PD_TM3300094 AIA Secure Term Plus Brochure.indd - AIA Singapore

PROTECTIONAIA SECURE TERM PLUSHave you ensuredthe security of yourfamily’s future?Protect them confidentlywith a plan that offers highprotection at a low premiumAIA.COM.SG

While 6 in 10Singaporeans claimto have a clear ideaof how much theirdependents will needin the event of theirdeath or disability

nearly 7 in 10 haveprepared 50% or less ofthe life insurance coverthey think is required*.*Source: AIA Singapore NationwideProtection Survey conductedby The Nielsen Company in June 2011

Taking care of yourfamily is your toppriority in life.You work hard to provide a home, security, and a goodeducation for a strong head-start in life. But if the unexpectedshould happen, and you were no longer around to take careof them, could they continue to cope financially?If such an event were to happen, we would all hope that our loved ones are providedfor. Perhaps you already have some life insurance, but do you know if it is enough?Our nationwide survey revealed that nearly 7 in 10 Singaporeans have 50% or lessof the life insurance coverage they think they need*. And they are probably right -the Life Insurance Association of Singapore estimates that the average Singaporeanis under-insured by more than S$300,000**.So what’s stopping us from fully protecting our families? We understand that, for manypeople, pressure on the wallet can prevent them from being able to commit to a largeamount of life insurance coverage; particularly as the cost of living continues to rise.That’s why AIA Secure Term Plus offers you a cost-effective solution to your family’sprotection needs from $22 1 a month. Your premium is guaranteed not to change duringyour policy term and you’re guaranteed the option to renew your coverage up to thepolicy anniversary following the Insured’s 85th birthday.What’s more, the plan can be easily tailored to your needs. You can purchase theplan individually or add it as a rider to an existing AIA life policy, enhance the plan withoptional protection, or convert 2 the plan to another AIA endowment or whole life plan.*Source: AIA Singapore Nationwide Protection Survey conducted by The Nielsen Company in June 2011**Underinsurance in Singapore, 2007 Update Life Insurance Association of Singapore/NTU

AIA Secure Term Plus | 4Affordable, flexible,guaranteed renewableAIA Secure Term Plus offers your family the protection theyneed, at a price you can afford. Choose from 5, 10, or 20-yearpolicy terms.Benefits of this plan include:Financial security for your family, should anything happen to youIn the event of Death or diagnosis of a Terminal Illness, the plan will pay out theinsured amount in a lump sum, offering your family much needed financial assistancewith final expenses, and to cope with the impact the loss of your income may haveon their ability to pay for necessities such as mortgage payments or other daily livingexpenses. You can also choose to enhance your coverage with Total and PermanentDisability (TPD) benefit for the duration of your AIA Secure Term Plus plan (up to thepolicy anniversary following the Insured’s 70th birthday), providing yourself and familyeven greater protection against loss of valuable income. Please refer to the productsummary for more information.Guaranteed continuous coverage up to age 85As we get older, it can become more difficult to be accepted into a life insurance plan.For a lot of people, this can cause concern when considering a term life plan. With AIASecure Term Plus, you may choose to renew your plan at the end of each policy term 3and AIA guarantees to renew the plan regardless of your health. This guarantees thatyou will remain eligible for protection in the future, without having to commit yourself toa long-term plan right now.Flexibility to enhance and convertYou may also choose to add a wide range of optional riders such as accidental deathand hospitalisation riders for even more comprehensive coverage. And should yourneeds change in the future, you may convert 2 your policy to an AIA endowment orwhole life plan. With so many options, you can use AIA Secure Term Plus to meet avariety of needs as and when they arise.

