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Investment-linked Life Insurance

Protect your finances and make your money work with our investment-linked insurance plan
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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*Note: We are currently rolling out our new online business banking service, Baiduri b.Digital Business to existing customers in phases. For users who have not yet received their new login credentials, please continue to access the Business i-Banking service for your online banking needs. For more information, please contact us at [email protected] or call 2268 637/8/9 during business hours.

Important notice: Our Business i-Banking service will be deactivated soon. To ensure continued access and a smooth transition to the new Baiduri b.Digital Business, please provide your full name, IC, email address and mobile number via Business i-Banking Inbox. If we do not receive updated details from all authorised users, your company will not be migrated to the new platform and a fresh application will be required. For assistance, contact us at [email protected] or call 2268 637/8/9 during business hours. Thank you for your cooperation.
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