Achieve new heights with us - AIA Singapore

INVESTMENT 

AIA ACHIEVER PLUS SERIES 

Achieve new 

heights with us 

Investment growth potential and flexible protection 

in a single plan 

The Power of We 

AIA.COM.SG

AIA ACHIEVER PLUS Series 

Only 

28% 

of Singaporeans believe 

they will have sufficient funds 

to support themselves 

upon retirement. 

* Source: Synovate, Consumer Study commissioned by AIA in November 2009

Be confident that 

your money is 

working harder and 

your loved ones 

are provided for

AIA ACHIEVER PLUS Series 

2 

You want to save for your future. But if anything 

should happen to you, you want to make sure 

your loved ones are taken care of. So it can be 

difficult to know where to focus your resources. 

Do you plan for the best, or prepare for the worst? 

Accumulating wealth and living well is a goal that most people share. Developing a 

regular savings habit is a great place to start. But life can be complicated and priorities 

change over the years. At times we can afford to save and invest more. At other times, 

such as when we start a family, the importance of insurance protection can become more 

significant. And that’s often just at the time when our wallets feel the pressure most. 

AIA Achiever Plus Series plans combine the benefits of wealth accumulation and life 

insurance in a single plan. So you can be confident that your money is working harder, 

and your loved ones are provided for. There are two plan types to choose from, each with 

a different focus. As its name suggests, the AIA Achiever Plus Accumulator is a plan 

that focuses on investment returns. Alternatively, the AIA Achiever Plus Protector plan 

combines investment returns and adjustable levels of insurance protection for greater 

peace of mind. 

AIA Achiever Plus 

Accumulator 

AIA Achiever Plus 

Protector 

• Insured Amount = 

2 x annual premium 

• Minimum Insured Amount 

= 10 x annual premium 

• Option to increase 

death benefit 

• Premium starts from just $100 / month 

• Create an investment portfolio with a choice of 29 funds

Built for growth, primed for life 

Because we recognise that everyone’s investment and protection goals are different, 

AIA Achiever Plus Series are investment-linked plans (ILP) that represent a flexible way 

to combine both objectives. Whether your focus is primarily on potential investment 

returns, or on protecting your loved ones against the unexpected, AIA Achiever Plus 

Series plans can help you to meet your goals. 

The benefits of these flexible plans include: 

Two plan types to choose from 

AIA Achiever Plus Accumulator provides you with the potential for investment returns 

as well as a fixed Insured Amount of 2 times the annual premium amount. AIA Achiever 

Plus Protector offers a minimum Insured Amount of 10 times the annual premium 

amount and, subject to further underwriting, the option to increase the death benefit. 

AIA Achiever Plus Protector could be suitable for those who wish to enjoy a higher level 

of insurance protection at certain life stages, and subsequently reduce the death benefit 

(subject to the applicable minimum Insured Amount) so as to direct more of the premium 

towards investment objectives. 

No lump sum required 

For AIA Achiever Plus Accumulator and AIA Achiever Plus Protector, regular premium 

payments start at just S$100 per month. Your regular premium payments will remain the 

same throughout the life of the plan and no top-up premiums are allowed. 

Choice of investments 

Your Regular Premiums will be invested in the ILP sub-funds (“funds”) of your choice 

and managed by professional fund managers. With 29 different funds to choose from, 

you can create a portfolio that taps into a wealth of investment opportunities around the 

world. Whichever funds you choose to invest in, you can check the price of units at any 

time on our website. You’ll also have access to semi-annual and annual fund reports 

as well as Fund Factsheets, all of which include commentaries on how the funds are 

performing. 

Take a short break from your premium payments if you need to 

When you sign up for the plan, it’s important to choose a premium amount that you 

can commit to for the long term. But life is unpredictable and there may come a time 

when you need to take a short break from your regular payments. That’s okay. Certain 

charges may apply when you take a Premium Holiday 1 but we will deduct those charges 

from the value of your policy. You will remain eligible to receive benefits payable under 

your plan, so long as the plan has not lapsed or been terminated.

