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.

I am interested to find out more

ENQUIRE NOW

YOU MAY ALSO LIKE

Bonds

Exchange Traded Funds (ETFs)

Unit Trusts

GET IN TOUCH WITH US

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

+673 226 8588

[email protected]

trade

Equities

Exchange Traded Funds (ETFs)

Bonds

ABOUT US

invest

Unit Trusts

Investment-linked Life Insurance

tariffs

resources

Video Tutorials

Video Resources

FAQs

Terms and Conditions | Privacy Policy

Click to login to our user-friendly online portals.

b.Digital

Securities Trading

IMPORTANT NOTICE FOR BUSINESS I-BANKING USERS

A new change is coming

We will be introducing a new online business banking service, bringing new and improved features to enhance your experience with us. The new service will be rolled out to all customers in phases and our existing Baiduri Business i-Banking service will remain available to you, until such time you have been successfully migrated to the new service.

What you need to do now

To minimise any disruptions to the new service rollout, it is important that we have a record of the most current and valid details of all your existing Baiduri Business i-Banking user(s). This information is mandatory to allow your existing user(s) to proceed with first-time login to the new online business banking service.

Please take note that the email address and mobile number will also be used for user verification and activation. Hence it is important to provide emails and mobile numbers intended for company or business matters.

Every existing user must individually perform the steps listed below to provide the required information to us:

Login to Baiduri Business i-Banking
Click on the Inbox function on the top left corner of the screen
Click on ‘Send New Mail’
Select category option ‘Others’
Enter subject heading ‘Update My Details’
Provide your full name, IC number, mobile number and email address
Click ‘Submit’

If you have any further enquiries, please contact your Account Officer or Relationship Manager. Alternatively, you may call our 24-hour Customer Helpline at 244 9666 for assistance.

We thank you for your support and understanding.

Please select one of the below

Click here to login

Click here to login*

*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 our Customer Helpline at +673 2449666 or email us at [email protected]

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 and mobile number via BIB 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.

I have read and understood the notice above.

Proceed

Subscribe to our newsletter