Brochure: AAA2 / ARA2 / AEA2
Brochure: AAA2 / ARA2 / AEA2
Brochure: AAA2 / ARA2 / AEA2
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2<br />
AIA Assurance Account 2 / AIA Retirement Account 2 / AIA Education Account 2<br />
Each plan comes with 2 accounts, namely Protection Account and Savings Account:<br />
No Account Description<br />
1 Protection Account<br />
2 Savings Account<br />
Regular premium and ad hoc top-up (if any) will<br />
be placed into this account where the account<br />
value will be used to pay the monthly service<br />
charge and cost of insurance.<br />
A Saver Premium (Scheduled top-up) will be<br />
placed into this account and will be allocated<br />
to purchase units to maximize your investment<br />
value.<br />
Unless your consent is given in the application,<br />
the account value of this account will not be<br />
used to pay monthly service charge and cost of<br />
insurance.<br />
WHY AAA 2/ARA 2/AEA 2?<br />
Anniversary Bonus<br />
You are entitled for Anniversary Bonus – an additional 1% increase in the sum assured 1 every<br />
year starting from the beginning of 2nd policy year onwards till 120% of the sum assured. The<br />
Anniversary Bonus will be paid upon death, total and permanent disability (TPD) and critical illness<br />
(only if critical life rider is attached at the point of policy inception) in addition to the sum assured.<br />
This unique feature is offered to you without any additional cost of insurance.<br />
Five years guaranteed coverage<br />
Your basic policy and all rider(s) attached will continue to be in force 2 within the first five (5) policy<br />
years, even though your account value is insufficient to cover all the policy charges.<br />
Protection and investment flexibility<br />
Your protection and investment level can be changed flexibly from time to time to suit your varying needs.<br />
You may modify your protection level by either increasing or decreasing your sum assured; or<br />
amend your investment level via top-ups and/or fund(s) switching whenever you want.<br />
Potential investment returns<br />
AIA ILPs give you the opportunities to reap potentially higher investment returns 3 by investing<br />
in fund(s) of your choice. You can decide your preferred fund(s) based on your risk appetite,<br />
investment horizon and financial goal from our wide range of fund selection. You may also switch<br />
the fund(s) anytime to take advantage of the investment market.<br />
To maximize your investment value, you can increase the ad hoc top up or A Saver Premium<br />
(Scheduled top-up) as and when you require. 95% of the top-up amount will be allocated to<br />
purchase the units of your chosen fund(s).<br />
1<br />
Subject to lower of initial sum assured or current sum assured, and is limited to RM500,000 per policy. The<br />
Anniversary Bonus payable will be based on the policy year when the premium is last paid. However, the Anniversary<br />
Bonus will not be payable upon surrender, lapse or maturity of the policy.<br />
2<br />
Subject to terms and conditions.<br />
3<br />
Not guaranteed and subject to the investment performance of the chosen fund(s). Please read the sales literature<br />
which includes product benefits and objectives of the investment-linked fund. It is important to select a plan or a<br />
combination of funds that suit your financial goals and risk profile.
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