Life Protection
Protect your loved ones’ future from life’s uncertainties.
A-Life Joy-i
Life Protection
Coverage Period
UP to 100 years old
Entry Age
Pre-natal: =< 35 weeks of gestation
Post-natal: 14 DAYS - 15 YEARS OLD
You can buy this via
AIA life planner
WHAT IS THIS PRODUCT ABOUT
Becoming a parent is one of the most joyful moments in your life. Having a child changes you forever, and we would like to provide you with the comfort and security that you need on your journey through parenthood.
A-Life Joy-i is an investment-linked takaful plan that provides protection to your child, as well as investment opportunity, with as little as RM 150 per month. We offer you the flexibility of changing the level of your child's protection and savings from time to time, to meet your child's ever-changing needs.
BUNDLE OF JOY
Bundle of Joy is a unique feature that links A-Life Lady360-i and A-Life Joy-i to ensure the best protection for your baby.
Please note that this is a family takaful product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trust.
WHAT DOES IT PROVIDE?
-
Protect your child even when you are expecting
You can participate in this plan for your child from as early as 14 weeks of pregnancy. If you are an A-Life Lady360-i customer, you can enjoy the privilege of securing coverage for your child even if you are under 14 weeks pregnant without any medical underwriting.
-
Enhance your child’s early years coverage
A-Plus BabyCare-i provides you with enhanced pregnancy care and child care benefits. This rider also covers child development disorders, specifically Autism Spectrum Disorder and Attention Deficit Hyperactivity Disorder – the first benefit of its kind in Malaysia
-
All-in-one Protection and Savings Plan for your child
Get takaful protection for death and total and permanent disability, as well as invest to grow your savings - all in one plan.
-
Enjoy twice the coverage with the AutoGrowth feature
We will increase 100% of your child's coverage amount, capped at RM 100,000 when your child turns 18, without any medical underwriting.
-
Flexible Protection and Savings
Contributions are affordable from RM 150 per month. You have the flexibility to increase or decrease your child’s coverage. You can also save more, withdraw, or switch between funds.
-
Education Savings via A-Plus ScholarSaver-i
You can build an education savings fund for your child via A-Plus ScholarSaver-i. If you attach A-Plus PayorExtra-i to A-Life Joy-i, the contribution allocated into A-Plus ScholarSaver-i may
be eligible to qualify for personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia.
-
SURPLUS
If there is any excess from the Takaful risk fund at the end of every year, AIA PUBLIC will share it with the eligible Participants at 50:50 ratio.
Takaful Lingo Explained
What does investment-linked mean?
It means the value of your certificate will depend on the performance of the investment funds you choose.
What does total & permanent disability mean?
It means due to sickness or injury, a person is unable to ever work again.
What does autogrowth mean?
This means we will increase 100% of the amount your child is covered for, capped at RM 100k, when your child turns 18, without any medical underwriting.
Do you want additional peace of mind?
For additional peace of mind, you can select as many of the additional features below, whichever meets your needs.
-
A-Plus Med-i
Medical Protection
This option provides comprehensive medical coverage to keep you protected at all times.
Find out more -
A-Plus MedBooster-i
Medical Protection
This option complements A-Plus Med-i coverage to extend your medical safety net.
Find out more
-
A-Plus BabyCare-i
-
A-Plus CriticalCare-i
Critical Illness Protection
This option provides coverage on 39 critical illnesses to give you the financial support when needed.
Find out more -
A-Plus Early CriticalCare-i
Critical Illness Protection
This option covers critical illnesses right from the start.
Find out more -
A-Plus Multi CriticalCare-i
Critical Illness Protection
This option provides protection for up to 3 critical illnesses claims.
Find out more -
A-Plus Junior CriticalCare-i
Critical Illness Protection
This option provides coverage on juvenile specific critical illnesses for low and high severity.
Find out more -
A-Plus DisabilityCash-i
Disability Protection
This option provides you with annual financial aid should you become disabled before you reach the age of 70.
Find out more -
A-Plus WaiverExtra-i &
A-Plus PayorExtra-iPremium Waiver Protection
These options ensure continuous contribution payment to your plan if an unfortunate event occurs.
Find out more
+ View more options
- View less options
Like what you've read? This is just a summary of our product. If you want more information, you can view our brochure or contact an AIA Life Planner.
THE TERMS & CONDITIONS AT A GLANCE
- This plan covers up to age 100, provided the certificate remains in force and the account value is sufficient to pay for the Tabarru' and other charges.
- Coverage for Total Permanent Disability is up to age 70.
- Under AutoGrowth, the increased amount shall subject to lower of initial coverage amount or current coverage amount, capped at RM 100,000 per certificate.
- Your plan will continue to be in force within the first 5 certificate years, even if your account value is insufficient to cover the Tabarru' and other charges applicable for your certificate.
- The Tabarru' is deducted from your account value depending on your attained age and it will increase as your age increases.
- The Tabarru' for this plan is not guaranteed, you will need to pay additional contribution if the Tabarru' is revised. The Company reserves the right to revise the Tabarru' by giving the Participant 3 months’ written notice.
- You may switch your funds as you need and no switching fee is imposed.
- Your certificate account value is not guaranteed and fluctuates based on the performance of AIA Investment Fund. The potential risks in investing in the funds are borne solely by you.
- The contributions 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 contributions paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
- If there is any surplus arising from the takaful risk fund, the surplus will be shared with the eligible participants according to their Tabarru’ allocation.