Investment-linked Life Insurance

An investment-linked insurance plan is a life insurance that combines investment and protection. Your premiums provide not only a life insurance cover, but part of the premiums will also be invested in specific investment of your choice, so you can protect your finances and make your money work harder at the same time.

Benefits

Higher Potential Returns

An ILP could potentially give you higher returns than other types of policies, such as endowments.

Premium holidays

You can ask for a temporary stoppage of premium payments. This does not terminate your ILP.

Flexibility in coverage

An ILP allows you to adjust your insurance coverage as required. However, increasing your coverage may require medical underwriting.

RISKS OF ILPs

Investment-Linked Life Insurance are subject to the following types of risks:

NO GUARANTEED RETURNS
Unlike some other insurance plans, ILPs do not guarantee any returns. This is why it is considered a higher risk product.

MAY HAVE TO REDUCE INSURANCE COVERAGE
Due to the way ILPs work, you may need to reduce your insurance coverage.

AIA Optimizer

3 AIA Investment funds to choose from: Conservative, Balanced and Growth
Optional riders for added protection at no fuss
Flexible modes of payment: Monthly, Quarterly, Semi-Annual or Annual
Top up your premiums anytime you wish and enjoy loyalty bonus
4 free funds switching per year
Best suited for those who want more flexibility in managing and growing their funds

AIA Investment Growth Plan (IGP)

Pay one lump sum amount with AIA IGP and get protected throughout your whole life whilst earning potential high returns.

3 AIA Investment funds to choose from: Conservative, Balanced and Growth
Surrender Benefit where the policy can be surrendered in full right after the policy is issued at no cost
Partial withdrawal facility, subject to maintaining certain policy values
One free fund switching per policy year

AIA Variable Investment Protector (VIP)

VIP offers the opportunity to enjoy flexible life insurance coverage while meeting the medium to long term investment goals. 3 AIA Investment funds to choose from: Conservative, Balanced and Growth
Optional riders for added protection at no fuss
Flexible modes of payment: Monthly or Annual
Partial withdrawal facility, subject to maintaining certain policy values

For full details, please refer to respective policy contracts, available upon request.

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