AIA ACHIEVER PLUS Series 4 

Choose when to cash out 

AIA Achiever Plus Series plans can act as your investment companion throughout your 

whole lifetime. The plan will automatically mature and pay out the policy value if you 

survive to age 100. You are free to cash out (Full Surrender) without penalty at any 

time after you have paid in full 11 annual Regular Premiums 2 . You may cash out before 

that time if you wish but Full Surrender Charges will apply. Please refer to the Product 

Summary for details. 

Regular or partial withdrawals 

After the expiry of the Partial Withdrawal Charge period 2 , you may make regular 

withdrawals from your plan on a monthly, quarterly, semi-annual or annual basis. You 

may also make Partial Withdrawals on an ad hoc basis after you have paid 2 annual 

Regular Premiums 3 . If Partial Withdrawals are made before the expiry of the Partial 

Withdrawal Charge period, Partial Withdrawal Charges will apply. Please refer to the 

Product Summary for details. 

Give your child a headstart in life 

A good way to encourage your children to develop a regular savings habit is to take 

up the AIA Achiever Plus Series plan(s) on their behalf. By putting aside a regular sum 

each month, you might both be surprised at how quickly it could potentially turn into 

a tidy sum. As your children grow, encourage them to follow the performance of their 

investments. When they reach the age of 21, the policy rights can be transferred to 

them, and they can take over the responsibility for paying the premiums. It’s one of the 

best ways to give your child a headstart in life. 

Automatic fund switching and re-balancing 

By following the performance of the funds you have selected, you may decide that 

you want to actively manage your own investment portfolio. That’s fine. Subject to a 

minimum total fund switch amount of S$50 you may switch your unit holdings between 

funds for free 4 . Alternatively, you can take advantage of automatic fund switching and 

re-balancing 4 facilities to ensure that your unit holdings are always in line with your 

investment objectives. 

Enhance your protection with optional benefits 

A range of optional benefits can be added to your AIA Achiever Plus Series plan(s). AIA 

Achiever Plus Protector can be enhanced with insurance protection against unforeseen 

events including critical illness, hospitalisation, accidental death, or total and permanent 

disability. Both plans may be enhanced with Payor Benefit protection, a feature which 

ensures the AIA Achiever Plus Series plan you purchase for your child will remain 

funded and in-force until your child reaches age 25 in the event the payor dies or suffers 

total and permanent disability before age 60. Ask your AIA Financial Services Consultant 

for details.

Examples 6 

Mdm Goh was 26 years old when 

she purchased the AIA Achiever Plus 

Accumulator plan to encourage herself 

to save. She signed up for a premium 

of S$200 per month and an Insured 

Amount of S$4,800, or 2 times her 

annual premium, and made her payments 

diligently. 

When Mdm Goh was 49, her daughter 

was accepted to an overseas university 

and the expense was more than originally 

planned for. She decided to make regular 

withdrawals of S$4,000 each year for the 

next four years from her available policy 

value to help supplement the education 

savings plan she and her husband 

had purchased. 

During this time, she took a Premium 

Holiday. As she had paid more than 121 

monthly Regular Premiums, the Premium 

Holiday Charge did not apply. 

At the end of the four years, her daughter 

graduated and Mdm Goh no longer 

required the regular withdrawals. At 

this time, Mdm Goh decided to resume 

her premium payments to further her 

retirement savings.


Mr Lim, a non-smoker, had just celebrated 

his 33 rd birthday when he purchased the 

AIA Achiever Plus Protector plan. He was 

interested in growing his savings but also 

felt it was time to get some additional 

protection, as he had recently married 

and was still in good health. He chose to 

invest S$3,000 per year and elected an 

Insured Amount of S$30,000, or 10 times 

his annual premium. In addition, he added 

the Critical Protector Rider to his plan 

for an additional premium of S$222.60 

per year for Critical Illness Insured 

Amount of S$20,000. His AIA Achiever 

Plus Protector’s policy fees are therefore 

reduced to S$3 per month. 

At age 48 Mr Lim had a Major Heart 

Attack. He received a payment of 

S$20,000 from his AIA Critical Protector 

Rider which helped him cover his medical 

expense as well as supplement his 

income while he took unpaid leave from 

work. As a result of his loss of income, 

Mr Lim took a Premium Holiday for one 

year until he was back to work and his 

finances stabilised. As he had paid more 

than 11 annual Regular Premiums, the 

Premium Holiday Charge did not apply. 

