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Retirement
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  • AIA Easy Pensions Plus

    As easy as Tak Tik Tuk

    Maximum Maturity Age

    up to age 76 [NEXT BIRTHDAY]

    Issue Age 

    19-61 years [AT NEXT BIRTHDAY]

    You can buy this via

    aia wealth planner /AIA Financial Planning Executive

    Policy Term

    15, 20, 25 or 30 Years

    Premium paying term

    same as policy term


    Planning for retirement has never been this easy

    Retirement is imminent for almost everyone and yet, most of us don’t think about it until later in life. In hindsight, we wish we had. The fact is that it’s never too early to start planning for retirement.

    Whether it’s that dream trip around the world or quite simply securing a monthly income after you retire, to maintain the lifestyle you’re used to, there is no time like the present, to start saving. The sooner you can start, even if it's small sums of money each month, the more secured your retirement will be!

    With AIA Easy Pensions Plus, you can plan for your retirement in 3 simple steps! It’s as easy as Tak Tik Tuk!

    • GET IN TOUCH GET IN TOUCH
    • TALK TO US NOW TALK TO US NOW
      Talk to us now
    • Share with a friend Share with a friend
    • Download Brochure Download Brochure
    AIA Easy Pensions

    What's in it for me?

    • A Lump Sum at maturity or a Monthly Income: it’s your choice
      A Lump Sum at maturity or a Monthly Income: it’s your choice

      You can either take your full Maturity Benefit when the policy matures or opt for a monthly pension income for a period between 5-30 years. 

    • An attractive boost to your savings - our Loyalty Reward
      An attractive boost to your savings - our Loyalty Reward

      If you pay your premiums on time, you will get a Loyalty Reward of up to 8 times (800% ) of your annual basic premium, in the 15th year for 15 year Policy Term and 20th year for 20, 25 & 30 year Policy Terms (depending on the policy term and premium mode you choose). Your pension fund will earn dividends each year and continue to grow over time to help you to counter the effects of inflation.

    • A Life Insurance Benefit for the family, if you pass away
      A Life Insurance Benefit for the family, if you pass away

      In the unfortunate event of your death, your dependents will receive the Life Benefit to help them through hard times

    • An Accident Benefit for you or your family
      An Accident Benefit for you or your family

      The Accident Benefit will be helpful to your familyif you unfortunately pass away or become totally/partially disabled from an accident. 

    • AIA will build your Pensions fund if you no longer can
      AIA will build your Pensions fund if you no longer can

      If you pass away or become totally and permanently disabled during the Premium Paying Term, AIA Premium Protection Benefit will continue your policy by paying your premium on your behalf. Your family will benefit from the Pension Fund you built for them.

    • Flexibility to withdraw funds in an emergency
      Flexibility to withdraw funds in an emergency

      You can pull out up to 15% of your fund, in a one-time withdrawal during your Policy Term.

    • Packaged for your convenience
      Packaged for your convenience


      AIA Easy Pensions Plus offers a choice of 6 pension packages. The package you select will also include Life Benefit and Accident Benefit that will provide you with greater comfort knowing your family will be financially secured.

       

      Benefits 

      Package  1

      Package  2

      Package  3

      Package  4

      Package  5

      Package  6

      Life Benefit (Rs.)

      450,000

      600,000

      750,000

      900,000

      1,050,000

      1,200,000

      Accident Benefit (Rs.)

      675,000

      900,000

      1,125,000

      1,350,000

      1,575,000

      1,800,000

      Premium Protection Benefit (WOP)

      Yes

      Yes

      Yes

      Yes

      Yes

      Yes

      Critical Illness Benefit* (Rs.)

      100,000

      200,000

      300,000

      400,000

      500,000

      600,000

      Hospitalization Benefit* (Rs.)

      1,000

      2,000

      3,000

      4,000

      5,000

      6,000

      Health Lite Benefit* (Rs.)

      Up to

      300,000

      Up to

      500,000

      Up to

      750,000

      Up to

      750,000

      Up to

      1,000,000

      Up to

      1,000,000

      * These benefits are optional.

                 


      Health Lite Benefit can be selected from the 5 pre-designed packages as preferred.

    • Pensions Booster
      Pensions Booster

      The Pensions Booster is a unique feature introduced with AIA Easy Pensions Plus. AIA will boost your monthly pension with a dividend that is 30% higher  than the declared Annual Dividend Rate.

