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Maximum Maturity Age
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Premium Paying Term
Wealth can pay for many things - be it a lavish lifestyle, financial protection or even retirement. To protect your wealth, we offer you AIA Smart Wealth - A savings plan designed exclusively for you.
AIA Smart Wealth is a flexible plan that's designed to ensure you and your family stay protected through the peaks and valleys of life.
Long term protection for a short Premium Paying Term or a Single Premium | A growing Monthly Income at maturity
You only need to pay premiums for 4 years, 6 years or once as a Single Premium. You will remain protected for up to 20 years.
Collect your fund at maturity as a lump sum or receive an income for up to 30 years (or even opt to receive a portion as a lump sum and the balance as a monthly income).
Your financial commitment will give you Loyalty Rewards of up to 450% of the Annualised Basic Premium in the 15th and 20th year for 20 year Policy Terms and at maturity for 5, 10 and 15 year Policy Terms.
In the unfortunate event of your death, your dependants will immediately receive the Life Benefit .In addition, your beneficiaries will receive a maturity fund upon policy maturity, as you would have planned.
If you pass away or become totally or permanently disabled during the Premium Paying Term, AIA will continue your policy by paying your Basic Premium on your behalf. So your family will benefit from the fund you built for them.
You can withdraw up to 15% of your fund, in a one-time withdrawal during your Policy Term (After the Premium Paying Term).
With the Dividend Booster, AIA will boost your monthly income by paying 30% more than the declared dividend rate each year (if you opt for a Monthly Income).
Please note that some features mentioned here are not applicable for the Single Premium version of this product.
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.
You may cancel this insurance policy by returning it to us within twenty-one (21) days from the date you received it. We will pay your premiums back to you after deducting the expenses relating to your insurance policy.
If the 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;
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 Fund at the date on which we receive the notice of your death.
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.
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.
Any time after completion of the premium paying term, a one time withdrawal of 15% of the policy funds may be withdrawn.