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AIA Vitality supports and motivates you every step of the way towards achieving your health goals. What’s more, get rewarded for healthy choices and earn points when you get active, eat well and complete Health Checks!
AIA Vitality is a comprehensive programme that motivates you to keep fit and helps you to manage your health.
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My AIA Perks
Refer a friend and receive up to S$1,000 shopping vouchers as a token of our appreciation for each successful referral.
To qualify as a successful referral, the Referred Person must take up a new AIA policy with a minimum annualized premium of S$50,000 within 3 months upon submission of the referral.
S$500 worth of shopping vouchers
S$1,000 worth of shopping vouchers
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terms and conditions
“AIA” refers to AIA Singapore Private Limited.
“AIA Altitude” refers to an AIA membership programme for clients who purchase AIA products with
total annualized premium of at least S$10,000.
“AIA Persons” refers to AIA, its associated persons/organizations, its and their third party
service providers and its and their representatives, whether within or outside Singapore.
“client” includes a prospective Eligible Customer.
“introducing activity” shall have the same meaning as that defined under Regulation 31 of the
Financial Advisers Regulations (“FAR”) issued pursuant to the Financial Advisers Act 2001
(“FAA”) and includes for the purposes of this Programme: (i) introducing any client who may or
are likely to have an interest in purchasing Eligible Products (defined below); and (ii)
recording the particulars of the client and forwarding such particulars to AIA with the client’s
“Programme” means the AIA Altitude Member-Get-Member Programme.
“Programme Period” refers to the period from 6 January 2023 to 31 March 2023, both
“Eligible Products” refers to AIA Platinum Retirement Elite, AIA Platinum Wealth Legacy, AIA
Platinum Wealth Elite, AIA Platinum Wealth Heritage, AIA Platinum Legacy (IX), AIA Platinum
Accidentcare, AIA Platinum Gift of Life Series, AIA Platinum Health, AIA Platinum Generations
(II), AIA Elite Secure Income, AIA Guaranteed Protect Plus, AIA Invest Easy, AIA Pro Achiever
2.0, AIA Pro Lifetime Protector, AIA Retirement Saver, AIA Smart Flexi Growth, AIA Smart Flexi
Rewards, AIA Smart Wealth Builder only.
Any individual who participates in this Programme shall be deemed to have accepted and agreed to be
bound by these T&Cs.
To qualify as an “Introducer” under the terms of this Programme, an individual:
must be an existing AIA Altitude Platinum or Pinnacle tier member;
residing in Singapore;
must not be an employee and/or Insurance Representative of AIA or its affiliates.
By performing any introducing activity under this Programme within the Programme Period, an
individual who qualifies as an “Introducer” under the terms of this Programme shall be deemed to
have agreed to be appointed by AIA to perform introducing activities on behalf of AIA in relation to
the Eligible Products for the duration of the Programme Period only, and declares to AIA that
is not carrying out of introducing activities as a full-time occupation;
understands that participation in this Programme does not imply, constitute or be deemed to
constitute a relationship of employer and employee between himself/herself and AIA;
is not a party to any other arrangement to carry out introducing activities;
is fully responsible for his/her own proper conduct;
will not get involved in the provision of any financial advisory service other than to the
extent of carrying out introducing activities on behalf of AIA under this Programme;
has read and understands the scope of introducing activities to be carried out;
will adhere to all other requirements set out in this T&Cs in relation to an Introducer.
To qualify as an “Eligible Customer” under the terms of this Programme, an individual must not be:
an AIA Altitude customer in the last 12 months preceding the date the Introducer forwards the
Eligible Customer’s particulars to AIA via the Introducing Page (defined below);
residing outside of Singapore;
from any jurisdictions where such introducing activities or Programme is restricted or not
To participate in the Programme, an Introducer must make a Successful Introduction (defined below)
of an Eligible Customer to AIA during the Programme Period by forwarding the Eligible Customer’s
particulars to AIA at
(“Introducing Page”) with the Eligible Customer’s consent.
The Introducer will be entitled to receive an Appreciation Reward (defined below) for every
Successful Introduction (defined below) made during the Programme Period. The amount of Appreciation
Reward (defined below) awarded will depend on the annualized premium of the Eligible Product
purchased by the Eligible Customer, in accordance with the table below. The total amount of
Appreciation Reward (defined below) that an Introducer can receive under this Programme is capped at
the total amount of Appreciation Reward (defined below) received after his/her 10th Successful
Introduction, or S$10,000, whichever is lower.
S$50,000 – S$99,000
S$500 worth of CapitaLand Vouchers
S$1,000 worth of CapitaLand Vouchers
A Successful Introduction is achieved when the Eligible Customer fulfils all the following criteria:
The Eligible Customer gives his/her consent to AIA to contact the Eligible Customer in relation
to this Programme and the Eligible Products;
The Eligible Customer applies for at least one Eligible Product with an annualized premium of
SGD50,000 or SGD100,000 (“Application”) via the AIA representative who contacts him/her in
relation to this Programme within 3 months of the Introducer forwarding his/her contact to AIA
via the Introducing Page;
The Eligible Customer’s Application is submitted after the Introducer forwards the Eligible
Customer’s particulars to AIA at Introducing Page;
The Eligible Customer’s Application is accepted by AIA;
The Eligible Customer’s policy arising from the Application is still in-force and has passed its
relevant free-look period at point of fulfillment; and
The Eligible Customer gives his/her consent to AIA to inform the Introducer of the purchase of
Eligible Product by the Eligible Customer for the purpose of determining the Introducer’s
The Introducer will receive the Appreciation Reward in the manner informed by AIA via My AIA SG app
by the 4th month of making the Successful Introduction.
