AIA Retirement Saver (IV)

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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.

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

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

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

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

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

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

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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By providing your personal data and submitting this form, you consent to the collection, use, disclosure, processing and retention of your personal data by AIA Persons^[1] , for purposes of addressing your enquiry ("Purpose"), in accordance with AIA Personal Data Policy (Singapore) . You also consent to being contacted by AIA Persons^[1] via your provided contact details^[2] for such Purpose.

¹ "AIA Persons" refers to AIA Singapore Private Limited, its associated persons/organisations, its and their third-party service providers and its and their representatives, whether within or outside Singapore.

² If you have provided your mobile number, we will contact you via voice call and/or text message (e.g. SMS/MMS). If you have provided your email address, we will contact you via email.

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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

- 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.

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AIA Retirement Saver (IV)

term

varies

S$

AIA APPOINTED representative

What This Product Is About

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.

What Does It Provide?

GUARANTEED MONTHLY INCOME FOR A STRESS-FREE RETIREMENT

FLEXIBILITY TO MAKE YOUR PLAN WORKS FOR YOU

ENJOY POTENTIAL GROWTH AND FUTURE RETURNS

YOUR CHOICE OF PREMIUM TERM

DEFER PAYMENT OF PREMIUMS

DON’T LET CRITICAL ILLNESS DELAY YOUR RETIREMENT

PREMIUM WAIVER RIDERS