In today's fast-paced world, financial security is paramount. AIA Smart Flexi Rewards (II) is a innovative savings plan designed to help you reach your financial goals with ease and flexibility. This unique product adapts to your needs, allowing you to customize your savings journey according to your personal timeline. Whether you're a young professional looking to build wealth or a pre-retiree planning for your golden years, AIA Smart Flexi Rewards (II) offers a smart way to save effectively and secure your financial future.
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AIA Smart Flexi Rewards (II) is a participating regular premium endowment plan. As a participating plan, it offers both guaranteed and non-guaranteed benefits, potentially providing higher returns compared to non-participating plans. The regular premium structure allows you to build your savings systematically over time, fostering financial discipline. This type of plan is ideal for those who prefer a balanced approach to savings, combining the security of guaranteed benefits with the potential for additional returns through bonuses and dividends.
AIA Smart Flexi Rewards (II) offers a range of features that allow you to tailor your savings plan to your specific needs. From guaranteed maturity benefits to potential bonuses, this plan provides multiple ways to grow your wealth. Let's explore the key aspects of coverage customization available with this product.
Peace of Mind. Receive a guaranteed lump sum maturity benefit at the end of your policy term, ensuring a secure financial future.
Growth Potential. Enjoy the possibility of additional returns through non-guaranteed bonuses, which can significantly enhance your overall payout.
Track Record. While past performance doesn't guarantee future results, AIA's strong financial background provides confidence in the potential returns.
Market Influences. Non-guaranteed returns are subject to various factors, including market conditions and the performance of AIA's participating fund.
| Age | What suggestion covers | Premium |
|---|---|---|
| 25, Female making $3,333.333 a month | accident medical reimbursement $3,000 accidental death $250,000 accidental dismemberment and burns $250,000 accidental major dismemberment $750,000 accidental permanent total disability $750,000 additional payout for accidental death $250,000 ambulance services $200 broken bones $12,000 daily accidental hospital income $150 daily accidental icu $150 emergency medical evacuation and repatriation $25,000 tcm chiropractic medical reimbursement $750 | Not provided |
AIA Smart Flexi Rewards (II) offers a range of riders and additional benefits to enhance your coverage and provide extra financial protection. These options allow you to customize your plan to better suit your individual needs and circumstances. Let's explore the key riders and benefits available with this product.
Regular Rewards. Receive guaranteed yearly coupons from as early as the end of the 2nd policy year, which you can withdraw or accumulate for future use.
Secure Investment. Your capital is 100% guaranteed at the end of the policy term for 5-year and 10-year payment period options, ensuring the return of your total premiums paid.
Customizable Options. Choose from various premium payment and coverage periods, ranging from 5 to 30 years, to align with your financial goals.
Family Protection. Safeguard your family's financial future with a death benefit of at least 101% of total premiums paid, less coupons paid out.
Continued Coverage. Add riders to waive future premiums in case of critical illness diagnosis, ensuring your plan stays on track even in challenging times.
While AIA Smart Flexi Rewards (II) is designed for long-term savings, life can be unpredictable. Understanding the surrender value and partial withdrawal options is crucial for managing your policy effectively. This section outlines the key aspects of policy surrender and withdrawals, helping you make informed decisions about your savings plan.
Policy Worth. The surrender value is based on the guaranteed cash value, accumulated bonuses, and any unused coupons, less any outstanding amounts owed.
Flexible Access. You can make partial withdrawals from your accumulated coupons and bonuses, providing financial flexibility when needed.
Early Termination Costs. Be aware that surrendering your policy early may result in high costs, and the surrender value may be less than the total premiums paid.
AIA Singapore is committed to providing excellent customer service and a smooth claims process. For any inquiries or to file a claim, you can contact the AIA Customer Care Hotline at 1800 248 8000, available Monday to Friday from 8:45am to 5:30pm. Alternatively, you can visit the AIA Tower at 1 Robinson Road, Singapore 048542 during the same business hours. AIA's dedicated team is ready to assist you with policy-related questions, claims processing, and any other support you may need throughout your journey with AIA Smart Flexi Rewards (II).
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AIA Smart Flexi Rewards (II) is an excellent choice for individuals seeking a flexible and rewarding savings plan. This product is particularly well-suited for young professionals looking to build long-term wealth, families planning for future expenses, and pre-retirees aiming to supplement their retirement income. With its customizable features and potential for both guaranteed and non-guaranteed returns, AIA Smart Flexi Rewards (II) offers a balanced approach to achieving your financial goals.
and receive personalized perspectives on how AIA Smart Flexi Rewards (II) can fit into your financial plan. By consulting with multiple advisors, you'll gain valuable insights and options to make an informed decision. Plus, don't miss out on our exciting 'Premiums On Us' campaign – you could win your quarterly insurance premiums paid by Whatins! Take control of your financial future today and explore the possibilities with AIA Smart Flexi Rewards (II).
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