AIA Retirement Saver (III) – Starting planning for your retirement.
Pay your insurance premium in a lump sum, 5 or 10 years and receive a guaranteed stream of income for 15 years.
Start your retirement plan with AIA Retirement Saver (III) by choosing your monthly income, as well as the age to begin receiving it at 55, 60, 65 or 70.
We all live life differently and have our own retirement dreams. But how do you find just the right savings plan to make your dream a reality? It’s time to stop searching. Take charge of your savings to make your retirement fit your dreams. AIA Retirement Saver (III) can be tailored to fit your future, bringing you closer to your retirement goals through every life stage. So get started now. It couldn’t be simpler.
- Premium term (You pay an insurance premium for): In a single lump sum, over 5 or 10 years
- Policy term (You receive a retirement income for): 15 years
- Retirement income payout age: 55, 60, 65 or 70
- Retirement income payout mode: Monthly
| AIA Retirement Saver (III) (Product details at a glance) | ||
| Cash value and Withdrawal benefit(s) | Yes | No |
|---|---|---|
| Policy cash value | ||
| Surrender value | ||
| Regular retirement income payouts (Monthly/ Yearly) | ||
| Health and Insurance coverage(s) | Yes | No |
| Death coverage | ||
| Total and Permanent Disability coverage | X | |
| Terminal Illness coverage | X | |
| Critical Illness coverage | X | |
| Early Critical Illness coverage | X | |
| Optional insurance rider(s) | Yes | No |
| Insurance riders to enhance coverage | ||
| Additional product feature(s) | Yes | No |
| Capital guaranteed upon retirement age | ||
| No medical underwriting required | ||
Additional product feature(s) on AIA Retirement Saver (III)
Detailed features and unique selling points of AIA Retirement Saver (III):
Capital guaranteed upon retirement age
- The policy is capital guaranteed upon you reaching the selected retirement payout age with a potential total yield of up to 4.69% p.a. over the policy lifetime.
No medical underwriting required
- You can purchase this plan irregardless of your health condition with no medical checkup required (If riders are not taken up).
Additional riders for AIA Retirement Saver (III)
The following riders can be added on to your AIA Retirement Saver (III) at an additional cost for greater assurance to your retirement goals:
- Critical Protector Waiver of Premium – Protect your retirement dreams by adding on Critical Protector Waiver of Premium to take care of all your future premiums upon the diagnosis of any of the 42 critical illnesses.
Who should take up an AIA Retirement Saver (III)?
AIA Retirement Saver (III) is a retirement income plan. This category of insurance plans are suitable or unsuitable depending on the following factors:
AIA Retirement Saver (III) is suitable for
- Mid to long term wealth enhancement
- Providing a retirement income over a selected period of years
- Securing a monthly retirement income over 15 years from your desire retirement age
- Mid to long term savings commitment period (Via 5 or 10 years premium term)
- Retirement product with yearly guaranteed cash benefits in your retirement years
- Hassle-free application without medical underwriting (If no riders are added)
- Do not need access or partial withdrawal on your savings until your retirement age
AIA Retirement Saver (III) is not suitable for
- High insurance protection and coverage
- Providing additional guaranteed income payout in the event of disability
- Investment product with potentially higher returns and risk
- High surrender value in the early years of the policy
Sample policy illustration for AIA Retirement Saver (III)
Coming soon.
Learn more about AIA Retirement Saver (III)
Leave your personal details via the retirement income plan contact form to receive your personalised quote. You may also compare plans similar to AIA Retirement Saver (III) using the retirement income plan comparison portal.
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