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  • AIA Smart Wealth

    Savings

    Maximum Maturity Age

    up to age 76 [NEXT BIRTHDAY]

    Issue Age

    Age 19 - 61 [Next Birthday]

    You can buy this via

    AIA wealth planner/Financial Planning Executive

    Premium Paying Term

    4 YEARS, 6 YEARS OR AS A SINGLE PREMIUM

    Policy Term

    20 YEARS OR 15 YEARS FOR 6 YEAR PREMIUM PAYING TERM, 20 YEARS OR 10 YEARS FOR 4 YEAR PREMIUM PAYING TERM AND 10 YEARS OR 5 YEARS FOR SINGLE PREMIUM


    What this product is about

    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 

    • 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 Smart Wealth - a smart decision that leads to a lifetime of enjoyment

    A PLAN THAT CREATES, MANAGES AND PROTECTS YOUR WEALTH

    The smart decision that leads to a lifetime of enjoyment

    what does it provide?

    • LONG TERM PROTECTION FOR A SHORT PREMIUM PAYING TERM OR A SINGLE PREMIUM
      LONG TERM PROTECTION FOR A SHORT PREMIUM PAYING TERM OR A SINGLE PREMIUM

      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.

    • A Lump Sum at maturity or a Monthly Income
      A Lump Sum at maturity or a Monthly Income

      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).

    • ATRRACTIVE LOYALTY REWARDS
      ATRRACTIVE LOYALTY REWARDS

      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.

    • A Life Insurance Benefit and a Maturity Fund for your family, if you pass away
      A Life Insurance Benefit and a Maturity Fund for your family, if you pass away

      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. 

    • A Maturity Fund even if you get permanently disabled
      A Maturity Fund even if you get permanently disabled

      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.

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

      You can withdraw up to 15% of your fund, in a one-time withdrawal during your Policy Term (After the Premium Paying Term).

    • A monthly income enriched with a Dividend Booster
      A monthly income enriched with a Dividend Booster

      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.



    the fine print

    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. 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 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;

    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 Fund at 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.

    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

    Any time after completion of the premium paying term, a one time withdrawal of 15% of the policy funds may be withdrawn.

    Other Products for your selection

    AIA Education Plan

    Savings

    Plan your child's future early with AIA Education Plan - your child's passport to a brighter future.

    +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

    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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    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
    Careers

    Copyright © 2016, AIA Group Limited and its subsidiaries. All rights reserved.
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