Brochure: AAA2 / ARA2 / AEA2

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Brochure: AAA2 / ARA2 / AEA2

INVESTMENT AAA 2 / ARA 2 / AEA 2

About AIA Bhd.

American International Assurance Bhd. (AIA Bhd.) began

operations in Kuala Lumpur, Malaysia, in 1948 as a branch

of American International Assurance Company, Limited

(AIA Group). With over 60 years of local market presence,

AIA Bhd. has now become one of the country’s largest life

insurers, with a network of 23 branches nationwide. The

company focuses on designing new and innovative

products to meet the changing needs of the market. AIA

Bhd. is a member of the AIA Group.

About the AIA Group

AIA Group Limited and its subsidiaries (collectively “AIA” or

“Group” ) comprise the largest independent publicly listed

pan-Asian life insurance group in the world. It has

wholly-owned main operating subsidiaries or branches in 14

markets in Asia Pacific - Hong Kong, Thailand, Singapore,

Malaysia, China, Korea, the Philippines, Australia,

Indonesia, Taiwan, Vietnam, New Zealand, Macau and

Brunei and a 26% joint venture shareholding in India.

The business that is now AIA was first established in

Shanghai over 90 years ago. It is a market leader in the

Asia Pacific region (ex-Japan) based on life insurance

premiums and holds leading positions across the majority

of its markets. It had total assets of US$115,782 million as

of 31 May 2011.

AIA meets the savings and protection needs of individuals

by offering a range of products and services including

retirement planning, life insurance and accident and health

insurance. The Group also provides employee benefits,

credit life and pension services to corporate clients.

Through an extensive network of agents and employees

across Asia Pacific, AIA serves the holders of over 23

million individual policies and over 10 million participating

members of group schemes.

AIA Group Limited is listed on the Main Board of The Stock

Exchange of Hong Kong Limited under the stock code ‘1299’

with American Depositary Receipts (Level 1) being traded on

the over-the-counter market (ticker symbol: “AAGIY”).

Alor Setar

Wisma AIA

999 Jalan Telok Wanjah

05200 Alor Setar

Kedah Darul Aman

Tel: 04 - 735 5372

Fax: 04 - 731 9325

Batu Pahat

Wisma AIA

54A Jalan Rahmat

83000 Batu Pahat

Johor Darul Takzim

Tel: 07 - 431 1821

Fax: 07 - 433 1488

Bukit Mertajam

Wisma AIA

543 Jalan Sungai Rambai

14000 Bukit Mertajam

Seberang Perai

Tel: 04 - 538 6421

Fax: 04 - 538 9078

Ipoh

Wisma AIA

118 Jalan C M Yusuff

30250 Ipoh

Perak Darul Ridzuan

Tel: 05 - 255 7479

Fax: 05 - 255 9163

Johor Bahru

Wisma AIA

2 Jalan Bukit Timbalan

80000 Johor Bahru

Johor Darul Takzim

Tel: 07 - 227 8440

Fax: 07 - 223 7579

Klang

Ground Floor, Menara A&M

No 3, Jalan Istana

41000 Klang

Selangor Darul Ehsan

Tel: 03 - 3373 2367

Fax: 03 - 3371 7615

Kluang

Wisma AIA

230 Taman Kurnia

Jalan Mersing

86000 Kluang

Johor Darul Takzim

Tel: 07 - 774 5145

Fax: 07 - 772 0908

Kota Bharu

2nd and 3rd Floor

Lot 164, Section 8

Jalan Pintu Pong

15000 Kota Bharu

Kelantan Darul Naim

Tel: 09 - 747 3523

Fax: 09 - 747 0761

Kota Kinabalu

Wisma AIA

13 Jalan Karamunsing

88000 Kota Kinabalu

Sabah

Tel: 088 - 248 545

Fax: 088 - 221 775

Kuala Lumpur

Menara AIA

99 Jalan Ampang

50450 Kuala Lumpur

Tel: 03 - 2056 1111

Kuantan

Wisma AIA

103 Jalan Tun Ismail

25000 Kuantan

Pahang Darul Makmur

Tel: 09 - 517 8795

Fax: 09 - 515 7151

Kuching

Wisma AIA

216 Jalan Song Thian Cheok

93100 Kuching

Sarawak

Tel: 082 - 422 684

Fax: 082 - 245 408

Kulim

67-I Jalan Raya

09000 Kulim

Kedah Darul Aman

Tel: 04 - 495 9645

Fax: 04 - 491 2858

Melaka

Wisma AIA

96 Jalan Munshi Abdullah

75100 Melaka

Tel: 06 - 286 2364

Fax: 06 - 281 3088

Miri

Wisma AIA

Lot 663 Jalan Merbau

98000 Miri

Sarawak

Tel: 085 - 426 413

Fax: 085 - 414 355

Petaling Jaya

Level 3, Menara Axis

No 2, Jalan 51A/223

46100 Petaling Jaya

Tel: 03 - 7680 8686

Fax: 03 - 7680 8666

Pulau Pinang

Ground Floor

Wisma Leader

No 8, Jalan Larut

10050 Pulau Pinang

Tel: 04 - 222 6262

Fax: 04 - 222 6222

Sandakan

Wisma AIA

Block 30

Jalan Dua

90000 Sandakan

Sabah

Tel: 089 - 220 486

Fax: 089 - 218 308

Seremban

20 Jalan Dato' Lee Fong Yee

70000 Seremban

Negeri Sembilan

Darul Khusus

Tel: 06 - 763 5768

Fax: 06 - 764 4312

Sibu

17, 1st Floor

Jalan Bindang

(Brooke Drive 1)

96000 Sibu

Sarawak

Tel: 084 - 347 740

Fax: 084 - 343 900

Sungai Petani

Wisma AIA

8 Taman Patani Baru

Jalan Kampong Baru

08000 Sungai Petani

Kedah Darul Aman

Tel: 04 - 421 2327

Fax: 04 - 423 4257

Taiping

Wisma AIA

28 Jalan Long Jaafar

34000 Taiping

Perak Darul Ridzuan

Tel: 05 - 808 4845

Fax: 05 - 806 8988

Tawau

Wisma AIA,

TB 275 Block 29

Jalan Haji Karim

91000 Tawau

Sabah

Tel: 089 - 754 166

Fax: 089 - 752 949

We provide you what

you need to meet your

protection and financial

priorities

A regular premium investment-linked plan that safeguards you

throughout different phrases of life.