After his one year Premium Holiday, 

Mr Lim continued to pay premiums until 

unfortunately he passed away at age 59. 

His widow (his designated beneficiary) 

received the death benefit of S$30,000 

plus the policy value from his AIA Achiever 

Plus Protector plan.

At a Glance 

Useful information about the AIA Achiever Plus Series plans and a summary of fees 

and charges are set out in the table below. Please refer to the Product Summary for 

more details. 

Plan Type 

Source of Premium Funding 

Minimum Regular Premium Amount 

Regular Premium Investment-linked Policy 

Cash only 

S$100 (Monthly); S$300 (Quarterly); S$600 (Semi-annual); 

S$1,200 (Annual) 

Minimum Total Fund Switch Amount S$50 

Minimum Partial Withdrawal Amount 3 

S$1,000 

The following fees and charges are applicable throughout the life of the policy: 

Bid/Offer Spread 

Switching Fees 

Policy Fee 

Benefit Charge 

Annual Management Fee 

5%. The bid/offer spread is the difference between the unit 

offer price and unit bid price. Units are purchased at offer 

price, and sold at bid price. This fee does not apply to fund 

switching. 

There are no fees for Fund Switching, Automatic Fund 

Switching, or Automatic Fund Re-balancing 4 . There is also 

no limit on the number of fund switches 5 . 

S$6 per month (or S$3 per month for AIA Achiever Plus 

Protector if the AIA Critical Protector Rider is attached). 

Is payable for death, total and permanent disability (if 

selected), and critical illness (if selected) benefits and is 

based on your age, gender, Insured Amount and benefit 

type. The charge is levied monthly on the policy by 

cancelling sufficient units at Bid Price. For AIA Achiever 

Plus Protector, a 10% discount will be applied if the Insured 

Amount payable upon death is S$100,000 or more. 

Is built into the unit price of each Fund and is applied at 

each recalculation of the unit price. Please refer to the AIA 

Investment Fund Product Summary. 

The following charges are applicable until you have paid in full and we have accepted 11 annual (or 21 

semi-annual, or 41 quarterly, or 121 monthly) Regular Premiums excluding any Advanced Premiums paid: 

Supplementary Charge 

Premium Holiday Charge 

Full Surrender Charge 

Partial Withdrawal Charge 

Is equal to 0.14583% of the Policy Value per month. This 

charge will not apply if the Premium Holiday Charge is 

payable. 

Applies only in the event that you decide to take a Premium 

Holiday. 

Applies only in the event you decide to surrender your plan. 

Applies only in the event you decide to make a Partial 

Withdrawal.


Frequently Asked Questions 

It is always our intention to write in plain English, and to be as transparent as 

possible when describing our products. The questions and answers below reflect the 

most common concerns raised by our customers. If you have any other questions 

not addressed here, please ask your AIA Financial Services Consultant for more 

information. Alternatively, you may visit our website at AIA.COM.SG or contact our 

AIA Customer Care Hotline at 1800 248 8000. 

Q1. How do I purchase? 

The best way to get started is to complete an AIA Financial Health Review with your 

AIA Financial Services Consultant. Based on the results of the fact find, your AIA 

Financial Services Consultant will help to select a plan that best suits your needs 

and help you determine the appropriate level of coverage. You may need to take a 

medical examination depending on your age, gender, and your answers to a health 

questionnaire on the application form. Your AIA Financial Services Consultant will submit 

the completed application form and supporting documents to AIA on your behalf. 

Q2. Can I use CPF to pay my premiums? 

The CPF Board currently does not allow premiums under this plan to be paid from your 

CPF Ordinary or Special Accounts. Your AIA Financial Services Consultant will be able 

to give you more insight into other AIA investment plans which can be funded with 

CPF monies. 

Q3. What information should I read before deciding to invest? 

