In today's fast-paced world, financial stability is more than just saving money—it's about saving smart . Whether you're a millennial dreaming of your first home or a pre-retiree planning for your golden years, having a flexible savings plan that adapts to your unique goals is crucial. That's where AIA Smart Flexi Rewards (II) comes in, offering a tailored approach to help you reach your financial aspirations with ease and confidence.
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AIA Smart Flexi Rewards (II) is an innovative savings plan designed for the modern go-getter . It allows you to organize your financial strategy according to your personal timeline and savings goals. With customizable payment and coverage periods , this plan puts you in control of your financial future, letting you focus on living life to the fullest while AIA takes care of the worrying.
Enjoy the fruits of your labor with guaranteed yearly coupons starting as early as the end of the 2nd policy year . You have the flexibility to withdraw these coupons annually for life's little pleasures or accumulate them for long-term goals.
Plan your future with confidence, knowing you'll receive a lump sum maturity benefit at the end of your policy term . This includes a guaranteed maturity amount plus any accumulated coupons and bonuses.
Your capital is 100% guaranteed at the end of the policy term , ensuring that regardless of market conditions, the total premiums you've paid are fully secured.
Customize your plan with a choice of premium payment terms:br>- 5 years payment for 15 to 30 years coveragebr>- 10 years payment for 20 to 30 years coveragebr>- 15 to 30 years payment with coverage matching the payment period
Safeguard your family's financial future with a death benefit, providing peace of mind alongside your savings goals.
| Age | What suggestion covers | Premium |
|---|---|---|
| 24, Female making $3,333.333 a month | coupon payout $4,680 non guaranteed value $4,075 guaranteed value at maturity $7,920 | $2,400 |
Meet Daniel, a 26-year-old aspiring millennial looking to build his savings: - Chooses to save S$500 monthly for 10 yearsbr>- Selects a 20-year policy termbr>- Opts to withdraw yearly coupons of S$1,713 from the 4th yearbr>- Adds the Early Critical Protector Waiver of Premium (II) riderbr>br>b>Daniel's Benefits: br>- Receives S$27,408 in total guaranteed yearly coupon payoutsbr>- At age 46, receives a maturity payout of S$51,874 (S$32,547 guaranteed + S$19,327 non-guaranteed)br>- Total payout over the policy term: S$79,282
Meet Roy, a 45-year-old engineer planning for retirement: - Saves S$12,000 annually for 5 yearsbr>- Chooses a 30-year policy termbr>- Accumulates yearly coupons of S$1,822.50 until retirement at 60br>- Withdraws accumulated coupons at retirement and receives remaining coupons annuallybr>br>b>Roy's Benefits: br>- Withdraws S$30,618 in accumulated coupons at age 60br>- Receives S$25,515 in yearly coupons from age 61 to 74br>- At age 75, receives a maturity payout of S$64,193 (S$12,758 guaranteed + S$51,435 non-guaranteed)br>- Total payout over the policy term: S$120,326
Flexibility: Tailor your savings plan to your unique timeline and goals.
Guaranteed Returns: Enjoy peace of mind with guaranteed yearly coupons and capital guarantee.
Long-term Growth: Potential for higher returns through non-guaranteed bonuses.
Life Protection: Built-in life coverage to protect your loved ones.
Optional Enhancements: Add riders for critical illness protection and to secure your child's future.
Easy Start: No health check-up required, allowing you to begin your savings journey immediately.
The plan comes with certain conditions, such as suicide exclusion within the first year.
Guaranteed yearly coupons vary based on the premium payment term (15%, 30%, or 40% of the insured amount).
Capital guarantee applies only to 5-year and 10-year payment period options.
Early termination may result in high costs and potentially zero or less than total premiums paid as surrender value.
It's best to consult with AIA directly about policy adjustment options.
There may be a grace period, but consistent payments are crucial to maintain your benefits.
This would typically require a new policy or rider. Consult with AIA for specific options.
While not guaranteed, AIA has a strong track record. However, actual bonuses depend on fund performance.
It pays the higher of 101% of total premiums paid (less coupons paid out) or guaranteed cash value, plus any bonuses or unclaimed coupons.
AIA Smart Flexi Rewards (II) offers a unique blend of flexibility, guaranteed returns, and potential for growth , making it an attractive option for those looking to save smartly for their future. Whether you're starting your career or planning for retirement, this plan can be tailored to fit your specific needs and timeline.
Remember, while the plan offers many benefits, it's important to carefully consider your financial situation and long-term goals before committing. The power of this plan lies in its flexibility and the discipline of consistent savings over time.
Ready to take control of your financial future? Don't just take our word for it. Get personalized advice to see how AIA Smart Flexi Rewards (II) can fit into your financial plan. Sign up now to receive tailored proposals from 5 expert financial advisors who can help you make the most of this flexible savings solution.
By consulting with multiple experts, you'll gain a comprehensive understanding of how this plan can be optimized for your unique financial journey. Don't leave your financial future to chance – get the expert advice you deserve today and start your path to flexible, rewarding savings.
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