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AIA Pro Lifetime Protector (II)

Get a protection and investment plan shaped to your family's needs, with coverage against death, disability and multi-stage critical illnesses.

Currency:

S$

Period:

Whole Life

Issue age:

0 - 70 Years Old

Benefits for you

All-round protection

​​​Enjoy comprehensive, customised protection with optional riders from as low as S$7 a day.​​

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Increase coverage at key milestones

Increase your basic coverage by up to S$200,000 without medical underwriting during key life milestones.

Guaranteed protection

Enjoy undisrupted protection in the first 10 years of your policy no matter how your investments perform.

Ready cash

​Get access to cash should the need arise after the 2nd year, without any charges.

Optimise your wealth for growth

​​​100% and 102% of your premiums are invested from the 5th and 10th policy year onwards respectively.​​

Expert investment guidance

​​​Enjoy exclusive access to guided portfolios that cater to your unique needs.

Learn more

More info

Total Disability Accelerator (II) rider
Receive up to 100% of basic coverage amount should total and permanent disability strike.
 
Total Critical Accelerator rider (II)
Receive your coverage amount from your basic policy should you suffer from any of the covered 73 major critical illnesses (up to age 100).
 
Lifetime Critical Cover rider
Be safeguarded against 150 multi-stage critical illnesses (up to age 100) with a power reset feature for multiple claims up to 300% of your coverage amount, and 15 special conditions.
 
Relapse Benefit rider
Add this to Lifetime Critical Cover rider and be protected if you suffer from any of the 5 relapsed critical illnesses.
 
Click here for more optional riders to supplement your coverage.

Enjoy exclusive access to 3 Guided Portfolios: Pro Adventurous, Pro Balanced, and Pro Cautious. Built on Mercer's insights, each portfolio suits varying risk appetites, investment horizons, and targeted returns.

Better Choice, Better Health

Make the choice towards better health than before with AIA Vitality, one of the most comprehensive wellness programmes in Singapore. Through a wide spectrum of tools and benefits that target different aspects of your health, AIA Vitality supports you to make positive behavioural changes that improve your overall wellness.
 
As an AIA Vitality member, you get to enjoy additional insurance coverage (known as PowerUp Dollar) and premium discounts on eligible riders. With PowerUp Dollar, you will get an additional 10% coverage on top of your basic coverage amount from policy inception without paying any extra premiums. Plus, add on the Lifetime Critical Cover rider and get another 10% coverage of the rider's sum assured!
 
As you improve your AIA Vitality status, you will receive even more PowerUp Dollar – which means more coverage for you without any additional costs! What's more, AIA Pro Lifetime Protector (II) also offers eligible riders on which you can get up to 15% discount on premiums as you boost your AIA Vitality status. So the higher your AIA Vitality status, the more you can save!
 
Please click here for further details.

Guaranteed peace of mind for every eventuality

Bolster your lifetime protection for yourself and/or your little one, with more optional riders.

 
Early Critical Protector Waiver of Premium (II) & Critical Protector Waiver of Premium (II)
Eligible future premiums of your AIA Pro Lifetime Protector (II) and eligible riders (if any) will be waived till the end of your rider term, upon diagnosis of any of the covered:
 
  • 149 early, intermediate or major stage critical illnesses with Early Critical Protector Waiver of Premium (II) rider, or
  • 72 major critical illnesses with Critical Protector Waiver of Premium (II) rider.

 
Child Critical Cover
Your child receives protection against 25 child medical conditions until age 21, after which you have the option to convert it into a lifelong plan that will give him/her guaranteed coverage through adulthood.
 
Early Critical Protector Payor Benefit (II) & Payor Benefit Comprehensive Special (II)
Eligible future premiums of your child's AIA Pro Lifetime Protector (II) and eligible riders (if any) will be waived up to his/her 25th birthday, upon diagnosis of any of the covered:
 
  • 149 early, intermediate or major stage critical illnesses, total and permanent disability or upon your passing with Early Critical Protector Payor Benefit (II) rider, or
  • 72 major critical illnesses, total and permanent disability or upon your passing with Payor Benefit Comprehensive Special (II) rider.

One-stop protection and investment solution to stay on top of your changing needs

Enjoy up to 25% off first year's premium when you sign up by 31 December 2024
Learn more

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More ways to keep you protected

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Terms & conditions

  • Coverage for Total Disability Accelerator (II) will end at age 70.
  • Lifetime Critical Cover rider will terminate upon payment of 300% of the coverage amount.
  • For the list of covered conditions, please refer to the respective product summaries.
  • The power reset feature will restore the coverage amount to 100% if the Lifetime Critical Cover rider is still in force for 12 months after the date of latest diagnosed critical illness or the relapsed critical illness (if Relapse Benefit rider was selected) where a claim on that critical illness has been filed and admitted by us.
  • Coverage for special conditions is up to age 85.
  • Premium of $7 is based on a 30-year-old male, non-smoker, purchases AIA Pro Lifetime Protector (II) - Max with Total Disability Accelerator (II) and Lifetime Critical Cover rider alongside the optional Relapse Benefit with a coverage amount of S$100,000 and selected Pro Balanced Portfolio.
  • Your policy and any unit-deducting riders will not lapse for the first 10 years regardless of investment performance, as long as all regular premiums are fully paid and no withdrawals have been made.
  • The actual policy value will depend on the actual performance of the policy as well as any alterations such as variation in the coverage amount or premium, such as premium holiday or partial withdrawals. There is a possibility that the policy value will fall to zero and in this case, policyholder can avoid the policy lapsing by topping up additional premium.
  • Mercer advises AIA on the strategic asset allocation for the 3 portfolios. Investors of these portfolios are clients of AIA, not Mercer.
  • PowerUp Dollar may increase or decrease at each policy anniversary depending on the insured's AIA Vitality status.

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ("AIA"). All insurance applications are subject to AIA's underwriting and acceptance.
 
AIA Pro Lifetime Protector (II) is an Investment-linked Plan (ILP) offered by AIA Singapore Private Limited, which invests in ILP sub-fund(s). Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s). You should seek advice from an AIA Financial Services Consultant and read the product summary and product highlights sheet(s) before deciding whether the product is suitable for you. A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your AIA Financial Services Consultant. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s).
 
This is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.
 
As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or 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 policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
 
This advertisement has not been reviewed by the Monetary Authority of Singapore.
 
Information is correct as at 30 January 2023.