AIA Smart Wealth Builder Series

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Issue Age

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AIA APPOINTED REPRESENTATIVE

What This Product Is About

Goals are often drivers to why you work hard in life. Be it supporting your child through a good education, enjoy a fruitful retirement or simply to leave a legacy behind. With all these life goals, it is important to have a plan that makes your money work harder than you do, giving you the assurance that your financials can keep pace with whatever life goals you may have, even if they change along the way.

AIA Smart Wealth Builder series (AIA Smart Wealth Builder and AIA Smart Wealth Builder (II)) does just that for you. It is a series of savings plan that aims to magnify your savings while giving you the flexibility to withdraw the funds to support your goals as you reach different milestones in life.

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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. Applicable for AIA Smart Wealth Builder (II) in SGD only.

What Does It Provide?

Maximise Your Savings

Grow your savings for you and the generation after with potentially higher returns as you earn guaranteed cash value and non-guaranteed bonuses up to age 125.
100% Capital Guaranteed

Regardless of how the market performs, the total premiums that you have paid will be fully secured from the end of the 13^th (for AIA Smart Wealth Builder Plan in USD) or as early as the end of the 15^th (for AIA Smart Wealth Builder (II) in SGD) policy year.
Financial Flexibility

Save the way you want with the option to withdraw your savings to fund for key goals or to let your wealth accumulate in the long run.

Choose a premium payment term that best suits your needs – single premium, 5 and 10, 15 or 20 years.

Choice of saving your money in two currencies - SGD or USD.
Insurance Protection

Get long-lasting protection against Death, Total and Permanent Disability and Terminal Illness.
Policy Continuity

You may choose to appoint your spouse or child (below age 16) as the secondary insured, ensuring that should you pass on, the plan will continue without interruption. You may also appoint yourself if the plan is bought for your child or spouse.
Hassle-Free Application

No medical questions will be asked when you apply for AIA Smart Wealth Builder series.

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 Illnesses Premium Waiver Riders:

With the add-on of Early Critical Protector Payor Benefit (II) or Early Critical Protector Waiver of Premium (II), we’ll take care of the future premiums, should you be diagnosed with any of the covered illnesses.

GET IN TOUCH

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Are you an existing AIA Singapore customer?*

Drop us a question here:

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

This plan matures on the policy anniversary on which the original insured is age 125 (last birthday).
The amount of capital guaranteed is based on the annual premiums of the basic plan only and it is on the condition that all premiums are fully paid.
For the AIA Smart Wealth Builder (II) plan, 100% capital guaranteed will start at the end of the 15^th policy year for single premium, 5 or 10 years regular premium plan or 20^th and 25^thpolicy year for 15 or 20 years regular premium plan respectively.
AIA Smart Wealth Builder is a USD plan, available in single and 5 years premium payment term option.
Any partial withdrawal of the accrued bonuses will reduce the long-term value of the plan.
The secondary insured can only be appointed by the original policyholder. Upon the passing of the insured, no death benefit will be payable as the secondary insured will take over as the new insured (subject to approval by AIA). There will be no changes to the original premium payment term and policy term. Any optional riders that are attached will also be terminated unless premium waiver benefit has been activated. This feature is not applicable for SRS policy.
The death, total and permanent disability and terminal illness benefit will be the higher of 105% of total premiums paid OR (i) 101% of the guaranteed cash value and (ii) any bonuses which you have not surrendered, less any amounts owing to us. Your policy will terminate once any of the above has been paid out.
Total and permanent disability benefit will cease at age 70.
Critical Illnesses Premium Waiver Riders are add-on riders for AIA Smart Wealth Builder (II) only.

DETAILED TERMS AND CONDITIONS

- COLLAPSE + EXPAND

Exclusions

Things that you won’t be able to claim from this policy

There are certain conditions where no benefits will be payable. You are advised to read the relevant policy contract 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 is not a contract of insurance. The precise terms and conditions of these plans, including exclusions whereby the benefits under these plans may not be paid out, are specified in the policy contracts. You are advised to read the policy contracts. You are advised to read the policy contracts. You are recommended to read the product summary and seek advice from an AIA Financial Services Consultant for a financial analysis before purchasing a policy suitable to meet your needs.

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.

If you choose to receive payment from your AIA Smart Wealth Builder plan in any currency (including Singapore dollars) other than US dollars, our prevailing exchange rates shall apply. Any currency conversion is subject to currency exchange rate fluctuations, which may be highly volatile.

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 1 July 2021.

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AIA Smart Wealth Builder Series

Term

Varies

S$ / US$

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?

Maximise Your Savings

100% Capital Guaranteed

Financial Flexibility

Insurance Protection

Policy Continuity

Hassle-Free Application

DO YOU WANT ADDITIONAL PEACE OF MIND?