must disclose to all clients that he/she:
is carrying out introducing activities for AIA;
when carrying out introducing activities, is not permitted to give advice or provide
recommendations on any investment product to the client, market any collective investment
scheme, or arrange any contract of insurance in respect of life policies, other than to the
extent of carrying out introducing activities;
will be remunerated by AIA for carrying out introducing activities; and the amount of
remuneration if so requested by the client. For avoidance of doubt, the Appreciation Reward
is deemed as renumeration for carrying out introducing activities under this Programme;
must ensure that each of the clients has, consented to the collection, use, disclosure, storage,
retention and processing of their personal data, permit and authorize the Introducer to forward
and transmit such client’s data to AIA (including personal data) and for AIA Persons to contact
them for the purpose of this Programme (“Consent”);
must, as soon as it is aware that a client has withdrawn his/her Consent, immediately inform AIA
of such withdrawal of Consent;
must agree to, and procure the client’s agreement to, the terms of the AIA Personal Data Policy
(Singapore) available at https://www.aia.com/en/privacy.
must use the Script (defined below) provided by AIA when carrying out its Introducing Activity;
undertakes to adhere to all relevant and applicable laws, in particular, the Personal Data
Protection Act 2012;
must ensure the compliance of all guidelines and directives issued by AIA from time to time
relation to conducting introducing activity under this Programme;
must not receive, handle, accept or deal with a client’s money or property in relation to
introducing activities or in carrying out his/her obligations under this Programme;
must not make any representation on behalf of AIA, give advice or provide recommendation in
respect of any insurance product to the client, or hold him/herself out as selling insurance or
investment products, handle or accept any premium, money or property from the client in relation
to any insurance product, nor except in respect of the Eligible Products, make express or
implied references to AIA or its group of companies whether orally or in writing, or use the
name, logo(s) or trademark(s) of AIA or its group of companies in any way without AIA’s prior
The Introducer must use the following Script when carrying out its Introducing Activity:
Factual Information on AIA
AIA Singapore Private Limited (“AIA”) is the largest life insurer in Asia. AIA strives to
elevate our customers wealth and optimise their well-being- We are committed to crafting a
personalised portfolio tailored to our customers’ Wealthbeing needs.
“AIA Altitude” is a membership programme for AIA customers who purchase AIA products with a
combined annualized premium of at least S$10,000 (Altitude tier), S$50,000 (Platinum tier),
and S$100,000 (Pinnacle tier). More information about AIA Altitude and it’s privileges at
AIA Insurance Representatives are trained to understand financial needs and circumstances,
using the Financial Health Check. This is to provide our customers with quality financial
advice and suitable recommendations to help fulfill our customers’ financial goals.
“I am introducing AIA Altitude and its privileges to you on behalf of AIA Singapore Private
Limited to help you understand more about this membership. In addition, I will be introducing
you to my AIA Insurance Representative to share more about what it means to be an AIA Altitude
member. The Insurance Representative will help you to identify your financial needs and provide
you with quality financial advice. He/She may recommend a product for your consideration. I will
receive CapitaLand Vouchers worth $500 or $1,000 from AIA should a purchase of at least S$50,000
or S$100,000 or more annualized premium of the eligible product(s) is made.
Please be informed that when carrying out introducing activities, I am not permitted to give
advice or provide recommendations on any investment product to you, market any collective
investment scheme, or arrange any contract of insurance in respect of life policies, other than
to the extent of carrying out introducing activities.”
If an Eligible Customer is introduced to AIA by more than 1 Introducer during the Programme Period,
the Appreciation Reward will be given to the first Introducer who had submitted the Eligible
Customer’s details on the Introducing Page. AIA’s determination on this is final and binding.
AIA reserves the right to decline or clawback the Appreciation Reward if AIA is of the opinion that
the Introducer had: a) acted fraudulently or dishonestly; or b) conducted himself / herself in bad
faith or otherwise in an inappropriate manner to gain an unfair advantage against AIA; or (c)
breached any of these T&Cs.
AIA shall not be responsible for the quality, merchantability or the fitness for any purpose or any
other aspect of the products and/or services provided by third parties and AIA shall not at any time
be responsible or held liable for any loss, injury, damage or harm suffered by or in connection with
the products and/or services provided by third parties. All disputes about quality or performance of
the product and/or services shall be resolved directly with the supplier of such products and/or
AIA reserves the right to substitute the Appreciation Reward with items of similar value at its
discretion without notice.
Participants of the Programme agrees to hold AIA and its directors, officers and employees (each an
“Indemnified Party”) harmless and keep each Indemnified Party fully and effectively indemnified from
and against any losses, costs, claims, damage and expenses whatsoever which any of them may incur
(directly or indirectly) as a result of any breach by the participants of any of its
representations, warranties, undertakings or obligations hereunder.
If any provision of these T&Cs is held to be invalid or unenforceable, then such provision shall (so
far as it is invalid or unenforceable) be given no effect and shall be deemed not to be included in
these T&Cs without invalidating any of the remaining provisions of these T&Cs.
AIA reserves the right in its sole and absolute discretion to withdraw or terminate this Programme
at any time without having to give any person any notice or reason.
AIA’s decision on all matters relating to this Programme (including the interpretation of these
T&Cs) will be final and binding on all persons and no appeals will be entertained. In the event of
any inconsistency between these T&Cs with any other form of publicity collaterals relating to the
Programme, these T&Cs shall prevail.
These T&Cs shall be governed by and construed in accordance with the laws of Singapore.
AIA may, at any time, in its sole discretion and without prior notice or liability to any person,
vary, modify and/or amend these T&Cs. Please review these T&Cs periodically for changes and updates.
To determine when these T&Cs were last revised, please refer to the “Last Revision Date” stated at
the end of these T&Cs.
Last Revision Date: 5 January 2023
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).