AIA Guaranteed Protect Plus III – Protection and Wealth Growth.
Choose to make insurance payments in 15 years, 20 years or 25 years and further increase your coverage with optional riders.
AIA Guaranteed Protect Plus (III) – A comprehensive whole life insurance plan with up to 5 times boosted coverage to the age of 65 or 75.
AIA Guaranteed Protect Plus (III) is designed as an affordable one-stop solution that offers boosted protection and guaranteed cash value accumulation based on your needs. Its unique multiplier feature gives you the ability to double your coverage, giving you the protection when you need it most.
- Multiplier coverage: Additional 2X, 3X, 4X or 5X protection up till age 65 or 75
- Premium term: Pay premiums for 15, 20 or 25 years
| AIA Guaranteed Protect Plus (III) (Product details at a glance) | ||
| Cash value and Withdrawal benefit(s) | Yes | No |
|---|---|---|
| Policy cash value | ||
| Choice of premium/ payment terms | ||
| Options for coverage multipliers | ||
| Options to increase coverage at life stages | ||
| Conversion to retirement income/ savings plan | X | |
| Health and Insurance coverage(s) | Yes | No |
| Death coverage | ||
| Total and Permanent Disability coverage | ||
| Terminal Illness coverage | ||
| Critical Illness coverage | ||
| Early Critical Illness coverage | ||
| Optional insurance rider(s) | Yes | No |
| Insurance riders to enhance coverage | ||
| Additional product feature(s) | Yes | No |
| Flexible premium terms - Choose from premium term of 15 years 20 years or 25 years | ||
| Choose from multiplier of 2x to 5x | ||
| Option to purchase additional coverage with no underwriting during milestone events | ||
Additional product feature(s) on AIA Guaranteed Protect Plus III
Detailed features and unique selling points of AIA Guaranteed Protect Plus III:
Milestone benefit
- You may increase your sum assured coverage without proof of good health at life’s milestones (i.e. getting married, having a child, etc.
Retirement income option
- Upon reaching retirement age, choose to convert 50% or 100% of your policy cash value into 10 yearly income payout
Additional riders for AIA Guaranteed Protect Plus III
The following riders can be added to your AIA Guaranteed Protect Plus III at an additional cost for greater protection towards your coverage goals:
- Early Critical Protector Life (III)
- Critical Protector Life (III)
- Critical Protector Waiver of Premium (II)
- Early Critical Protector Waiver of Premium (II)
Who should take up AIA Guaranteed Protect Plus III?
AIA Guaranteed Protect Plus III is a whole life plan. This category of insurance plans are suitable or unsuitable depending on the following factors:
AIA Guaranteed Protect Plus III is suitable for
- High insurance coverage against Death and Terminal Illness
- High insurance coverage against Early Critical Illness, Critical Illness and Total and Permanent Disability
- Paying premiums over a set amount of time for lifetime insurance coverage
- Accumulate cash value and non-guaranteed bonuses that can be surrendered for profit at later stages
AIA Guaranteed Protect Plus III is not suitable for
- High surrender value at early stages
- Flexible access or withdrawal of funds
- Higher potential returns compared to an investment-linked policy
- Low premiums for amount of coverage compared to a term life plan
Sample policy illustration for AIA Guaranteed Protect Plus III
Coming soon.
Learn more about AIA Guaranteed Protect Plus III
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