​​Reach your financial goals flexibly

AIA Smart Flexi Rewards (II)

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AIA Smart Flexi Rewards (II)

Set aside a fixed amount regularly and enjoy flexible coverage options with a smart savings plan that builds towards the future you have in mind.





Issue age:

0 – 70 Years Old (WHERE, ENTRY AGE + POLICY TERM <= 90)

More info

Guaranteed yearly coupons can be withdrawn or left to accumulate, from as early as the end of the 2nd policy year until the year before your policy matures.​

​​​Lump sum maturity benefit includes a guaranteed maturity amount plus any accumulated coupons and bonuses that you have earned.​​

​​​Payment/Coverage period​​
  • ​​​5 years payment terms = 15 – 30 years coverage period​​
  • ​​​10 years payment terms = 20 – 30 years coverage period

Get in Touch

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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.
[3] If you have provided your mobile number, we will contact you via voice call and/or text message (e.g. SMS/MMS). If you have provided your email address, we will contact you via email.
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Terms & conditions

  • The guaranteed yearly coupon for premium payment term of 5-year and 10-year is 15% and 30% of the insured amount from the end of the 2nd year and 4th year respectively, while for the regular premium payment term is 40% of the insured amount from end of the 4th year.
  • Capital guarantee consists of the guaranteed yearly coupon received and the guaranteed maturity amount payable on the basic plan on the condition that premiums are fully paid. 100% capital guaranteed is applicable for 5-year and 10-year payment period options only. 
  • The death benefit will be the higher of 101% of the total premiums paid (less coupons paid out) or guaranteed cash value, plus any bonuses or coupons which you have not surrendered, less any amounts owing to us. Your policy will terminate thereafter.

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.