Family is not just important, it means everything to you. You want peace of mind, knowing that even if the unthinkable happens to you, your loved ones can go on to pursue their hopes and ambitions.
A-Life Signature is a flexible investment-linked plan designed to protect the lifestyles of the ones you love most if you're no longer able to fulfill that role.
When you purchase an A-Life Signature plan for yourself; your spouse and child (aged 18 and above) are entitled to buy an A-Life Signature PlusOne plan for themselves. This plan features the same benefits as A-Life Signature, and they can enjoy a 10% reduction in their insurance premium. The coverage amount for this plan starts from RM350,000.
Join AIA Vitality, our unique insurance and health programme that actively supports and rewards you for making healthy choices.
When you purchase A-Life Signature or A-Life Signature PlusOne and sign up as an AIA Vitality member, you may receive an additional benefit called the Signature Boost. This allows you to receive additional account value when your policy matures or when your policy terminates due to death, TPD or critical illness claim (if applicable), without having to pay any additional premium.
This plan provides your family with a lump sum payment of 100% of the amount you're covered for if you pass away or suffer loss of income due to total and permanent disability (TPD). We will pay twice the amount if you pass away due to an accident, and three times the amount if the accident occurs in a bus, train or airplane.
When you reach the end of your coverage period, we will pay you 100% of your account value, plus an additional 20%, to celebrate the end of your policy's term.
Critical Illness Protection
You can enhance your coverage by adding on cover for critical illnesses to this plan so you have the financial means to focus on your recovery if diagnosed with a life-threatening illness.
Choice of Coverage and Payment Terms
You have the flexibility to choose your length of coverage and payment terms, depending on your financial commitments and aspirations for your loved ones.
No Medical Check Required
You will not have to go through a medical check up if your coverage amount is RM1.5 million and below.
GET MORE ACCOUNT VALUE THROUGH SIGNATURE BOOST
When you purchase A-Life Signature or A-Life Signature PlusOne and sign up as an AIA Vitality member, you may receive an additional benefit called the Signature Boost. This allows you to receive additional account value based on your accumulated Signature Boost Percentage (SBP) or the Locked-in SBP, whichever is higher when your policy matures or when your policy terminates due to death, TPD or critical illness claim (if applicable), without having to pay any additional premium. The initial SBP starts from 20%. For each subsequent year, the Signature Boost Percentage may increase, decrease or remain the same based on your AIA Vitality Status.
Insurance Lingo Explained
What does total & permanent disability mean?
It means that because of a sickness or injury, a person is unable to ever work again.
What does account value mean?
This is the total value of the units of the investment funds available in your plan.
What does critical illness mean?
Critical illness refers to life-threatening condition which is defined in your policy contract.
What does investment-linked mean?
It means the value of your policy will depend on the performance of the investment funds you choose.
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.
This plan covers you up to the coverage term you have chosen, provided the policy remains in force and the account value is sufficient to pay for the cost of insurance and other charges.
TPD and accidental death are only covered before age 70 only.
The additional value you will get from Maturity Booster will be capped at 20% of the sum of the basic policy that you are covered for.
The cost of insurance is deducted depending on your attained age and it will increase as your age increases.
The cost of insurance for this plan is not guaranteed and AIA reserves the right to revise the cost of insurance by giving you 3 months written notice.
You may switch your funds as you need. 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 the policyholders 3 months prior written notice.
Your policy account value is not guaranteed and fluctuates based on the performance of AIA Investment Fund. The potential risks of investing in the funds are borne solely by you.
All benefits payable are subject to deduction of any indebtedness.
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.
Goods and Services Tax will be chargeable at the prevailing rate on the fees and charges applicable to your policy. These amounts will be deducted from the account value of your policy.
Only one A-Life Signature PlusOne is tagged to A-Life Signature.
Maximum coverage amount for A-Life Signature PlusOne is up to the coverage amount of the tagged A-Life Signature.
The reduced insurance premium and cost of insurance per 1,000 coverage amount of the basic policy of A-Life Signature PlusOne is 10% lower than the normal premium and cost of insurance per 1,000 coverage amount of the basic policy of A-Life Signature.
This reduced premium and cost of insurance per 1,000 coverage amount is on the standard basic premium and standard cost of insurance per 1,000 coverage amount.
The reduced premium and cost of insurance per 1,000 coverage amount of the basic policy of A-Life Signature PlusOne is subject to the condition of the policy status of the tagged A-Life Signature is in force, matured or terminated due to claims.
The premium and cost of insurance per 1,000 coverage amount of the basic policy of A-Life Signature PlusOne will be charged at an increased premium and cost of insurance (same as A-Life Signature) on the due date immediately after the tagged A-Life Signature is surrendered, lapsed or terminated other than due to claims.
The account value is depending on the premium payable and subject to the premium allocation and deduction of policy charges. The account value of A-Life Signature PlusOne may be lesser than A-Life Signature due to the lower premium paid.
You will be granted with an initial 20% of Signature Boost Percentage (SBP). SBP will change based on AIA Vitality Status at every Signature Boost Anniversary.
SBP will be locked-in at age 55 or the 20th Signature Boost Anniversary year, whichever is later.
Signature Boost is determined by multiplying the higher of current SBP or the Locked-in SBP with the account value (exclude account value from top-up premium), subject to a maximum 20% of the coverage amount of basic plan. It is payable at maturity or upon termination of policy due to death, TPD or critical Illness claims (if applicable).
If Your AIA Vitality status is Bronze or Silver, the SBP may decrease to zero percent that reflects a negative change in SBP. It will not fall below zero percent and will remain at zero percent until there is a positive change in SBP.
Signature Boost will cease upon payment of 100% of Signature Boost or if the Insured ceases to be an AIA Vitality member or if the policy has lapsed or surrendered; whichever occurs earlier.