Brochure: AAA2 / ARA2 / AEA2

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.