PROTECT WELL

What's The Recommended Insurance Plan For Different Life Stages?

3 mins read

As a person grows in age, so do their responsibilities and commitments. Working adults find themselves buying their first car, then their first home and planning to start a family. Their needs differ greatly from those approaching retirement or that of a child, for example.

What is the ideal insurance plan for a child, a young working adult or a pre-retiree? Is there a one-size-fits all policy for all ages?
Check out our handy guide.

For your newborn

A-Life Super Junior is a protection plan that can begin at 14 days old. This 20-year plan protects your child’s healthcare until he is 75 years old. One of the amazing features of this plan is that it automatically converts to an adult plan when your child turns 18.
Coverage: Covers death, Total & Permanent Disability (TPD), 12 juvenile critical illnesses and 36 critical illnesses.
Upon maturity of the policy: 125% or 250% of your coverage amount will be payable to your child.

For your child’s further education

A-EduAchieve 2 is an investment-linked education savings plan for your child that also comes with insurance coverage. The plan matures when your child turns 25.
Coverage: Death, Total & Permanent Disability
Upon maturity of the policy: Full account value. Plan also comes with Anniversary Bonus for extra coverage and University Startup Booster when the child turns 18.

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For newlyweds

For the couple just starting their life together, A-LifeLink 2 offers a unique protection and savings plan ideal for the upcoming chapter in their lives. A-LifeLink 2 covers death and TPD but you have flexibility to add on optional coverages such as medical, critical illness and accidents.
Coverage: Death, Total & Permanent Disability plus any add on optional coverages.
Upon maturity of policy: Total value of funds paid upon maturity of coverage.

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For retirement planning

Nothing is more advantageous than an early start in retirement planning. A-EnrichGold is a savings-oriented plan that offers guaranteed cash payments (GCP) and potential growth over the policy period. It also comes with insurance coverage up to maturity.
Coverage: Death, Total & Permanent Disability
Upon maturity of policy: 120% or 150% of sum assured, accumulated GCP and account value

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For health coverage at any age

Medical coverage is a must-have at any age. A-Plus Health not only offers protection up to 100 years old but you also get to enjoy up to RM2 million worth of medical protection each year, helping you cope with rising medical costs. In addition, A-Plus Health also reimburses you the cost for health checks to help you determine your health condition and identify any early signs of health issues as well as help you with illness prevention!
Coverage: Medical coverage up to 100 years old
Upon maturity of policy: N/A

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The above articles are intended for informational purposes only. AIA accepts no responsibility for loss which may arise from reliance on information contained in the articles.