Retirement
Retirement is the beginning of a new life experience. To enjoy your retirement with a peace of mind, you should prepare in advance to ensure that your retirement plan is in place.
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You may call our local, toll free Customer Service line at
1300-88-1899 or
email us at
my.customer@aia.com.
Retirement
We realize your golden retirement dream
Although retired, you need not compromise your living quality or burden your loved ones. All you need is a plan that helps to support your desired retirement lifestyle.
An investment-linked plan, AIA Retirement Account pays you a stream of regular monthly income while safeguarding you in times of misfortune.
AIA Retirement Account 2 offers you the following benefits:
Death Benefit
100% of sum assured and Anniversary Bonus plus any account value will be payable to your loved ones in the event of the insured’s untimely demise before age 100.
Total and Permanent Disability Benefit
Depending on the nature of disability, disability payment will be payable to you either in one lump sum or 10% of the sum assured and Anniversary Bonus for the first two years, followed by the remaining 80% in third year.
Anniversary Bonus
An additional 1% increase in the sum assured 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 (if critical life rider is attached) 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 within the first five (5) policy years, even though your account value is insufficient to cover all the policy charges, subject to the terms and conditions.
Guaranteed Income for Retirement
The Life Income option 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.
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.
Various Funds for Investment
We have a wide range of funds which you can choose to invest based on your financial goal. You can opt to top up your investment anytime or switch between the fund(s) depending on your risk appetite. Such flexibilities give you have the opportunity to reap for potentially higher investment returns.
Comprehensive Choices of Optional Benefits
Apart from the death and total and permanent disability (TPD) benefit, you can enhance your plan by choosing from our broad range of optional benefits such as critical illness benefit, juvenile illness benefit, hospitalization and surgical benefit, accident benefit, disability income benefit as well as female illness benefit. the sum assured for the first two years, followed by the remaining 80% in third year.
Important: This is purely a product summary. Please refer to the policy contract for further details.
| Entry age | 18 to 60 years old |
|---|---|
| Minimum Premium | RM1,200 per annum |
| Premium Paying Duration | Up to age 100 |
Living an active lifestyle, 30-year old Joshua planned to have an early retirement. After discussing with his financial planner, he opted for A Premier Saver.
The plan pays him guaranteed cash payment to support his increasing obligations in the future as well as to prepare for his early retirement. On top of that, the plan covers him against the unexpected incidents with additional protection provided for injury and disability caused by accident.