    • HEALTH LITE BENEFIT
      HEALTH LITE BENEFIT

      A pre-packed hospital expenses benefit to cover the medical expenses of you and your loved ones up to a value of LKR 1,000,000

    • Hospitalisation Benefit
      Hospitalisation Benefit

      A daily cash income of up to LKR 6,000 per day if you get hospitalised  for over 3 days, so that you can cover your daily expenses.

    • Critical illness Benefit
      Critical illness Benefit

      A Critical illness Benefit of up to LKR 600,000 to protect yourself financially against 22 critical illnesses including cancer, heart attack, stroke and kidney failure.

    insurance terms explained

    What does "Total and Permanent Disability" mean?

    Total and Permanent Disability means you are disabled and unable to work or earn money for the rest of your life. 


    What do we mean by "critical illness protection"?

    In an unfortunate event of diagnosis of a covered critical illness such as cancer, AIA provides you with cash compensation for heavy medical expenses to ease your burden, and face difficulties together.



    THE FINE PRINT

    the terms and conditions at a glance

    If the Life Assured is not the Policy Owner the benefits provided by this policy will be applicable to the Policy Owner, whilst the covers are applicable to the Life Assured. This page is only a product overview. For full product details please refer the policy document.


    DETAILED TERMS AND CONDITIONS

    DETAILED TERMS AND CONDITIONS
    - COLLAPSE + EXPAND

    Cooling Off Period

    You may cancel this insurance policy by returning it to us within twenty one (21) days from the date you received it. Then We will pay your premiums back to you after deducting the expenses relating to your insurance policy.

    General Exclusions applicable for all Benefits under this policy

    If Life Assured commit suicide (while in sound mind or otherwise) during the first year of the policy or the re-instatement;

    We will pay the premiums you have paid after deducting the  expenses relating to your insurance policy;

    or

    Where the policy is assigned to a third party if the third party proves that there isn’t any other way to recover the money paid for the assignment, We will make that payment to him (but not more than the amount payable upon your death)   

    We will pay only the Surrender Value, if the death of the Life Assured was resulted due to the Life Assured taking part or while trying to take part in any war, invasion, act of foreign enemies, hostilities or war like operations, civil war, mutiny, riot, strike, civil commotion assuming the proportions of or amounting to a popular uprising, military uprising, insurrection, rebellion, military or usurped power or any act of any person acting for any organization which works with the aim to forcibly remove any government from power by terrorism or violence.

    If the reason for the death claim was Acquired immunodeficiency syndrome (AIDS) or human immunodeficiency virus (HIV) we will only pay  the balance of the Investment Account as it was on the date on which We receive the notice of your death.

    Grace PERIOD

    During the first three policy years if you do not pay your premiums on the due date you will have an additional thirty (30) days to pay premiums.

    Waiting Period

    After the policy begins there will be a waiting period of 3 months to enjoy the additional health benefits. For Angioplasty benefit this period will be for 12 months.

    Annual Dividends Rate

    A rate declared by the Company for each year that will be used as the basis to credit dividend to the Investment Account. The Annual Dividend Rate applicable for the previous year will be declared during the first six (6) months of the current year.A Guaranteed Dividend Rate declared by the Company that will be used as the basic for any benefit calculated based on the Investment Account balance until the Annual Dividend Rate for the respective year is declared. The Guaranteed Dividend Rate for the following year will be declared during the last three (3) months of the current year.

    Emergency Withdrawal

    You can take away upto 15% of the Investment Account balance after your policy obtained the surrender value.

    Other Products for your selection

    AIA SMART PENSIONS

    Retirement

    Live like this even after retirement

    +94 11 2310310

    AIA Tower, 92, Dharmapala Mawatha
    Colombo 07
    Sri Lanka.

    Fax : (+94) 11 4715892

    Email : lk.info@aia.com

     

    Contact AIA

    +94 11 2310310
     

    AIA Tower, 92, Dharmapala Mawatha
    Colombo 07
    Sri Lanka.

    Fax : (+94) 11 4715892

    Email : lk.info@aia.com

    go to

    AIA.COM

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    GO TO

    AIA.COM

    Visit our corporate site to learn more about AIA.

    Explore AIA

    Our Products

    How to lodge a complaint

    About AIA

    Media Centre
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