Investment Linked Plan

AIA Invest Easy: Your Gateway to Flexible Investment

Are you looking for a way to invest your money that offers flexibility and potential for growth ? AIA Invest Easy might be the solution you're seeking. This comprehensive guide will walk you through everything you need to know about this investment-linked policy, helping you make an informed decision about whether it's right for your financial goals.

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What is AIA Invest Easy?

AIA Invest Easy is a single premium investment-linked policy offered by AIA Singapore Private Limited. It's designed to give you the opportunity to invest in one or more investment-linked policy sub-funds, allowing you to potentially grow your wealth over time. This plan is available for those using cash or funds from their Supplementary Retirement Scheme (SRS) account.

Key Features of AIA Invest Easy

Flexible Investment Options

Choose from a range of investment-linked policy sub-funds to suit your risk appetite and financial goals.

Single Premium Structure

Start your investment journey with a single lump sum payment.

Top-Up Options

Make additional investments through regular or ad hoc top-ups.

High Entry Age

Start this plan as late as age 80, with coverage lasting until age 100.

Worldwide Coverage

Your policy provides protection 24/7, anywhere in the world.

Why compare AIA Invest Easy with other Investment Linked Plan options through Whatins?

Traditional Approach

  • Limited to one company's fund options
  • Only hear about advisor's preferred funds
  • Single perspective on investment strategy

Whatins Advantage

  • Compare fund options across multiple insurers
  • Get different views on investment strategies
  • See how different advisors approach fund selection
  • Understand varied fee structures

In summary: If you want more control and multiple suggestions, then Whatins is the way to go.

Benefits Under the Plan

Death Benefit

In the unfortunate event of the insured's death, AIA will pay 100% of the policy value , less any applicable fees and charges.

First Year Accidental Death Benefit

If the insured dies within 90 days from an accident that occurs within the first year of the policy, AIA will pay the higher of: a) The Death Benefit, or b) 110% of the single premium paid plus total top-up premiums, less total withdrawals.

Maturity Benefit

When your policy matures at age 100, you'll receive the policy value, less any applicable fees and charges.

Premium Allocation and Minimum Amounts

For your initial single premium and any top-ups, 97% of the amount will be used to purchase units in your chosen ILP sub-funds. The remaining 3% is a Premium Charge.

Minimum Premium Amounts:

  • Single Premium: S$12,000
  • Regular Top-Up: From S$300 monthly to S$1,000 annually
  • Ad Hoc Top-Up: S$1,000

Fees and Charges

  1. Premium Charge: 3% of Single Premium and each Top-Up Premium
  1. Fund Management Charge: Varies by sub-fund (refer to AIA Investment Fund Product Summary)

Policy Flexibilities

Partial Withdrawal

Allowed after the free-look period, minimum S$1,000

Full Surrender

Available at any time

Fund Switching

Switch between different ILP sub-funds, minimum S$50

Automatic Fund Re-balancing

Opt for automatic rebalancing to maintain your desired fund allocation

Important Considerations

Free-look Period

You have 14 days to review and cancel the policy if you're not satisfied.

Termination

The policy terminates upon death claim, full surrender, maturity, or if the policy value becomes zero or negative.

Limitation of Benefit

In cases of suicide within the first year, material misrepresentation, or fraud, the benefit is limited to 100% of the policy value.

Investment Risks

The performance of ILP sub-funds is not guaranteed, and the value can rise or fall.

Dividend Distribution

Some funds may offer dividend options, but rates and frequency are not guaranteed.

Who Should Consider AIA Invest Easy?

This policy might be suitable for you if:

  • You have a lump sum to invest and want potential for growth
  • You're looking for investment flexibility with options to switch between funds
  • You want the added security of life coverage along with your investment
  • You're comfortable with the risks associated with investment-linked policies

Remember, AIA Invest Easy is a long-term commitment. Early termination may result in significant costs, and the surrender value may be less than the total premiums paid.

Final Thoughts

AIA Invest Easy offers a flexible way to invest your money while providing life coverage. However, like all investments, it comes with risks. The value of your investment can go up or down, and past performance doesn't guarantee future results.

Before making a decision, carefully consider your financial situation, goals, and risk tolerance. It's always wise to consult with a financial advisor who can provide personalized advice based on your individual circumstances.

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