Enjoy a guaranteed minimum crediting rate of 4.00% per annum for the first 5 policy years when you purchase AIA Infinite Heritage with a minimum total of 5 years annual premium payment in advance.
CAMPAIGN
Future Premium Payment Option (FPPO) Campaign
2025
10 mins read
10 mins read
Campaign Period: 1 May 2025 - 30 June 2025
FPPO Campaign (“Campaign”) is organised by AIA Bhd. (“AIA Malaysia”, “we”, “our” or “us”). By joining this Campaign, you (“you”, “your” or “customer”) agree that you have read, understood and agreed to be bound by the Terms and Conditions of this Campaign and by any change or modification that we may make to this Campaign and/or the Terms and Conditions of this Campaign with prior notice to you. By joining this Campaign, you further agree to be bound by our Privacy Policy accessible at https://www.aia.com.my/en/index/privacy-statement.html.
FPPO is a payment facility which facilitates and eases future premium payments of your policy to ensure uninterrupted protection. The premium paid to this payment facility is calculated at a discount rate determined by AIA during application and will be utilised to pay for the premium due on each policy anniversary, until the premium paid to this payment facility is fully utilised or is insufficient to pay for the premium due. AIA would notify you to pay the future premium (if any) in the event the premium paid to this payment facility is fully utilised or is insufficient to pay for the premium due. The crediting rate will be credited in the FPPO facility based on the unutilised premium paid in the FPPO facility.
- Application to purchase AIA Infinite Heritage with annual premium payment mode selected and met the Terms and Conditions of the FPPO Campaign will be automatically enrolled to the FPPO Campaign. An approval letter will be issued to the policy owner within three (3) months from the date of application. Only policy owner who receives the approval letter of the FPPO Campaign together with the policy contract shall be deemed as successfully enrolled into this FPPO Campaign.
- The FPPO Campaign entitled under the policy mentioned in (1) above will enjoy a guaranteed minimum crediting rate of 4.00% per annum at every policy anniversary for the first five (5) policy years. The crediting rate is only payable for the unutilised / remaining balance of future premium paid into FPPO facility.
- The guaranteed minimum crediting rate entitled as stated in (2) above will cease for the policy year and the remaining policy years (if any), upon the earliest occurrence of any of the following events:
- Upon withdrawal of future premiums paid to this FPPO Campaign. The FPPO facility enrolled shall be terminated. Any remaining balance of the future premiums paid to this FPPO Campaign will be refunded. Customers who reapply for the FPPO facility after the Campaign Period will not be entitled for the guaranteed minimum crediting rate mentioned in (2) above, but the prevailing rate(s) determined by AIA Bhd., from time to time.
- In the event the eligible policy lapsed, terminated, surrendered, or the application is cancelled, the FPPO facility of the eligible policy or application will be terminated and any remaining balance from the FPPO facility of the eligible policy will be refunded.
- In the event of any claim(s) occurring within the first five (5) policy years of the eligible policy which require premiums to continue to be payable, the Campaign Reward will continue subject to the terms and conditions of this Campaign.
- PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF AIA Infinite Heritage IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact AIA or PIDM (visit www.pidm.gov.my).
- The FPPO facility is (are) NOT PROTECTED BY PIDM. Please refer to PIDM’s TIPS Brochure or contact AIA or PIDM (visit www.pidm.gov.my).
Please click here for the Terms and Conditions or find out more about AIA Infinite Heritage .
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