FUTURE RETURNS

      This plan cushions your retirement dreams against the impact of inflation and enhances your monthly retirement income through potential monthly dividends that will increase by about 5% every year, starting from your selected retirement age. Plus, you may get a potential one-off dividend for your retirement funds or a small token for your family upon claim, maturity or surrender of policy. All in, you can expect an attractive potential yield of up to 4.17% p.a. upon policy maturity.

    • YOUR CHOICE OF PREMIUM TERM
      YOUR CHOICE OF PREMIUM TERM

      Choose to pay a lump sum as a single premium, or spread your premiums over a longer period (5 years, 10 years, or up to 5 years before your chosen retirement age) for regular, more affordable payments.

    • DEFER PAYMENT OF PREMIUMS
      DEFER PAYMENT OF PREMIUMS

      Enjoy 12 consecutive months of interest-free deferred premium with the Premium Pass Option, to ensure that your AIA Retirement Saver (IV) plan will not be disrupted if you’re retrenched.


    DON’T LET CRITICAL ILLNESS DELAY YOUR RETIREMENT

    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.


    • PREMIUM WAIVER RIDERS
      PREMIUM WAIVER RIDERS

      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.

    Sit back and discover the perfect course for your retirement

    GET IN TOUCH

    What’s your name?*

    What's your mobile number?

    Please select the right country code.

    What's your email address?

    Are you an existing AIA Singapore customer?*

    Drop us a question here:




    Thank You

    Partial NRIC / Passport / FIN No.

    (last 4 characters)

    Date of Birth


    THE FINE PRINT

    the terms and conditions at a glance
    • 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.

    DETAILED TERMS AND CONDITIONS

    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 suicide within 1 year from the policy issue date or reactivated date (whichever is later) and pre-existing conditions, for which 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.

    IMPORTANT NOTES

    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 brochure 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.

    Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.

    The information is correct as at 01 July 2021.

    CONTACT AIA

    1800 248 8000

    1 Finlayson Green
    Singapore 049246
    View Details

    BOOK AN APPOINTMENT

    GO TO

    AIA.COM

    Visit our corporate site to learn more about AIA.
    Go To
    CONTACT AIA

    1800 248 8000
     

    1 Finlayson Green
    Singapore 049246

    View Details

    BOOK AN APPOINTMENT

    GO TO

    AIA.COM

    Visit our corporate site to learn more about AIA.
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