You should review the AIA Achiever Plus Series Product Summary and Benefit 

Illustration prior to purchasing any AIA Achiever Plus Series plan. Your AIA Financial 

Services Consultant will give these documents to you. You should read the AIA 

Investment Fund Product Summary prior to making your fund selection. 

Q4. Where do I get information about the funds? 

Fund Factsheets and the AIA Investment Fund Product Summary are available 

from your AIA Financial Services Consultant. Fund Factsheets are also available at 

AIA.COM.SG, and updated fund prices are posted to AIA.COM.SG every business day.

Q5. Is my principal guaranteed? 

No. An AIA Achiever Plus Series plan is an Investment-linked Policy (ILP) offered by 

AIA, which invests in ILP sub-fund(s). Investments in this plan are subject to investment 

risks including the possible loss of the principal invested. As such, neither principal, nor 

performance is guaranteed. 

Q6. How do I make a Partial Withdrawal? 

You may make a Partial Withdrawal after you have paid in full and we have accepted 2 

annual (or 4 semi-annual, or 8 quarterly, or 24 monthly) Regular Premiums excluding 

any Advanced Premiums paid. No Partial Withdrawal Charge will be charged after you 

have paid in full and we have accepted 11 annual (or 21 semi-annual, or 41 quarterly, 

or 121 monthly) Regular Premiums excluding any Advanced Premiums paid. You can 

make a Partial Withdrawal by submitting a transaction request form to AIA. This form 

is available at AIA.COM.SG. The minimum amount per withdrawal is S$1,000 and the 

policy value after the withdrawal cannot be less than S$1,000. The amount payable 

to you for Partial Withdrawal will be based on the number of units redeemed and the 

redemption price of the units. 

Q7. How do I make a fund switch? 

You may make fund switches at AIA.COM.SG or by submitting a transaction request 

form to AIA. This form is available at AIA.COM.SG. The minimum total fund switch 

amount is S$50 4 . There is no fee for switching 4 and there is no limit on the number of 

fund switches 5 you can make. You may also elect for Automatic Switching of monies 

from your AIA S$ Money Market Fund to other specified ILP sub-funds on a regular 

basis free of charge 4 using the transaction request form. The minimum initial balance in 

the AIA S$ Money Market Fund is S$1,000. 

Q8. How do I change my fund allocation? 

You may change your current fund allocation by performing fund switches. You may 

change your fund allocation for future Regular Premiums by submitting a transaction 

request form to AIA. This form is available at AIA.COM.SG. You may also elect 

for Automatic Fund Re-balancing 4 on a quarterly basis. This re-balancing will follow 

pre-specified fund allocations. We cannot effect any switches for Automatic Fund 

Re-balancing of less than S$50 or 1% of your policy value, whichever is lower 4 . 

Q9. Are top-ups allowed? 

No, top-up premiums are not allowed.


Q10. What information regarding my AIA Achiever Plus policy will be provided 

to me? 

You will receive a Fund Activity Statement (FAS) semi-annually, as well as when you 

complete transactions such as fund switches or Partial Withdrawals. The FAS will 

include information about your fund holdings, policy value and any transactions made 

during the period. You may also view your holdings by logging on to AIA.COM.SG. 

Q11. What happens if I take a Premium Holiday 1 ? 

You may take a Premium Holiday after you have paid in full and we have accepted 1 

annual (or 2 semi-annual, or 4 quarterly, or 12 monthly) Regular Premium excluding 

any Advanced Premiums paid. During the Premium Holiday period, you will remain 

eligible to receive benefits payable under the plan so long as your policy has not 

lapsed or been terminated. Your Policy Fees and Benefit Charges will continue to be 

deducted from your policy. For optional riders paid using cash, the premiums must still 

be paid during the Premium Holiday period. It is important to understand that if you 

take a Premium Holiday before you have paid in full and we have accepted 11 annual 

(or 21 semi-annual, or 41 quarterly, or 121 monthly) Regular Premiums excluding 

any Advanced Premiums, the Full Surrender/Partial Withdrawal Charge period 

and Supplementary Charge period will be extended until you have completed such 

payments. Back payment of premiums is not allowed. 

Q12. Can I change my mind and cancel the policy after I’ve purchased? 