The Power of We

PT0810244

AIA Bhd. is licensed under the Insurance Act 1996

& regulated by the Central Bank (Bank Negara Malaysia).

Rev 1211

AIA.COM.MY


AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2 1

AIA Assurance Account 2 (AAA 2)

AIA Retirement Account 2 (ARA 2)

AIA Education Account 2 (AEA 2)

Investment-linked Plans

Anna has just entered the workforce. She has started planning her finances. With limited budget,

she needs an affordable insurance plan as her first insurance policy.

Joanne just gave birth to her first baby. While Joanne and her husband Bob are excited with

the arrival of their new family member, they understand that the joy also means increasing

responsibilities. As such, they are looking for a plan for their precious one to start saving for

future education need.

Rashid is a happy married man with two kids. At age 39, he is now planning for retirement.

To maintain the living quality after retirement, he wants a plan that offers lifelong guaranteed

income.

In life, our roles vary in different stages of life. You may be Anna the fresh graduate, Joanne the

mother or Rashid the pre-retiree. No matter what is your role, protection for yourself and your

loved ones should not be neglected.

AIA investment-linked plans (ILPs) give you the control and flexibility you need to take charge

of your life. Depending on your priorities, you can change the level of your protection and

investment from time to time to meet the changing needs.

WHAT IS AAA 2/ARA 2/AEA 2?

AIA investment-linked series comprised of 3 regular premium plans that are exclusively designed to

cater different needs of varying lifestyles:

No Plan Target Market

1 AIA Assurance Account 2 – AAA 2 Suitable for those seeking lifelong

protection

2 AIA Retirement Account 2 – ARA 2 Suitable for those wish to kick-start their

retirement savings plan

3 AIA Education Account 2 – AEA 2 Suitable for parents who want to build up

the education fund for their children


2

AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2

Each plan comes with 2 accounts, namely Protection Account and Savings Account:

No Account Description

1 Protection Account

2 Savings Account

Regular premium and ad hoc top-up (if any) will

be placed into this account where the account

value will be used to pay the monthly service

charge and cost of insurance.

A Saver Premium (Scheduled top-up) will be

placed into this account and will be allocated

to purchase units to maximize your investment

value.

Unless your consent is given in the application,

the account value of this account will not be

used to pay monthly service charge and cost of

insurance.

WHY AAA 2/ARA 2/AEA 2?

Anniversary Bonus

You are entitled for Anniversary Bonus – an additional 1% increase in the sum assured 1 every

year starting from the beginning of 2nd policy year onwards till 120% of the sum assured. The

Anniversary Bonus will be paid upon death, total and permanent disability (TPD) and critical illness

(only if critical life rider is attached at the point of policy inception) in addition to the sum assured.

This unique feature is offered to you without any additional cost of insurance.

Five years guaranteed coverage

Your basic policy and all rider(s) attached will continue to be in force 2 within the first five (5) policy

years, even though your account value is insufficient to cover all the policy charges.

Protection and investment flexibility

Your protection and investment level can be changed flexibly from time to time to suit your varying needs.

You may modify your protection level by either increasing or decreasing your sum assured; or

amend your investment level via top-ups and/or fund(s) switching whenever you want.

Potential investment returns

AIA ILPs give you the opportunities to reap potentially higher investment returns 3 by investing

in fund(s) of your choice. You can decide your preferred fund(s) based on your risk appetite,

investment horizon and financial goal from our wide range of fund selection. You may also switch

the fund(s) anytime to take advantage of the investment market.

To maximize your investment value, you can increase the ad hoc top up or A Saver Premium

(Scheduled top-up) as and when you require. 95% of the top-up amount will be allocated to

purchase the units of your chosen fund(s).

1

Subject to lower of initial sum assured or current sum assured, and is limited to RM500,000 per policy. The

Anniversary Bonus payable will be based on the policy year when the premium is last paid. However, the Anniversary

Bonus will not be payable upon surrender, lapse or maturity of the policy.

2

Subject to terms and conditions.

3

Not guaranteed and subject to the investment performance of the chosen fund(s). Please read the sales literature

which includes product benefits and objectives of the investment-linked fund. It is important to select a plan or a

combination of funds that suit your financial goals and risk profile.


AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2 3

Complete protection in one plan

Apart from the death and total and permanent disability (TPD) benefit 4 , you can further enhance

your protection level by adding the following optional benefits 5 :

• Critical Illness Coverage

Pay lump sum benefit upon diagnosis of the covered critical illness.

• Juvenile Illness Coverage (Child Health Guard)

Provide coverage on juvenile related Illnesses such as Kawasaki, Severe Juvenile

Rheumatoid Arthritis, Insulin Dependent Diabetes Mellitus and etc.

• Female Coverage

Pay lump sum benefit upon diagnosis of female related illness.

• Hospitalization and Surgical Benefit

Reimburse medical expenses in the event of hospitalization.

• Accident Benefit

Offer coverage for injury or death due to accidents.

