YOU ARE IN BAIDURI CAPITAL

Investment-linked Life Insurance
Invest and protect
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. 
I am interested to find out more

GET IN TOUCH WITH US

Contact our customer support team if you have any further questions. We are here to help you.

You are about to enter a third party website & Baiduri Bank Group's privacy policy will cease to apply.
Baiduri Bank Group makes no warranties as to the status of this link or information contained in the website you are about to access.

Do you wish to proceed?
Click to login to our user-friendly online portals.
Ooops!
Generic Popup