PROTECT WELL

Insurance Plans for Every Life Stage

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 insurance policy for all ages?
Check out our handy guide.

For your newborn

A-Life Super Junior is a life insurance plan for kids, starting as early as 14 days old up until the age of 75, with just 20 years of premium payments required. 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
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 couples just starting their life together, A-LifeLink 2 is a long-term investment and savings plan ideal for the upcoming chapter in their lives. A-LifeLink 2 also includes death and TPD insurance coverage with the option to add on additional medical, critical illness and accident protection.
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

A head start with your retirement plan is invaluable. It gives you a significant advantage in securing your future. A-EnrichGold is a retirement savings plan that can help you achieve that goal. It offers guaranteed cash payments (GCP) and potential growth over the policy period, 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-PlusHealthnot 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. A-Plus Health also provides medical reimbursement for health checks, helping you determine your health condition and identify early signs of health issues.
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.