Life Insurance
Protect your loved ones’ future from life’s uncertainties
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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.
Note: SRS refers to Supplementary Retirement Scheme, and all information relating to SRS is obtained from IRAS.
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!
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).
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.
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.
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.
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.
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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.
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.