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Terms & conditions
- The coverage for death and total and permanent disability will cease at age 100 and age 70 respectively.
- Bonuses are non-guaranteed and will depend on the experience of AIA's participating fund. However, the annual bonuses once declared and credited to your policy will form part of the guaranteed benefits.
- Coverage for Special Conditions (1 claim per condition only, up to total 5 claims per policy) will cease at age 85. The payout is either an additional 20% of coverage amount or $25,000, whichever is lower.
- Refer to the respective Early Critical Protector Life (III) and Critical Protector Life (III) product summaries for the list of covered critical illnesses, special conditions, and other details including definitions and applicable exclusions.
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 Jan 2023.