• Disability Income Benefit

Pay income should the insured unfortunately become disabled.

Guaranteed income for retirement (ARA 2 only)

The Life Income option 6 allows you to enjoy your desired retirement life from as early as 40 years

old. Under this benefit, the account value of your policy will be converted into guaranteed life

income and is payable to you for as long as you live.

Privilege for conversion (AEA 2 only)

Upon maturity of the AEA 2, you have the privilege to continue your coverage by converting the

plan to AAA 2 or ARA 2 without evidence of insurability while enjoy 100% of premium allocation for

regular premium paid towards investment.

Note: Please refer to the policy contract for full details of the benefit coverage.

TOP-UPS

What are the types of top-up available?

There are 2 types of top-up available:

• Ad hoc top-up

• A Saver Premium (Scheduled top-up)

Types of top-up

Ad hoc top-up

A Saver Premium

(Scheduled top-up)

AAA 2 ARA 2 AEA 2

RM500 (Minimum)

Minimum amount is RM120 per annum in

multiple of RM12

Minimum amount is

RM600 per annum in

multiple of RM12

4

For standard life up to age 70 only.

5

Please take note that there are applicable exclusions and limitations for these benefits as specified in the policy contract.

6

This option will only be available if the account value is more than RM5,000 and the life income amount is more than

RM100, and the basic policy has been in force for at least 5 years. The life income may change according to the

account value and interest rate prevailing at the time you decide to enjoy this option.


4

AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2

Can I make a partial withdrawal?

Yes, partial withdrawal is allowed subject to minimum withdrawal amount of RM1,000 and the

remaining account value after withdrawal is at least RM1,000.

Am I allowed to switch my funds?

Yes, you can switch funds as and when you like without additional cost. The minimum switching

amount is RM50.

ELIGIBILITY

Am I eligible to apply?

Plan

Minimum

Entry Age (standard risk)

Maximum

AAA 2 4 weeks old 70 years old

ARA 2 18 years old 60 years old

AEA 2 4 weeks old 15 years old

The acceptance of your application is subject to the approval of our underwriters.

COVERAGE

When does my life insurance coverage start?

Your coverage starts from the date on which your completed and signed application form is

approved by us and when we have received the appropriate premium.

In the event of death of a child, will the basic sum assured payable in full for AAA 2 and AEA 2?

The basic sum assured payable will be based on the juvenile lien percentage as indicated in the

table below:

Age as at last birthday

Payable as a percentage

of the basic sum assured

Less than 1 year old 20%

1-year old 40%

2-year old 60%

3-year old 80%

4-year old or above 100%

PREMIUMS

How much premium do I have to pay?

Plan

AAA 2

ARA 2

AEA 2

Minimum Annual Premium

RM1,200

RM1,200

RM1,200 + RM600 (A Saver Premium (Scheduled top-up))


AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2 5

How my premium is allocated?

Premium paid by you will be divided into:

• Allocated premium – this amount will be used to purchase the units of your preferred

investment-linked fund(s).

• Unallocated premium – this amount is used to meet the Company’s expenses and direct

distribution cost, including the commissions payable to agent.

Regular Premium

Top-up Premium

(ad hoc top up

and A Saver

Premium)

Policy Year 1 2 3 4 5 6 7 and

above

Allocated 40% 40% 70% 75% 90% 90% 100%

Premium (% of

premium paid)

95%

Note: Unallocated premium is equivalent to premium paid less allocated premium.

What is the premium paying duration?

• AAA 2 and ARA 2: Premium duration is up to age 100

• AEA 2: Premium duration is up to age 25

What can I do if I fail to pay my premium after the due date?

If you fail to pay your premium after the expiration of grace period, your policy will be kept

in-force under Premium Holiday provided your account value is sufficient to cover the policy

charges. Nevertheless, there is possibility of your policy lapsing when the required charges,

exceed the account value available.

There are 2 options of Premium Holiday which you may select during the application:

• Premium Holiday with Basic – account value is used to cover the policy charges for basic

plan only, while the rider(s) will be terminated.

• Premium Holiday with Basic and Rider – account value is used to cover the policy charges

for both the basic plan and rider(s).

How can I pay the premiums?

Premiums can be paid in any one of the following methods:

a) In cash or cheque. For payment in cheque, please make it payable to “American International

Assurance Bhd.”

b) Autopay:

i) Credit card

ii) Auto Debit (HSBC, BSN and MBB)

c) Standing instruction

d) AIA Maybank Corporate Collection Account (AIA MCCA)

Your premium payments may be made once a year, twice a year, four times a year or once a

month.

Please note that for auto debit, standing instruction or AIA MCCA payment method, the following

additional conditions will apply:

• For payments made once a year, twice a year and four times a year: the first payment has to

be payable in cash or cheque.

• For payments made once a month, a minimum of the first 2 payments must be paid in cash

or cheque.


6

AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2

FEES & CHARGES

What are the fees and charges that I have to pay?

Type of fees/

charges

Cost of insurance

Purpose

To cover the cost of

protection

Amount

Vary according to age, smoking status, health

condition and gender.

Monthly service

charge

To cover the

administration costs of

maintaining your policy

Premium Mode

Annually

Semi-annually

Quarterly

Monthly

Amount

RM5

RM5

RM5

RM6

Annual fund

management charge

To cover the

administration costs of

investing and managing

your fund(s)

This is chargeable as a percentage of the net

asset value.

Please refer to the “Fund Fact Sheet” for details

of fund charges.

Note: Please refer to sales illustration for detailed fees and charges

TERMS & CONDITIONS

What are some of the key terms and conditions that I should be aware of?

• Importance of disclosure – you must disclose all material facts such as medical condition,

and state your age correctly.

