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 


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 


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 


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 


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.


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 


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% 



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))


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 


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.


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 


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 (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 


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.


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.

12 


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.


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.

14 


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.


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.

16 


• 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.


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.

18 

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

AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2 19

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Brochure: AAA2 / ARA2 / AEA2

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