Life coverage until age 100 , optional riders for disability and critical illness protection, coverage for up to 150 multi-stage critical illnesses (with appropriate riders)

Choose from professionally managed portfolios or select your own funds. 100% of premiums go into investments from the 5th year , increasing to 102% from the 10th year

Your policy won't lapse in the first 10 years, regardless of investment performance (conditions apply)

Option to increase basic coverage by up to S$200,000 during key life events without medical underwriting

Withdraw funds after the 2nd year without charges, if needed

Enjoy additional coverage and premium discounts by improving your health

Pays up to 100% of basic coverage if you become totally and permanently disabled (up to age 70)

Covers 73 major critical illnesses up to age 100

Protects against 150 multi-stage critical illnesses up to age 100, includes a Power Reset feature allowing multiple claims up to 300% of your coverage amount, covers 15 special conditions up to age 85

Add-on to Lifetime Critical Cover rider, protects against relapse of 5 specific critical illnesses

Protects your child against 25 child medical conditions until age 21, option to convert to lifelong coverage in adulthood

Early Critical Protector Waiver of Premium (II) rider and Critical Protector Waiver of Premium (II) rider available

Early Critical Protector Payor Benefit (II) rider and Payor Benefit Comprehensive Special (II) rider available

Professionally managed by AIA with insights from Mercer, a leading global investment consultant. Three options to suit different risk appetites: Pro Adventurous, Pro Balanced, and Pro Cautious. Annually reviewed and adjusted based on market outlook.

For more experienced investors who prefer to choose their own funds

Chris is diagnosed with colorectal carcinoma in-situ. He receives S$100,000 from the Lifetime Critical Cover rider. His coverage is restored to 100% after 12 months.

Chris suffers a heart attack. He receives another S$100,000 from the Lifetime Critical Cover rider. Again, his coverage is restored after 12 months.

Chris experiences a recurrent heart attack. Thanks to the Relapse Benefit rider, he receives another S$100,000. The Relapse Benefit rider then terminates.

Chris continues to enjoy protection against death, disability (up to age 70), and critical illnesses until age 100, while potentially benefiting from his investments.

Yes, you have the flexibility to switch between funds or adjust your investment approach.

The policy offers various options like premium holiday or partial withdrawals, but these may affect your coverage and investment value.

No, investment returns are not guaranteed and depend on the performance of your chosen funds.

Yes, you have the option to increase coverage at certain life milestones without medical underwriting.

Like most insurance policies, there are exclusions. For example, pre-existing conditions may not be covered. Always refer to the policy contract for full details.