• Free-look period – you may cancel your ILP policy by returning to us the policy contract and

giving us a written notice that has been signed by you. Both written notice and policy contract

must be received by us within 15 days after you have received the policy contract. We will

refund to you the unallocated premiums, the value of units that have been allocated (if any)

at unit price at the next valuation date and any cost of insurance charge and monthly service

charge that have been deducted less any medical fee incurred.

• Cash value – the cash value of the ILP policy depends on the performance of the investmentlinked

funds selected. The higher the level of insurance coverage selected, the fewer units

will remain to accumulate cash value under your policy.

• Policy lapse – the ILP policy will lapse when the value of investment units is insufficient to

pay for the insurance and other charges.

• Grace period – you are given a grace period of 31 days from the due date for payment of

each subsequent premium. If premium remains unpaid at the end of this grace period, the

policy may lapse, subject to the account value of the policy.

Note: This list is non-exhaustive. Please refer to the policy contract for the terms and

conditions.

EXCLUSIONS

What are the major exclusions?

The plans shall not cover:

i) Death caused by suicide within 1 year from the issue date or commencement date,

whichever is later.


AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2 7

ii) Any disability resulting from:

• Attempted self-destruction or self-inflicted injuries while sane or insane.

• Service in any armed forces or public order restoration.

• Activities connected to any aerial device or conveyance except as a passenger on a

commercial airline on an established passenger route.

• Any congenital defect which has manifested or was diagnosed before the insured attains

seventeen (17) years of age.

iii) Pre-existing disability resulting from a physical or mental condition.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions.

CANCELLATION

Can AIA cancel my policy?

No.

Can I surrender my policy?

Buying a regular premium investment-linked policy is a long-term financial commitment. If you

do not pay your premiums within the grace period, your policy may lapse unless your policy’s

account value is sufficient to cover the cost of insurance and other fees and charges. You may

surrender your policy at any time by writing in to us. However, it is not advisable to hold this

policy for a short period of time in view of the high initial costs. Upon early surrender, you may

receive less than the premiums paid.

CLAIMS

How do I make a claim?

You need to complete the relevant claims forms which you can obtain from your AIA agent, by

calling the AIA Customer Service Hotline at 1300-88-1899 or visit any AIA branch. You will find a

list of AIA branches in Malaysia on the back of this brochure.

What other documentation is required to be submitted together with the claim?

In addition to the relevant claims forms, we need additional medical reports (as listed at the back

of the claims form) to support the claim.

When do I have to notify AIA of a claim?

In the event of a claim, it is advisable that you notify us immediately + .

+

The notification period varies in accordance with types of claim made. Please refer to the policy contract for details.

TAX RELIEF

Is the premium paid for this policy eligible for income tax relief?

The plans may qualify you for personal tax relief subject to the final decision of the Inland

Revenue Board.

For AEA 2, in order to qualify for the education or medical tax relief, the policy must mature

between the ages of 13 to 25 years of the child. A payor benefit rider with the same duration as

the basic plan must be attached.

INFORMATION

What do I need to do if there are changes to my contact details?

It is important that you inform us of any change in your contact details to ensure that all

correspondences reach you in a timely manner.


8

AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2

Where can I get further information?

About AIA ILPs

Should you require additional information on AIA ILPs or any other AIA insurance plans or riders,

you can contact your AIA agent, or our AIA Customer Service Hotline at 1300-88-1899 or visit

any AIA branch nationwide. You will find a list of AIA branches on the back of this brochure. You

can also contact us via email by visiting www.aia.com.my.

About Investment-Linked Insurance

Should you require additional information about investment-linked insurance, you may also refer

to the insuranceinfo booklet on ‘Investment-linked Insurance’ available at all our branches or you

can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my.

IMPORTANT NOTE:

THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE

UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT

TRUSTS. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF

THAT THE INVETSMENT-LINKED PLAN CHOSEN MEETS YOUR RISK APPETITE, AND

THAT YOU CAN AFFORD THE PREMIUMS THROUGHOUT THE POLICY DURATION. TO

INCREASE INVETSMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE

ADDITIONAL PREMIUMS AS ‘TOP-UPS’. RETURN ON AN INVESTMENT-LINKED FUND IS NOT

GUARANTEED.

YOU ARE ALSO ADVISED TO READ THIS DOCUMENT TOGETHER WITH THE FUND FACT

SHEET AS IT CONTAINS ALL THE IMPORTANT INFORMATION THAT YOU WILL NEED TO

KNOW REGARDING THE INVESTMENT FUND.


AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2 9

AIA ASSURANCE ACCOUNT 2 (AAA 2)

AIA RETIREMENT ACCOUNT 2 (ARA 2)

AIA EDUCATION ACCOUNT 2 (AEA 2)

Pelan Berkaitan Pelaburan

Anna baru sahaja menyertai tenaga kerja. Dia sudah mula merancang pelan kewangannya.

Dengan bajet yang terhad, dia memerlukan satu pelan insurans yang dia mampu memiliki

sebagai polisi insurans pertamanya.

Joanne baru menyambut bayi pertamanya. Walaupun Joanne dan suami Bob teruja dengan

kedatangan ahli keluarga baru mereka, mereka memahami bahawa kegembiraan juga

bermakna tanggungjawab yang semakin bertambah. Oleh itu, mereka sedang mencari pelan

untuk mula menabung bagi keperluan pendidikan masa depan anak kesayangan mereka.

Rashid ialah seorang lelaki berumahtangga bahagia yang mempunyai dua orang anak. Pada

usia 39, dia kini merancang untuk persaraan. Untuk mengekalkan kualiti hidup selepas bersara,

dia ingin memiliki satu pelan yang menawarkan pendapatan terjamin sepanjang hayat.

