Campaigns & Promotions

1. Only the 1^st year annualised premium is entitled for the free premium allocation. Annualised premium includes A-Plus Saver premium, if any.
   
   
2. The free premium allocation will be allocated 100% to the policy under the Protection Account when the premium is received and will be used to buy units of the policy’s selected fund(s).
   
   
3. A 5-year lock-in period will apply to the bonus units. Lock-in period is counted from policy effective date.
   
   
4. The bonus units cannot be withdrawn during this lock-in period. However, these bonus units shall remain payable after the lock-in period.
   
   
5. All premium due (including A-Plus Saver premium, if any) must be paid up-to date for the 5-Pay premium payment option and up-to-date for at least 5 years for the 10-Pay premium payment option.
   
   
6. If customers make any changes/transactions which results in a lower premium, the subsequent free premium allocation, during 1^st policy year, if any, shall be calculated based on the lower premium after the alteration, provided the revised premium meets the minimum annualised premium requirement of this Campaign.
   
   
7. Only an increase in premium resulting from an increase in Basic Sum Assured or due to the addition of A-Plus Saver is allowed. Increase of Basic Sum Assured / addition of A-Plus Saver can only be done during the 1^st policy year (from policy inception). Customers will need to pay the additional premium for the increased Basic Sum Assured / addition of A-Plus Saver from policy inception, to which the campaign entitlement would be recalculated based on the revised premium from policy inception.
   
   
8. The policy will be disqualified from this Campaign in the event:
   • the policy has lapsed, has lapsed and is subsequently reinstated, surrendered, terminated, or the policy application has been cancelled, whichever occurs first, during the Campaign Period and/or before the 5-year lock-in period ends; or
   • the customer switches funds to either AIA Fixed Income Fund and/or AIA Dana Bon during the Campaign Period and/or before the 5-year lock-in period ends.
      
9. PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY/PRODUCT IS SUBJECT TO LIMITATIONS. Please refer to PIDM’s TIPS Brochure or contact AIA or PIDM (visit www.pidm.gov.my).
   
   
10. The benefit(s) payable under eligible policy/product is(are) protected by PIDM up to limits. 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 .

Contact your AIA Life Planner today!