- Overview
- Benefits
- Terms & Conditions
- Additional Protection
Benefits
Health Rewards with AIA Vitality
Unlock additional Health Rewards when you sign up for AIA Vitality together with A-Plus Health360.
Up to
RM 1,000
in Hospitalisation
Care Benefits
Up to
+100%
Room & Board Upgrade
Up to
+10%
annual Health
Wallet Booster
Up to
RM 1,000
Healthy Retirement Bonus into policy's account value
Up to
RM 1,000
in Hospitalisation Care Benefits
Up to
+100%
Room & Board Upgrade
Up to
+10%
annual Health Wallet Booster
Up to
RM 1,000
Healthy Retirement Bonus into policy's account value
Benefits are subject to your AIA Vitality Status and plan's eligibility.
Video
Frequently Asked Questions
A-LifeLink 2 is an investment-linked life insurance plan that combines financial protection with investment opportunities. It provides coverage in the event of death or Total Permanent Disability (TPD) while allowing you to grow your savings through investment-linked funds based on your financial goals and risk appetite.
A-LifeLink 2 offers life protection together with the flexibility to build your savings through investment-linked funds. Depending on the coverage selected, it can help provide financial support for your loved ones in the event of death or Total Permanent Disability (TPD), while also allowing you to customise your protection with optional riders such as medical or critical illness coverage.
If you miss a payment, your policy usually won’t end immediately. It may still stay active during a grace period, depending on your policy terms.
If a payment is not made after this period, your policy may lapse, which means your coverage will stop. If this happens, it’s best to contact us as soon as possible to check if reinstatement is possible.
Life insurance helps protect your family financially if something happens to you.
It provides support to cover daily expenses, repay outstanding debts such as housing loans, and secure long-term goals like your children’s education, helping your family maintain financial stability.
Self-employed individuals are usually required to provide identification such as an NRIC, along with proof of income.
This may include income tax documents, bank statements, or other financial records. Requirements may vary depending on individual circumstances.
If you need guidance, you can contact us or speak to a life planner.
You can apply for life insurance online for a faster and more convenient experience:
https://www.aia.com.my/en/discover-my-needs/purchase-online-products.html
If you prefer personalised guidance—such as understanding your coverage needs or choosing the right plan—you can also speak to a AIA Life Planner here:
https://www.aia.com.my/en/help-support/contact-us/get-a-life-planner.html
Employer-provided insurance is a helpful benefit, but it is usually limited and may only apply while you are employed with the company.
To understand if you need additional coverage, you should consider whether your current insurance is enough to support your family’s financial needs, such as daily expenses, loans, and long-term commitments. If there is a shortfall, a separate life insurance plan can help provide more complete and long-term protection.
To learn more about the differences between group and individual insurance plans, refer to this article: https://www.aia.com.my/en/knowledge-hub/protect-well/what-is-group-health-and-individual-health-insurance.html.
Before choosing a life insurance plan, it helps to understand your personal financial situation and responsibilities.
You may want to consider:
- Your current income and monthly expenses
- Any debts or long-term financial commitments
- Whether you have dependents who rely on you
- Existing coverage from employer or other policies
- Your ability to maintain premiums comfortably
These factors help you understand what level of protection may suit your needs. If you're new to life insurance, you can also refer to our First-Timer's Guide to Life Insurance to learn more about the basics before making a decision.
To estimate how much life insurance you need, think about how much financial support your family would require if you were no longer around.
This usually includes:
Daily living expenses for several years
Outstanding debts such as housing loans
Future needs like children’s education
A general guideline is to aim for coverage of around 10 times your annual income, but your actual needs may vary depending on your lifestyle and commitments.
To better understand your protection needs and budget, you can use our Know Your Budget tool to explore the level of coverage that may be suitable for you.
There are several main types of insurance plans:
Life insurance – provides financial protection for your family if you pass away or become totally and permanently disabled (TPD)
Medical insurance – helps cover hospital and medical expenses due to illness or injury
Critical illness insurance – provides a payout if you are diagnosed with serious illnesses listed in your policy
Accident insurance – offers protection in case of accidental injury, disability, or death
Each plan serves a different purpose, and many people combine them for more complete protection. If you're considering life insurance, you can also learn about the differences between term life and whole life insurance in this article to help you choose a plan that suits your needs:
https://www.aia.com.my/en/knowledge-hub/protect-well/term-life-vs-whole-life-policy.html
Life insurance provides financial protection to your beneficiaries in the event of death or Total Permanent Disability (TPD), helping them manage living expenses, debts, and long-term financial needs. Medical insurance, on the other hand, helps cover your healthcare costs when you are hospitalised due to illness or injury, including hospital bills and treatment expenses.
To learn more about different types of health protection and how they complement one another, you can also read our article on the differences between medical and critical illness insurance:
https://www.aia.com.my/en/knowledge-hub/protect-well/medical-vs-critical-illness-insurance.html
Yes, you can still apply for life insurance even if you have pre-existing medical conditions.
However, approval and coverage terms may vary depending on your health condition and the insurer’s assessment. In some cases, there may be exclusions or additional requirements.
For a clearer understanding of your eligibility and options, it is best to speak to a life planner or contact us.
Terms & Conditions
- If the coverage term chosen is up to age 70, age 80 or 25 years term, your policy comes with an Automatic Extension of Coverage Term where the coverage term of the policy (except for A-Plus WaiverExtra rider, if any) will continue up to age 100 of the Insured for the basic plan and the maximum coverage age of any attaching riders PROVIDED there is sufficient account value to deduct for the policy charges and cost of insurance of any attaching riders. Regular premiums are not required during this extended coverage period and you may increase your account value by paying regular or ad-hoc top-ups. The insurance coverage provided under the basic plan and the attached riders will end when the account value has been fully utilised. You may notify the Company in advance to withdraw from the Automatic Extension of Coverage Term before the maturity of the policy. Please note that if you choose to withdraw from the Automatic Extension of Coverage Term, the basic plan and all the attaching riders including A-Plus Health360 and any Health Wallet amount (if applicable) shall expire together with the policy. Any application for the Automatic Extension of Coverage Term is not allowed after you have withdrawn from it.
- Coverage for Total and Permanent Disability is up to 70 years.
- The Anniversary Bonus increases the amount you are covered for by 1% each year at no additional cost, starting from the beginning of 2nd policy year until it reaches 120% of the amount you are covered for. The Anniversary Bonus will be given based on the policy year when the premium is last paid.
- The cost of insurance is deducted from your account value depending on your attained age and it will increase as your age increases.
- The Cost of Insurance for this plan is not guaranteed, you will need to pay additional premium if the Cost of Insurance is revised. The Company reserves the right to revise the Cost of Insurance by giving the policyholders 3 months' written notice.
- You may switch your funds as you need. The switching fee is currently free and AIA reserves the right to revise the switching fee by giving you 3 months prior written notice.
- Your policy account value is not guaranteed and fluctuates based on the performance of AIA Investment-Linked Fund. The potential risks in investing in the funds are borne solely by you.
- The premiums paid for this plan may qualify you for a personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.
- Please note that premiums paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
- The information above is not exhaustive. It is recommended that you request for a copy of the Sales Illustration and Product Disclosure Sheet to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the policy contract.
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