Dalam kehidupan, peranan kita berbeza dalam kitaran kehidupan yang berbeza. Anda mungkin

ialah Anna yang baru menamatkan pelajaran, Joanne yang baru menjadi ibu atau Rashid

seorang pesara awal. Walau apapun peranan anda, perlindungan untuk anda sendiri dan orang

tersayang anda tidak harus diabaikan.

Pelan berkaitan pelaburan (ILP) AIA memberi anda kawalan dan fleksibiliti yang anda perlu untuk

mengurus kehidupan anda. Bergantung kepada keutamaan anda, anda boleh menukar tahap

perlindungan dan pelaburan anda dari masa ke semasa untuk memenuhi keperluan yang berubahubah.

APAKAH AAA 2/ARA 2/AEA 2?

Siri berkaitan pelaburan AIA terdiri daripada 3 pelan premium tetap yang direka semata-mata untuk

memenuhi keperluan berbeza atas sebab gaya hidup yang berbeza:

No Pelan Sasaran Pasaran

1 AIA Assurance Account 2 – AAA 2 Sesuai untuk mereka yang mencari

perlindungan sepanjang hayat

2 AIA Retirement Account 2 – ARA 2 Sesuai untuk mereka yang ingin

memulakan pelan simpanan persaraan

mereka

3 AIA Education Account 2 – AEA 2 Sesuai untuk mereka yang mahu

membina dana pendidikan untuk anak

mereka


10

AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2

Setiap pelan dilengkapi dengan 2 akaun iaitu Akaun Perlindungan dan Akaun Simpanan:

No Akaun Butiran

1 Akaun Perlindungan

2 Akaun Simpanan

Premium tetap dan tambah nilai ad hoc (jika ada)

akan dimasukkan ke dalam akaun ini di mana

nilai akaun akan digunakan untuk membayar caj

perkhidmatan bulanan dan kos insurans.

Premium A Saver (Tambah nilai berjadual)

akan dimasukkan ke dalam akaun ini dan akan

diperuntukkan untuk membeli unit-unit untuk

memaksimumkan nilai pelaburan anda.

Melainkan jika persetujuan anda diberi semasa

permohonan, nilai akaun untuk akaun ini

tidak akan digunakan untuk membayar caj

perkhidmatan bulanan dan kos insurans.

MENGAPA AAA 2/ARA 2/AEA 2?

Bonus Ulang Tahun

Anda layak mendapatkan Bonus Ulang Tahun - tambahan 1% dalam jumlah yang diinsuranskan 1

setiap tahun bermula dari awal tahun polisi ke-2 sehingga 120% daripada jumlah yang

diinsuranskan. Bonus Ulang Tahun akan dibayar sebagai tambahan kepada jumlah yang

diinsuranskan untuk kematian, hilang upaya menyeluruh dan kekal (TPD) dan penyakit kritikal

(hanya jika rider penyakit kritikal dilampirkan pada permulaan polisi).

Ciri unik ini ditawarkan kepada anda tanpa sebarang kos insurans tambahan.

Perlindungan terjamin lima tahun

Polisi asas anda dan semua rider yang dilampirkan akan terus berkuatkuasa 2 dalam tempoh lima

(5) tahun pertama polisi, walaupun nilai akaun anda tidak mencukupi untuk membayar semua caj

polisi.

Fleksibiliti perlindungan dan pelaburan

Tahap perlindungan dan pelaburan anda boleh ditukar secara fleksibel dari masa ke semasa untuk

memenuhi keperluan anda yang berbeza.

Anda boleh menukar tahap perlindungan anda dengan sama ada menambahkan atau

mengurangkan jumlah yang diinsuranskan anda; atau mengubah tahap pelaburan anda melalui

tambah nilai dan/atau pertukaran dana pada bila-bila masa anda mahu.

Pulangan pelaburan berpotensi

ILP AIA memberi anda peluang untuk memperolehi pulangan 3 pelaburan berpotensi yang lebih

tinggi dengan melabur dalam dana pilihan anda. Anda boleh menentukan dana pilihan anda

berdasarkan selera risiko, horizon pelaburan dan matlamat kewangan anda dari pelbagai pilihan

dana kami. Anda juga boleh menukar dana pada bila-bila masa untuk mengambil kesempatan

daripada pasaran pelaburan.

1

Tertakluk kepada mana yang lebih rendah, jumlah diinsuranskan asal atau jumlah diinsuranskan semasa, dan terhad

kepada RM500, 000 setiap polisi. Bonus Ulang Tahun akan dibayar berdasarkan tahun polisi di mana premium terakhir

dibayar. Walau bagaimanapun, Bonus Ulang Tahun tidak akan dibayar apabila polisi diserahkan, luput atau matang.

2

Tertakluk kepada terma-terma dan syarat-syarat.

3

Tidak dijamin dan tertakluk kepada prestasi pelaburan dana yang dipilih. Sila baca ilustrasi jualan yang termasuk

faedah produk dan objektif dana berkaitan pelaburan. Adalah penting untuk memilih pelan atau gabungan dana yang

bersesuaian dengan matlamat kewangan dan profil risiko anda.


AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2 11

Untuk memaksimumkan nilai pelaburan anda, anda boleh membuat tambah nilai ad hoc atau

menambahkan Premium A Saver (tambah nilai berjadual) pada bila-bila masa anda memerlukan.

95% daripada jumlah tambah nilai akan diperuntukkan untuk membeli unit-unit dana yang anda pilih.

Perlindungan yang lengkap dalam satu pelan

Selain daripada faedah 4 kematian dan hilang upaya menyeluruh dan kekal (TPD), anda boleh

meningkatkan lagi tahap perlindungan anda dengan menambah faedah pilihan 5 berikut:

• Perlindungan Penyakit Kritikal

Membayar faedah sekali gus manfaat apabila didiagnoskan dengan penyakit kritikal yang

dilindungi.

