AIA Smart Wealth Builder (II)

Build your life the way you want

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AIA Smart Wealth Builder (II)

One plan. Smarter savings. Put your wealth on autopilot – so it grows faster, stays flexible and supports every goal along the way.​

Currency:

S$

Period:

Term

Benefits for you

Maximised savings potential

​​​Gain potentially higher returns with guaranteed cash value and non-guaranteed bonuses up to age 125.​​

100% capital guaranteed

​​​Rest assured that your total premiums paid will be fully secured, regardless of how the market performs.​​

Learn more

Financial flexibility

​​​​​​​Enjoy the options to withdraw your savings to fund key goals or let your wealth accumulate steadily.​​

​​​Choice of premium terms and currency​​

​​​​Pay in SGD via single premium or spread payment over 5, 10, 15 or 20 years.​​​

​​​Assurance while you save​​

​​​Enjoy lifelong protection against death, total and permanent disability and terminal illness.​​

Policy continuity

​​​Name your spouse / child (under age 16) as secondary insured for coverage continuation should you pass on.

​​Guaranteed acceptance​​

​​Start your savings journey almost immediately with no health questions asked.

More info

AIA Smart Wealth Builder (II) in SGD​​
​​​The amount of capital guaranteed is based on the annual premium of the basic plan only and it is on the​ condition that all premiums are fully paid. 100% capital guaranteed will start at the end of the 15th policy​ year for single premium, 5 or 10 years regular premium plan or 20th and 25th policy year for 15 or 20​ years regular premium plan respectively.​

Do you want additional peace of mind?

Additional options are available for you to customise your protection to make sure it suits your individual needs.

With the add-on of Early Critical Protector Payor Benefit (II) or Early Critical Protector Waiver of Premium (II), we'll take care of the future premiums, should you be diagnosed with any of the covered illnesses.

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More ways to keep you protected

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By providing your personal data and submitting this form, you consent to the collection, use, disclosure, processing and retention of your personal data by AIA Persons[1], for purposes of addressing your enquiry ("Purpose"), in accordance with the AIA Personal Data Policy (Brunei)[2]. You also consent to being contacted by AIA Persons via your provided contact details[3] for such Purpose.
 
[1] "AIA Persons" refers to the Brunei Branch of AIA Singapore Private Limited and its associated individuals/organizations collect, use, disclose and retain your personal data.
 
 
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Terms & conditions

  • Your plan will mature on the policy anniversary on which the original insured is age 125 (last birthday).
  • The amount of capital guaranteed is based on the annual premiums of the basic plan only and it is on the condition that all premiums are fully paid. 
  • 100% capital guaranteed will start at the end of the 15th policy year for single premium, 5 or 10 years regular premium plan or 20th and 25th policy year for 15 or 20 years regular premium plan respectively.
  • Any partial withdrawal of the accrued bonuses will reduce the long-term value of the plan. 
  • Upon the passing of the insured, no death benefit will be payable as the secondary insured will take over as the new insured (subject to approval by AIA). There will be no changes to the original premium payment term and policy term. Any optional riders that are attached will also be terminated unless premium waiver benefit has been activated. This feature is not applicable for SRS policy.
  • The death, total and permanent disability and terminal illness benefit will be the higher of 105% of total premiums paid OR (i) 101% of the guaranteed cash value and (ii) any bonuses which you have not surrendered, less any amounts owing to us. Your policy will terminate once any of the above has been paid out.
  • Total and permanent disability benefit will cease at age 70.

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No: RFC20004468). All insurance applications are subject to AIA's underwriting and acceptance. This is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits under this plan may not be paid out, are specified in the policy contracts. You are advised to read the policy contracts.
 
Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid. You should consider carefully before terminating the policy or switching to a new one as there may be disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost.
 
This information is correct as at Feb 2026.