Yes you can. If you sign up for the plan and then change your mind, you may cancel the 

plan within 14 days from the date you receive your policy document. But it is important 

to be aware that the amount refunded may be less than the premium paid. Ask your AIA 

Financial Services Consultant for more information.

Important notes 

1 

Request for Premium Holiday is not allowed in the first policy year until the premiums 

for the first policy year are fully paid. No Premium Holiday Charge will be charged 

after you have paid in full and we have accepted 11 annual (or 21 semi-annual, or 41 

quarterly, or 121 monthly) Regular Premiums excluding any Advanced Premiums paid. 

2 

No Full Surrender or Partial Withdrawal Charge will be charged after you have paid 

in full and we have accepted 11 annual (or 21 semi-annual, or 41 quarterly, or 121 

monthly) Regular Premiums excluding any Advanced Premiums paid. 

3 

Partial Withdrawal is allowed after you have paid in full and we have accepted 2 annual 

(or 4 semi-annual, or 8 quarterly, or 24 monthly) Regular Premiums excluding any 

Advanced Premiums paid. The minimum Partial Withdrawal amount is S$1,000 and the 

Policy Value remaining after deducting the Partial Withdrawal amount and the Partial 

Withdrawal Charge, must not be less than S$1,000. 

4 

AIA reserves the right to revise any minimum fund switch amount, minimum automatic 

fund switch amount, and minimum holding amount imposed or to terminate or suspend 

the fund switch, automatic fund switch or automatic fund re-balancing facilities. AIA 

shall not be responsible for any losses arising from or attributable to our decision to 

terminate or suspend the fund switch, automatic fund switch, or automatic fund 

re-balancing facilities. 

5 

AIA reserves the right to place limits on the number of fund switches carried out under 

the policy or impose any other terms and conditions relating to the fund switch facility. 

6 

Examples are for illustrative purposes only. They assume that the policy has generated 

sufficient cash value to finance any regular withdrawals. Withdrawals are done through 

the redemption of units in the Policy, and units are redeemed at the prevailing bid 

prices. Policy Value is not guaranteed and will be dependent on the performance of 

the ILP sub-funds. Past performance of the ILP sub-funds is not indicative of future 

performance. Possible loss of principal invested cannot be ruled out. The premium 

rates for the Critical Protector Rider are not guaranteed. The AIA Critical Protector 

Rider will terminate after payment of the full Insured Amount thereunder. Other terms 

and conditions may apply. Please refer to the Product Summary for AIA Achiever Plus 

Series plans and AIA Critical Protector Rider for details. 

AIA Achiever Plus Series plans are Investment-linked Plans (ILP) offered by American 

International Assurance Company, Limited, Singapore Branch (“AIA”), which invests in 

ILP sub-fund(s). Investments in these plans 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 are 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 summaries before deciding 

whether the products are suitable for you. 

All insurance applications are subject to AIA’s underwriting and acceptance. 

This brochure is not a contract of insurance. The precise terms and conditions of these 

plans, including exclusions whereby the benefits under these plans may not be paid out, 

are specified in the policy contracts. You are advised to read the policy contract. 

Buying a life insurance policy is a long-term commitment. An early termination of the 

policy usually involves high costs and the surrender value payable may be less than the 

total premiums paid. 

The information in this brochure is correct as at April 2010.


About the AIA Group 

The AIA Group is a leading life insurance organisation in Asia Pacific 

that traces its roots in the region back more than 90 years. It provides 

individuals and businesses with products and services for life insurance, 

retirement planning, accident and health insurance as well as wealth 

management solutions. Through an extensive network of more than 

320,000 agents and approximately 23,500 employees across 15 

geographical markets, the AIA Group serves the customers of 

over 23 million in-force policies in the region. 

The AIA Group has branch offices, subsidiaries and affiliates located in 

jurisdictions including Australia, Brunei, China, Hong Kong, 

India, Indonesia, Macau, Malaysia, New Zealand, Philippines, 

Singapore, South Korea, Taiwan, Thailand and Vietnam.

1 Robinson Road, AIA Tower, Singapore 048542 Monday - Friday 8.45am - 5.30pm AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SG

Achieve new heights with us - AIA Singapore

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