• Perlindungan Penyakit Juvenil (Child Health Guard)

Memberi perlindungan atas penyakit berkaitan juvenil seperti Kawasaki, Artritis Reumatoid

Juvenil yang Teruk, Diabetes Melitus Bergantung Insulin dan lain-lain.

• Perlindungan Wanita

Membayar faedah sekali gus apabila didiagnoskan dengan penyakit berkaitan wanita.

• Faedah Hospital dan Pembedahan

Membayar balik perbelanjaan perubatan sekiranya dimasukkan ke hospital.

• Faedah Kemalangan

Menawarkan perlindungan bagi kecederaan atau kematian akibat kemalangan.

• Faedah Pendapatan Hilang Upaya

Membayar pendapatan jika insured hilang upaya.

Pendapatan terjamin untuk persaraan (ARA 2 sahaja)

Opsyen Pendapatan Hayat 6 membolehkan anda menikmati kehidupan persaraan yang anda

ingini seawal umur 40 tahun. Di bawah faedah ini, nilai akaun polisi anda akan ditukarkan kepada

pendapatan hayat terjamin dan akan dibayar kepada anda sepanjang hayat anda.

Keistimewaan untuk penukaran (AEA 2 sahaja)

Apabila AEA 2 matang, anda mempunyai keistimewaan untuk meneruskan perlindungan anda

dengan menukar pelan kepada AAA 2 atau ARA 2 tanpa bukti insurabiliti sambil menikmati 100%

premium berkala diperuntukkan untuk pelaburan.

Nota: Sila rujuk kepada kontrak polisi untuk butir-butir penuh perlindungan faedah.

4

Hanya untuk hayat standard sehingga umur 70 tahun.

5

Sila ambil perhatian bahawa terdapat pengecualian dan had yang berkenaan untuk faedah ini sebagaimana yang

dinyatakan dalam kontrak polisi.

6

Faedah ini hanya akan disediakan jika nilai akaun adalah lebih daripada RM5, 000 dan jumlah pendapatan hayat

adalah lebih daripada RM100, dan polisi asas telah berkuatkuasa selama sekurang-kurangnya 5 tahun. Pendapatan

hayat boleh berubah mengikut nilai akaun dan kadar faedah semasa anda berkeputusan untuk menikmati opsyen ini.


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AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2

TAMBAH NILAI

Apakah jenis tambah nilai yang tersedia ada?

Terdapat 2 jenis kemudahan tambah nilai:

• Tambah nilai ad hoc

• Premium A Saver (Tambah nilai berjadual)

Jenis tambah nilai

Tambah nilai ad hoc

A Saver Premium

(Tambah nilai

berjadual)

AAA 2 ARA 2 AEA 2

RM500 (Minimum)

Jumlah minimum adalah RM120 setiap tahun

dalam gandaan RM12

Jumlah minimum

adalah RM600 setiap

tahun dalam gandaan

RM12

Bolehkah saya membuat pengeluaran separa?

Ya, pengeluaran separa adalah dibenarkan dengan syarat bahawa jumlah pengeluaran minimum

adalah RM1,000 dan baki nilai akaun selepas pengeluaran adalah sekurang-kurangnya RM1,000.

Adakah saya dibenarkan menukar dana saya?

Ya, anda boleh menukar dana pada bila-bila masa anda mahu tanpa sebarang kos. Jumlah

penukaran minimum adalah RM50.

KELAYAKAN

Adakah saya layak memohon?

Pelan

Minimum

Umur Penyertaan (risiko standard)

Maksimum

AAA 2 4 minggu 70 tahun

ARA 2 18 tahun 60 tahun

AEA 2 4 minggu 15 tahun

Penerimaan permohonan anda tertakluk kepada kelulusan penajajaminan kami.


AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2 13

PERLINDUNGAN

Bilakah perlindungan insurans hayat saya bermula?

Perlindungan anda bermula dari tarikh di mana borang permohonan anda yang telah

dilengkapkan dan ditandatangani diluluskan oleh kami dan apabila kami menerima premium

yang sewajarnya.

Sekiranya berlaku kematian anak yang diinsuranskan, adakah jumlah asas yang

diinsuranskan akan dibayar?

Jumlah asas yang diinsuranskan akan dibayar berdasarkan peratusan lien juvenil seperti yang

ditunjukkan dalam jadual di bawah ini:

Umur pada hari lahir terakhir

Peratusan daripada jumlah asas

yang diinsuranskan yang akan dibayar

Kurang daripada 1 tahun 20%

1 tahun 40%

2 tahun 60%

3 tahun 80%

4 tahun dan ke atas 100%

PREMIUM

Berapakah premium yang perlu saya bayar?

Pelan

AAA 2

ARA 2

AEA 2

Premium Tahunan Minimum

RM1,200

RM1,200

RM1,200 + RM600 (A Saver Premium (Tambah nilai berjadual))

Bagaimanakah premium saya diperuntukkan?

Premium yang anda bayar akan dibahagikan kepada:

• Premium teruntuk – jumlah ini akan digunakan untuk membeli unit-unit dalam dana berkaitan

pelaburan pilihan anda.

• Premium tidak teruntuk – jumlah ini digunakan untuk membayar perbelanjaan Syarikat dan

kos pengedaran langsung, termasuk komisen bayar kepada ejen.