Frequently Asked QuestionsIt is always our intention to write in plain English, and to be as transparent as possible whendescribing our products. The questions and answers below reflect the most common concernsraised by our customers. If you have any other questions not addressed here, please ask yourAIA Financial Services Consultant for more information. Alternatively, you may visit our websiteat AIA.COM.SG or contact our Customer Care Hotline at 1800 248 8000.Q1. Who can apply for AIA Secure Term Plus?You can apply if you are aged between 16 and 70 years old on your last birthday (for5-year and 10-year policy terms) or between 16 and 60 years old on your last birthday(for a 20-year policy term).Q2. How can I pay my premium?AIA Secure Term Plus premiums may be paid in cash, or by cheque, credit card or GIRO,on a monthly, quarterly, semi-annual or annual basis.Q3. Can I use CPF funds to buy AIA Secure Term Plus?No. Please speak to your AIA Financial Services Consultant to find out about other plansthat can be paid using your CPF monies.Q4. Under what circumstances will the plan pay out?AIA Secure Term Plus will pay the insured amount in a lump sum, less any amountsowing to us, in the event of Death or diagnosis of Terminal Illness. If you take up theTotal and Permanent Disability (TPD) optional benefit, the plan will also pay out theTPD benefit up to its full insured amount in a lump sum in the event of a qualifying TPDdiagnosis. Please refer to the product summary for more information.Q5. If my cover stopped because I did not pay my premium, can it be reinstated?Yes. We may approve your written application to reinstate your cover subject to termsand conditions and provided we receive your application within three years of thepremium due date on which default in premium occurred, and payment of your overduepremiums, including interest. You will also need to submit a health declaration and wemay call for a medical report, at your expense, if necessary.Q6. Is my premium guaranteed?Your premium is based on your attained age at the time of policy inception or renewal.We guarantee that the premium will remain unchanged during the duration of the policyterm. If you renew your policy for the same insured amount after the expiry of yourexisting policy term, your premium will be higher than before.

AIA Secure Term Plus | 6Q7. Can I adjust the insured amount during the policy term?You may increase the insured amount during the first policy year, subject to underwriting.You may decrease the insured amount anytime during the policy term.Q8. Do I have to take a medical examination?Subject to underwriting, you may be required to take a medical examination.Q9. Can I change my mind and cancel the policy after I’ve purchased?Yes. You may cancel the plan by writing to us within 14 days from the date that youreceive your policy document (free-look period) and receive a refund of your premium(less any medical expenses incurred). If the plan is cancelled after the 14 day free-lookperiod, there will be no refund of premiums.Q10. What conditions are excluded in this policy?Common exclusions include HIV/AIDS, suicide within 1 year of the issue date orreinstatement date of the policy (whichever is later) and pre-existing conditions.For more information on exclusions, please refer to the Product Summary.

1 This is the minimum premium requirement for AIA Secure Term Plus based on a monthlypayment mode.2 The plan can be converted, without us requiring further evidence of insurability andsubject to certain conditions being met, to any whole life or endowment plan which wemay make available for conversion from time to time at our absolute discretion, for aninsured amount of up to current insured amount, anytime before the expiry of the policyterm and the policy anniversary prior to the Insured’s 70th birthday. Conversion is notguaranteed and is subject to acceptance by us.3 The coverage will terminate on the policy anniversary following the Insured’s 85thbirthday.

AIA Secure Term Plus | 8Important Notes:This insurance plan is underwritten by AIA Singapore Private Limited (AIA). All insuranceapplications are subject to AIA’s underwriting and acceptance.This brochure is not a contract of insurance. The precise terms and conditions of this plan,including exclusions whereby the benefits under this plan may not be paid out, are specifiedin the policy contract. You are advised to read the policy contract.Buying a life insurance policy is a long-term commitment. You should consider carefullybefore terminating the policy or switching to a new one as there may be disadvantagesin doing so. The new policy may cost more or have fewer benefi ts at the same cost.The information in this brochure is correct as at 31 October 2011.

About the AIA GroupAIA Group Limited and its subsidiaries (collectively “AIA” or “Group” ) comprisethe largest independent publicly listed pan-Asian life insurance group in theworld. It has wholly-owned main operating subsidiaries or branches in 14 marketsin Asia Pacifi c - Hong Kong, Thailand, Singapore, Malaysia, China, Korea, thePhilippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau andBrunei and a 26% joint venture shareholding in India.The business that is now AIA was fi rst established in Shanghai over 90 years ago.It is a market leader in the Asia Pacifi c region (ex-Japan) based on life insurancepremiums and holds leading positions across the majority of its markets. It hadtotal assets of US$115,782 million as of 31 May 2011.AIA meets the savings and protection needs of individuals by offering a range ofproducts and services including retirement planning, life insurance and accidentand health insurance. The Group also provides employee benefi ts, credit life andpension services to corporate clients. Through an extensive network of agentsand employees across Asia Pacifi c, AIA serves the holders of over 23 millionindividual policies and over 10 million participating members of group schemes.AIA Group Limited is listed on the Main Board of The Stock Exchange of HongKong Limited under the stock 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 048542 Monday - Friday 8.45am - 5.30pm AIA Customer Care Hotline: 1800 248 8000 AIA.COM.SGSGPD2011001-001-31102011 TM3300094 (10/2011 01/2012)