AIA SmartRewards saver (II)

Savings

Period

term

Issue Age

0 - 65 years old

Currency

S$

You can buy this via

AIA APPOINTED representative

WHAT THIS PRODUCT IS ABOUT

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 plan helps you get into the good habit of putting aside money on a regular basis.

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what does it provide?

GUARANTEED CASH EVERY YEAR

From the end of the 2^nd policy year up to the 2^nd 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.
BONUSES TO GROW YOUR WEALTH FASTER

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.
A GENEROUS FINAL PAYOUT

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.
LIFE INSURANCE FOR YOUR FAMILY’S SECURITY

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.
PREMIUM WAIVER

You won’t have to make future payments if you are disabled before the age of 70.
OPTION TO PURCHASE ADDITIONAL INSURANCE

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.

insurance lingo explained

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.

DO YOU WANT ADDITIONAL PEACE OF MIND?

Additional options are available for you to customise your cover to make sure it suits your individual needs.

CRITICAL ILLNESS PROTECTION

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.
CRITICAL ILLNESS PREMIUM WAIVER

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.

Get up to 10% savings on your first year's premium!*

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* Offer is valid till 31 May 2019. Please refer here for the full terms & conditions.

Get in touch

Salutation*

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What's your phone number?*

Please select the right country code.

What's your email address?*

What's your NRIC?*

Are you an existing AIA Singapore customer?*

Drop us a question here:

THE FINE PRINT

the terms and conditions at a glance

Annual bonus and terminal bonus payable (if any) are non-guaranteed. Once credited to the policy, annual bonuses (if any) form part of the guaranteed benefits of the policy. Terminal bonus is a one-time, non-guaranteed, discretionary bonus that may be payable when you make a claim, choose to stop the policy or when the policy ends.
The option of purchasing an additional whole life or endowment plan is available to standard lives and must be exercised within 90 days following any of these events in the life of the insured before he/she turns 55: (a) 18^th birthday; (b) marriage; (c) birth of a child; (d) adoption of a child through legal means; (e) death of a spouse. The above condition (a) shall not apply if the insured is aged 18 and above when the policy is purchased.

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), for which no benefits will be payable. Please refer to the policy contract for on the full list of exclusions.

deferment period

A deferment period applies for premium waiver of your policy upon total and permanent disability. 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 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.

The information is correct as at 10 December 2018.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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AIA SmartRewards saver (II)

term

0 - 65 years old

S$

AIA APPOINTED representative

WHAT THIS PRODUCT IS ABOUT

Talk To Us

what does it provide?

GUARANTEED CASH EVERY YEAR

BONUSES TO GROW YOUR WEALTH FASTER

A GENEROUS FINAL PAYOUT

LIFE INSURANCE FOR YOUR FAMILY’S SECURITY

PREMIUM WAIVER

OPTION TO PURCHASE ADDITIONAL INSURANCE

insurance lingo explained

DO YOU WANT ADDITIONAL PEACE OF MIND?

CRITICAL ILLNESS PROTECTION

CRITICAL ILLNESS PREMIUM WAIVER

Get up to 10% savings on your first year's premium!*

Get up to 10% savings on your first year's premium!*

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Thank You

THE FINE PRINT

the terms and conditions at a glance

DETAILED TERMS AND CONDITIONS