Premium Berkala

Premium

Tambah Nilai

(tambah nilai

ad hoc dan

Premium A

Saver)

Tahun Polisi 1 2 3 4 5 6 7 dan

ke atas

Premium 40% 40% 70% 75% 90% 90% 100%

Teruntuk

(% daripada

premium yang

95%

telah bayar)

Nota: Premium tidak teruntuk adalah bersamaan dengan premium yang telah dibayar ditolak

premium teruntuk.


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AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2

Berapa lamakah tempoh pembayaran premium?

• AAA 2 dan ARA 2: Tempoh pembayaran premium adalah sehingga umur 100

• AEA 2: Tempoh pembayaran premium adalah sehingga umur 25

Apa yang boleh saya lakukan jika saya gagal membayar premium saya selepas tarikh genap

tempoh ihsan?

Jika anda gagal membayar premium anda selepas tempoh ihsan, polisi anda akan terus

berkuatkuasa di bawah Cuti Premium dengan syarat bahawa nilai akaun anda adalah

mencukupi untuk membayar caj polisi. Walau bagaimanapun, ada kemungkinan polisi anda

luput apabila caj yang diperlukan, melebihi nilai akaun yang tersedia ada.

Terdapat 2 pilihan Cuti Premium yang anda boleh pilih semasa permohonan:

• Cuti Premium dengan Polisi Asas - nilai akaun digunakan untuk membayar caj polisi bagi

pelan asas sahaja, manakala rider akan ditamatkan.

• Cuti Premium dengan Polisi Asas dan Rider - nilai akaun digunakan untuk membayar caj

polisi bagi kedua-dua pelan asas dan rider.

Bagaimana boleh saya membayar premium?

Premium boleh dibayar dengan mana-mana satu cara berikut:

a) Secara tunai atau dengan cek. Bagi bayaran dengan cek, sila bayar atas nama “American

International Assurance Bhd.”

b) Bayaran automatik:

i) Kredit Kad

ii) Autodebit (HSBC, BSN and MBB)

c) Arahan tetap

d) Akaun Kutipan Korporat AIA Maybank (AIA MCCA)

Bayaran premium anda boleh dibuat sekali setahun, dua kali setahun, empat kali setahun atau

sekali sebulan.

Sila ambil perhatian bahawa untuk autodebit, arahan tetap atau kaedah bayaran AIA MCCA,

syarat-syarat tambahan berikut akan dikenakan:

• Bagi bayaran yang dibuat sekali setahun, dua kali setahun dan empat kali setahun: bayaran

pertama hendaklah dibuat secara tunai atau dengan cek.

• Bagi bayaran yang dibuat sekali sebulan, minimum 2 bayaran pertama hendaklah dibuat

secara tunai atau dengan cek.


AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2 15

YURAN DAN CAJ

Apakah yuran dan caj yang perlu saya bayar?

Jenis Yuran/Caj

Kos insurans

Caj perkhidmatan

bulanan

Caj pengurusan dana

tahunan

Matlamat

Untuk membayar kos

perlindungan

Untuk membayar

kos pentadbiran bagi

mengekalkan polisi

anda

Untuk membayar

kos pentadbiran bagi

melaburkan dan

menguruskan dana

anda

Jumlah

Berubah berdasarkan umur, status perokok,

keadaan kesihatan dan jantina.

Mod Bayaran

Tahunan

Setengah Tahunan

Suku Tahunan

Bulanan

Jumlah

RM5

RM5

RM5

RM6

Ini dicajkan sebagai peratusan daripada nilai

asset bersih.

Sila rujuk kepada “Lembaran Fakta Dana” untuk

butiran bagi caj dana.

TERMA DAN SYARAT

Apakah antara terma-terma dan syarat-syarat penting yang perlu saya ketahui?

• Kepentingan pendedahan – anda mesti mendedahkan semua fakta-fakta penting seperti

keadaan kesihatan dan menyatakan umur anda dengan betul.

• Tempoh percubaan – anda boleh membatalkan polisi ILP anda dengan mengembalikan

kami kontrak polisi dan memberikan kami notis bertulis yang telah anda tandatangani. Kami

mesti menerima kedua-dua notis bertulis dan kontrak polisi dalam tempoh 15 hari selepas

anda menerima kontrak polisi tersebut. Kami akan membayar balik anda premium yang tidak

diperuntukkan, nilai unit yang telah diperuntukkan (jika ada) berdasarkan harga unit pada

tarikh penilaian yang berikut, sebarang kos insurans dan caj perkhidmatan bulanan yang

telah ditolak, dan tolak sebarang bayaran perubatan yang terlibat.

• Nilai tunai – nilai tunai polisi ILP bergantung kepada prestasi dana berkaitan pelaburan yang

dipilih. Lebih tinggi tahap perlindungan insurans yang dipilih, makin kurangnya unit yang

kekal untuk mengumpul nilai tunai di bawah polisi anda.

• Tempoh ihsan – anda diberi tempoh ihsan selama 31 hari dari tarikh genap tempoh bagi

pembayaran setiap premium berikutnya. Jika premium tidak dibayar pada akhir tempoh ihsan

polisi ini, polisi ini mungkin luput, tertakluk kepada nilai tunai polisi.

Nota: Senarai ini adalah tidak terperinci. Sila rujuk kepada kontrak polisi untuk terma-terma dan

syarat-syarat.

PENGECUALIAN

Apakah pengecualian-pengecualian utama?

Pelan ini tidak akan melindungi:

i) Kematian yang disebabkan oleh membunuh diri dalam tempoh 1 tahun dari tarikh penyertaan

atau tarikh mula, yang mana lebih lewat.

ii) Sebarang hilang upaya akibat:

• Percubaan pembinasaan diri atau kecederaan diri semasa siuman atau tidak siuman.

• Berkhidmat dengan angkatan bersenjata atau pemulihan ketenteraman awam.

