AIA Platinum Heritage - AIA Singapore

WEALTH MANAGEMENTPreserve your wealth foran enduring heritageAIA Platinum Heritageaia.com.sg

Preserve your heritage anddistribute your wealth

AIA PLATINUM HERITAGE 03Solutions that preserve, enhance andtransfer your wealth the way you choose to.Your success is a reflection of how much you have accomplished in life. And it’s important to ensure thatyour achievements stand the test of time, even after you’re gone. And apart from passing on your valuesand knowledge, you will want to pave the way for your future generations to carry your heritage forward byproviding them with financial security.With AIA Platinum Heritage, we can help you lay a strong foundation to grow, protect and preserve yourheritage for the generations to come.Enjoy the benefits of legacy planning and wealth preservation.An assurance of a lifetime of securityAIA Platinum Heritage is a US$ single premium whole life plan that guarantees you high coverage fora lifetime with only one premium payment. This allows you to put your mind at ease knowing thatyour loved ones are taken care of in the event of your untimely passing. They will receive a benefitpayout that is not compromised by market fluctuations, which will secure their financial security andassure them that they can maintain their lifestyle.The plan is tailored to suit the needs of esteemed individuals like yourself, so that you can enjoy thebenefits of legacy planning and wealth preservation.Guaranteed cash value from day oneAIA Platinum Heritage provides an immediate and guaranteed source of cash from the day your policystarts. You will enjoy a guaranteed cash value of 80% of your premium from day one which willincrease thereafter.A rewarding legacyThe value of your AIA Platinum Heritage plan can be enhanced through the stable growth of cashvalue in the form of bonuses 1 . This will help enhance your wealth and establish a rewarding andvaluable legacy for your future generations.

Leave a heritage that ensures thefuture of your next generation

AIA PLATINUM HERITAGE 05Protect your assets and enable anequitable distribution of your wealthWith the success you enjoy today, your wealth is likely to comprise several assets such as property, equitiesand a family business. How do you ensure a fair and harmonious distribution of your wealth to address yourlegacy planning needs?Scenario 1: Asset protectionProtect your assets with AIA Platinum HeritageMr. Ong’s total wealth is valued atUS$23m and he plans to leave an equalamount of US$8m to each of his threechildren. His wealth is made up of anumber of assets, which includes afamily business.US$23mFamily BusinessInvestmentsCashFreehold PropertyTotal Assets:US$9mUS$5mUS$5mUS$4mUS$23mWithout AIA Platinum HeritageIn the event of a financial crisis, and should Mr. Ongpass on, his assets would be significantly affectedand his family may come under pressure to liquidatepart of his investments and property, which wouldresult in a great loss of value of their father’s legacy.With AIA Platinum HeritageMr. Ong purchases an AIA Platinum Heritage plan forUS$3m when he turns 50. When he passes on, hischildren will receive insurance proceeds of US$10m– which provides cash flow to support the familybusiness in the short term.Furthermore, these insurance proceeds enableMr. Ong’s children to maintain an optimum lifestyle,without having to force-sell or liquidate his assets ata time when market conditions are far from ideal.US$17mUS$24mFamily BusinessInvestmentsCashFreehold PropertyTotal Assets:US$8mUS$3mUS$3mUS$3mUS$17mFamily BusinessInvestmentsCashFreehold PropertyInsurance ProceedsTotal Assets:US$8mUS$3mUS$0mUS$3mUS$10mUS$24m

Scenario 2: Estate equalisationMr. Lim has 3 children. His second son and his daughter haveestablished careers outside the family business. Only his eldestson is interested in taking over the family business to run it.His daughter is married and lives in her family home so thatshe can take care of her parents. These conditions make itcomplicated for Mr. Lim to ensure a fair and equal distributionof his wealth after his passing.US$17mMr. Lim purchases an AIA Platinum Heritage at the age of 50which provides an immediate estate of US$10m with a singlepremium of US$3m for estate planning purposes. This booststhe total value of his assets, and facilitates the equaldistribution of US$8m to each of his three children fromthe insurance proceeds.Family BusinessOther AssetsFreehold PropertyTotal Assets:US$8mUS$4mUS$5mUS$17mWithout AIA Platinum HeritageDaughterFirst SonFamily BusinessUS$8mUS$17mFirst SonDaughterFreehold PropertyUS$5mSecond SonOther AssetsUS$4mSecond SonTotal Assets withoutAIA Platinum HeritageUS$17mWith AIA Platinum HeritageFirst SonFamily BusinessUS$8mSecond SonUS$24mFirst SonDaughterFreehold PropertyInsurance ProceedsSecond SonOther AssetsInsurance ProceedsUS$5mUS$3mUS$1mUS$7mTotal Assets withAIA Platinum HeritageUS$24mDaughter

AIA PLATINUM HERITAGE 07Key Benefits ofAIA Platinum Heritage• Receive certainty of lifetime coverage until age 100 with high guaranteed death benefit• Enjoy a guaranteed cash value equivalent to 80% of your single premium right from day one• Enhance the value of your assets through stable wealth accumulation in the form of bonuses 1• Protect and distribute your wealth on your terms with legacy planningProduct features at a glanceDescriptionAIA Platinum Heritage is a single premium whole life plan thatprovides a high guaranteed coverage till age 100 that addresses yourlegacy planning needs.The plan includes a component that participates in the experience ofthe participating fund in the form of bonuses 1 .Entry AgeMaximum CoverageAge/Maturity AgePremium TermCurrencyLowest MinimumDeath BenefitDeath BenefitGuaranteed First DayCash ValueIssuing CompanyPolicy Governing Law18 – 65 years old100 years oldSingle PremiumUSDUS$500,000In the event of death, we will pay the higher of:a) The Minimum Death Benefit; orb) The insured amount 2 plus any bonuses 180% of Single PremiumAIA Singapore Private LimitedSingapore

