Life Insurance
Protect your loved ones’ future from life’s uncertainties
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AIA SmartRewards Saver (II) is a savings and protection plan that helps you plan for tomorrow while enabling you to live for today. You will receive cash to enjoy each year, without compromising your future plans.
A secure future shouldn’t come at the cost of life’s pleasures. This saving insurance plan helps you get into the good habit of putting aside money on a regular basis.
From the end of the 2nd policy year up to the 2nd last policy year, you will receive guaranteed annual coupons equal to 5% of the coverage amount, letting you live life to the fullest and grasp opportunities that come your way. You can even leave them with us to accumulate interest instead.
You will potentially receive annual bonuses to give your wealth an extra boost. A potential one-off bonus may also be payable when you make a claim, choose to stop the policy or at the end of the policy.
At the end of the policy, the 21-year plan will pay a guaranteed payout equal to 25% of your coverage amount while the 25-year plan will pay 5% of your coverage amount. You are guaranteed to receive at least 120% of the coverage amount over the life of the policy.
Should you pass away unexpectedly, your family will receive a payout equal to the higher of the coverage amount or the total annual premiums paid plus any bonuses, helping to ease their financial burden.
You won’t have to make future payments if you are disabled before the age of 70.
If your circumstances change down the road, you have the option of purchasing an additional whole life or endowment plan without having to undergo medical checkups, making it much easier for you to get more protection.
What do we mean by coupon?
It usually refers to a guaranteed cash sum which may be paid out on a regular basis during the duration of the policy.
What do we mean by whole life plan?
It offers a lifetime insurance protection. You pay premiums throughout your life, but this can be changed to a limited period. It will pay out the insured amount and any bonuses you have built up when you make a claim.
What do we mean by endowment plan?
It offers insurance protection and savings. It will pay out the insured amount and any bonuses you have built up when you make a claim, choose to stop the policy or at the end of the policy.
Additional options are available for you to customise your cover to make sure it suits your individual needs.
Add on Critical Protector Life to cover the major stages of critical illnesses, allowing you to focus on recuperation without having to worry about your finances.
Add on Critical Protector Waiver of Premium so you won’t have to worry about making your payments should a critical illness strike. Let us take care of it.
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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), for which no benefits will be payable. Please refer to the policy contract for the full list of exclusions.
A deferment period applies for premium waiver of your policy upon total and permanent disability. Please refer to the policy contract for details.
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 your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.
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.
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.
The information is correct as at 8 April 2019.