• Aktiviti yang berkaitan dengan sebarang peranti atau pengangkutan udara kecuali

sebagai penumpang dalam penerbangan komersial melalui laluan penumpang yang

ditetapkan.


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AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2

• Sebarang kecacatan congenital yang telah kelihatan atau didiagnoskan sebelum insured

mencapai umur tujuh belas (17) tahun.

iii) Hilang upaya yang sedia ada akibat keadaan fizikal atau mental.

Nota: Senarai ini adalah tidak terperinci. Sila rujuk kepada kontrak polisi untuk senarai

pengecualian yang sepenuhnya.

PEMBATALAN

Bolehkan AIA membatalkan polisi saya?

Tidak.

Bolehkah saya menyerahkan polisi saya?

Membeli polisi berkaitan pelaburan premium tetap merupakan komitmen kewangan jangka

panjang. Jika anda tidak membayar premium anda dalam tempoh ihsan, polisi anda mungkin

luput melainkan nilai akaun polisi anda adalah mencukupi untuk membayar kos insurans dan

yuran dan caj lain. Anda boleh menyerahkan polisi anda pada bila-bila masa dengan menulis

kepada kami. Walau bagaimanapun, adalah tidak digalakkan untuk memegang polisi ini untuk

tempoh masa yang singkat memandangkan kos permulaan yang tinggi. Setelah penyerahan

awal, anda mungkin menerima kurang daripada premium yang dibayar.

TUNTUTAN

Bagaimana saya membuat tuntutan?

Anda perlu melengkapkan borang tuntutan yang berkaitan di mana anda boleh mendapati

daripada ejen AIA anda, menelefon Hotline Perkhidmatan Pelanggan AIA di 1300-88-1899 atau

mengunjungi mana-mana cawangan AIA. Anda boleh mendapatkan senarai cawangan AIA di

Malaysia di belakang brosur ini.

Apakah dokumen lain yang perlu diserahkan bersama dengan tuntutan?

Di samping borang tuntutan yang berkaitan, kami juga memerlukan laporan perubatan (seperti

yang dinyatakan di belakang borang tuntutan) untuk menyokong tuntutan.

Bilakah saya perlu memberitahu AIA mengenai tuntutan?

Sekiranya berlaku tuntutan, anda hendaklah memberitahu kami dengan segera + .

+

Tempoh pemberitahuan berbeza mengikut jenis tuntutan yang dibuat. Sila rujuk kepada kontrak polisi untuk butiran.

PELEPASAN CUKAI

Adakah premium yang dibayar untuk polisi ini layak mendapat pelepasan cukai pendapatan?

Polisi ini mungkin melayakkan anda untuk pelepasan cukai perseorangan tertakluk kepada

keputusan muktamad Lembaga Hasil Dalam Negeri.

Bagi AEA 2, untuk layak mendapatkan pelepasan cukai pendidikan atau perubatan, polisi

mestilah matang di antara umur anak 13 hingga 25 tahun. Rider faedah pembayar dengan

tempoh yang sama seperti pelan asas mestilah dilampirkan.

MAKLUMAT

Apa yang perlu saya lakukan jika butir-butir hubungan saya bertukar?

Adalah penting bagi anda memaklumkan kami mengenai sebarang pertukaran butir-butir

hubungan anda untuk memastikan semua surat-menyurat sampai kepada anda tepat pada

masanya.


AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2 17

Di mana saya boleh mendapatkan maklumat lanjut?

Mengenai ILP AIA

Sekiranya anda memerlukan maklumat tambahan mengenai ILP AIA atau mana-mana pelan

insurans atau rider AIA yang lain, anda boleh menghubungi ejen AIA anda, atau menelefon

Hotline Perkhidmatan Pelanggan AIA kami di 1300-88-1899 atau mengunjungi mana-mana

cawangan AIA di seluruh negara. Anda boleh mendapatkan senarai cawangan AIA di belakang

brosur ini. Anda juga boleh menghubungi kami melalui emel dengan melayari www.aia.com.my.

Mengenai Insurans Berkaitan Pelaburan

Sekiranya anda memerlukan maklumat tambahan mengenai insurans berkaitan pelaburan, anda

juga boleh merujuk buku kecil insuranceinfo mengenai ‘Insurans Berkaitan Pelaburan’ yang

boleh didapati di semua cawangan kami atau anda boleh mendapatkan satu naskah daripada

ejen anda atau kunjungi www.insuranceinfo.com.my.

NOTA PENTING:

INI ADALAH PRODUK INSURANS YANG DIKAITKAN DENGAN PRESTASI ASET-ASET

PENDASAR, DAN BUKANNYA PRODUK PELABURAN TULEN SEPERTI UNIT AMANAH.

ANDA MESTI MENILAI PILIHAN ANDA DENGAN TELITI DAN MEMASTIKAN BAHAWA PELAN

BERKAITAN PELABURAN YANG DIPILIH MENEPATI SELERA RISIKO ANDA, DAN ANDA

MAMPU MEMBAYAR PREMIUM SEPANJANG TEMPOH POLISI. UNTUK MENINGKATKAN NILAI

PELABURAN PADA BILA-BILA MASA, ANDA DINASIHATKAN SUPAYA MEMBAYAR PREMIUM

TAMBAHAN SEBAGAI ‘TAMBAH NILAI’. PULANGAN DANA BERKAITAN PELABURAN ADALAH

TIDAK DIJAMIN.

ANDA JUGA DINASIHATKAN SUPAYA MEMBACA DOKUMEN INI BERSAMA DENGAN

LEMBARAN FAKTA DANA KERANA IA MENGANDUNGI SEMUA MAKLUMAT PENTING YANG

PERLU ANDA KETAHUI MENGENAI DANA PELABURAN.


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AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2

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