Frequently Asked QuestionsIt is always our intention to write in plain English, and to be as transparent as possible when describing ourproducts. The questions and answers below reflect the most common concerns raised by our customers. Ifyou have any other questions not addressed here, please ask your AIA Financial Services Consultant for moreinformation. Alternatively, you may visit our website at aia.com.sg or contact our AIA High Net Worth ServiceLine at (65) 6248 8868.Q1. How are the bonuses allocated?A. You can receive bonuses in the form of Reversionary Bonus and Terminal Bonus.The Reversionary Bonus is a discretionary bonus that we may credit to your policy on an annual basisdepending on the experience of the participating fund. Once declared and credited to your policy, theReversionary Bonus is guaranteed and will not be affected by any subsequent years’ revisions.The Terminal Bonus is a one-time, potential bonus that may be paid in the event of death, maturity orsurrender depending on the experience of the participating fund.Q2. How does AIA ensure stability in wealth accumulation?A. In order to provide stability to the policy values, a smoothing process is adopted so that in the yearswhen the experience of the participating fund is good, the profits can be retained to increase returns topolicyholders, should conditions be less favourable in other years.Q3. What happens when I turn 100 years old?A. Upon maturity, your plan terminates and the maturity benefit will be paid out to you.Q4. Can I adjust my Minimum Death Benefit during the policy duration?A. Yes, you can increase your Minimum Death Benefit within the first policy year subject to normalunderwriting and additional premiums if required.However, you can decrease your Minimum Death Benefit anytime during the policy duration. We will refundthe pro-rated cash value.Q5. What conditions are excluded under this plan?A. There are certain conditions where no benefits will be payable, such as suicide within one year from thepolicy issue date, and any pre-existing conditions which were not declared on the application form andaccepted by us. Please refer to the product summary for details.Q6. Can I change my mind and cancel the policy after I’ve purchased it?A. Yes. You may cancel the plan by writing to us within 14 days from the date you receive your policydocument (free-look period) and receive a refund of your premium (without interest and less any medicalcharges incurred). The 14-day free-look period will start 7 days from the date we post the policy.

AIA PLATINUM HERITAGE091Bonuses are non-guaranteed and depend on the experience of the participating fund.2The insured amount refers to the insured amount of the component of AIA Platinum Heritage thatparticipates in the experience of the participating fund.Important NotesAIA Platinum Heritage plan is a US dollar denominated policy and any moneys payable to or by us shall bein US dollars unless otherwise agreed at the time of payment. If you choose to pay or receive payment inany currency (including Singapore dollars) other than US dollars, our prevailing exchange rates shall applyfor any currency conversion required to be made. Any currency conversion is subject to currency exchangerate fluctuations, which may be highly volatile.This insurance plan is underwritten by AIA Singapore Private Limited (Reg.No 201106386R) (“AIA”). Allinsurance applications are subject to AIA’s underwriting and acceptance.This brochure is not a contract of insurance. The precise terms and conditions of this plan, includingexclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract.You are advised to read the policy contract.Buying a life insurance policy can be a long-term commitment. An early termination of the policy usuallyinvolves high costs and the surrender value payable may be less than the total premiums paid. You shouldconsider carefully before terminating the policy or switching to a new one as there may be disadvantages indoing so. The new policy may cost more or have fewer benefits at the same cost.The information in this brochure is correct as at 12 April 2013.

About AIA GroupAIA Group Limited and its subsidiaries (collectively “AIA” or “Group”) comprise the largest independentpublicly listed pan-Asian life insurance group in the world. It has operations in 16 markets in Asia-Pacific– wholly-owned branches and subsidiaries in Hong Kong, Thailand, Singapore, Malaysia, China, Korea, thePhilippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau, Brunei, a 92 per cent subsidiary inSri Lanka and a 26 per cent joint-venture in India.The business that is now AIA was first established in Shanghai over 90 years ago. It is a market leader inthe Asia Pacific region (ex-Japan) based on life insurance premiums and holds leading positions across themajority of its markets. It had total assets of US$134,439 million as of 30 November 2012.AIA meets the savings and protection needs of individuals by offering a range of products and servicesincluding retirement planning, life insurance and accident and health insurance. The Group also providesemployee benefits, credit life and pension services to corporate clients. Through an extensive network ofagents and employees across Asia Pacific, AIA serves the holders of over 25 million individual policies andover 13 million participating members of group schemes.AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under thestock code ‘1299’ with American Depositary Receipts (Level 1) being traded on the over-the-counter market(ticker symbol: “AAGIY”).

AIA Singapore Private Limited(Reg. No. 201106386R)1 Robinson Road, AIA Tower, Singapore 048542Monday - Friday: 8.45am - 5.30pmAIA High Net Worth Service Line: (65) 248 8868aia.com.sgSGPD2012034-237-22042013