Investment-Linked Funds

A-Life Wealth Builder

Life Protection

Coverage Period

UP TO 70, 80 & 100 YEARS OLD

Entry Age

14 DAYS - 70 YEARS OLD

You can buy this via

AIA life planner

WHAT IS THIS PRODUCT ABOUT

A-Life Wealth Builder is an investment-linked plan that provides you with a high coverage amount and provides your family with a financial safety net when you are no longer around. With both Wealth Rewards and Wealth Booster benefits, the plan rewards you up to 6 times of the rewards payout when you choose to save more, save longer and stay financially disciplined.

Join AIA Vitality, a unique, science-backed health programme that empowers you with the knowledge, tools and motivation to bring about long-term positive behavioural changes to lead a healthier life.

When you sign up as an AIA Vitality member, you may receive an additional benefit called the Vitality Wealth Booster, depending on the healthy choices you make. You may receive additional value when your policy matures or terminates due to death or total and permanent disability or critical illnesses, without having to pay any additional premium.

Please refer to the terms and conditions.

WHAT DOES IT PROVIDE?

Lifestyle protection for your family

This plan provides your family with a lump sum payment of 100% of the amount you are covered for if you pass away or suffer from total and permanent disability (TPD). We will pay twice the amount if you pass away due to an accident, three times the amount if the accident occurs in a bus, train or airplane, and six times if you pass away due to a natural disaster.
Wealth Rewards

Rewards you with as high as 5% of your coverage amount as early as at the end of policy anniversary upon attaining age 65 and every 10 years subsequently until maturity, if no withdrawals are made and premiums are paid up to date.
WEALTH BOOSTER

This benefit rewards you with even more values at maturity if you select a longer coverage term or a higher coverage amount. In addition, your Wealth Booster doubles if no withdrawals from your account value are made and premiums are paid up to date.
LIFE-STAGE CELEBRATION

Allows you to withdraw up to 10% of your account value for certain life-stage events, and still be entitled for the Wealth Rewards and Wealth Booster.
NO MEDICAL CHECK UP REQUIRED

You can get covered for up to RM4 million without having to go for a medical checkup.*

*Depending on your age and health condition.
VITALITY WEALTH BOOSTER

When you sign up as an AIA Vitality member, you may receive an additional benefit called the Vitality Wealth Booster. This provides additional value based on your accumulated Vitality Wealth Booster Percentage (VWBP) or the Locked-in VWBP, whichever is higher when your policy matures or terminates due to death, total and permanent disability or critical Illnesses, without having to pay any additional premium. The initial VWBP starts from 20%. For each subsequent year, the Vitality Wealth Booster 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 investment-linked mean?

It means the value of your policy will depend on the performance of the investment funds you choose.

Do you want additional protection?

For additional protection, you can select as many of the additional features below to meet your needs.

A-Plus CI Guard

Critical Illness Protection

This optional benefit provides you with additional coverage for 45 critical illnesses. You are also entitled to enjoy Personal Medical Case Management (PMCM) service, that focuses on ensuring that you receive advice on the best possible treatments and personalised ongoing support throughout your medical journey when you are facing serious medical conditions.
A-Plus CI Advance

Critical Illness Protection

This optional benefit provides coverage on 45 critical illnesses to give you the financial support when needed.

A-Plus Waiver

Critical Illness Protection

This optional benefit ensures continuous premium payment if you are diagnosed with any one of the 44 covered critical illnesses or undergo a covered surgery.
A-Plus Spouse Waiver Extra

Critical Illness Protection

This optional benefit ensures continuous premium payment if your spouse passes away, suffers from TPD or is diagnosed with any one of the 44 covered critical illnesses or undergoes a covered surgery.
A-Plus Parent Waiver

Critical Illness Protection

This optional benefit ensures continuous premium payment if the Insured's parent passes away, suffers from TPD or is diagnosed with any one of the 44 covered critical illnesses or undergoes a covered surgery.

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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.

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THE TERMS & CONDITIONS AT A GLANCE

- COLLAPSE + EXPAND

TPD and accidental death benefits are covered before age 70 only.
You will be granted with an initial 20% of Vitality Wealth Booster Percentage (VWBP). VWBP will change based on your AIA Vitality Status at every Vitality Wealth Booster Anniversary.
VWBP will be locked-in at age 55 or on the 20th Vitality Wealth Booster Anniversary, whichever is later.
Vitality Wealth Booster is determined by multiplying the higher of current Vitality Wealth Booster Percentage or the Locked-in Vitality Wealth Booster Percentage with 20% of your coverage amount, subject to a maximum 20% of your coverage amount of the basic plan. It is payable at maturity or terminates due to death, total and permanent disability or critical Illnesses.
If your AIA Vitality status is Bronze or Silver, the VWBP may decrease to zero percent that reflects a negative change in VWBP. It will not fall below zero percent and will remain at zero percent until there is a positive change in VWBP.
Vitality Wealth Booster will cease once this benefit is fully paid or if you are no longer an AIA Vitality member or if the policy has lapsed or surrendered; whichever occurs earlier.
All benefits payable are subject to deduction of any indebtedness.
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.
If the coverage term chosen is up to age 70 or age 80, your policy comes with Automatic Extension of Coverage Term where the coverage term of the policy and any optional benefits (except for A-Plus Waiver, A-Plus Spouse Waiver Extra and A-Plus Parent Waiver, if any) will continue up to age 100 of the Insured for the basic plan and the maximum coverage age of any optional benefits PROVIDED there is sufficient account value to deduct 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 optional benefits shall expire together with the policy. Any application for the Automatic Extension of Coverage Term is not allowed after you have withdrawn from it.
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, you may 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.
The account value is depending on the premium payable and subject to the premium allocation and deduction of policy charges.
Your policy account value is not guaranteed. It fluctuates based on the performance of AIA Investment Fund. The potential risks of investing in the funds are borne solely by you.
You may switch your funds as you need, except for AIA Asian Debt Fund, AIA Asian Equity Fund and AIA International High Dividend Fund. 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.
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.

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A-Life Wealth Builder

UP TO 70, 80 & 100 YEARS OLD

14 DAYS - 70 YEARS OLD

AIA life planner

WHAT IS THIS PRODUCT ABOUT

WHAT DOES IT PROVIDE?

Lifestyle protection for your family

Wealth Rewards

WEALTH BOOSTER

LIFE-STAGE CELEBRATION

NO MEDICAL CHECK UP REQUIRED

VITALITY WEALTH BOOSTER

Insurance Lingo Explained

Do you want additional protection?

A-Plus CI Guard

A-Plus CI Advance

A-Plus Waiver

A-Plus Spouse Waiver Extra

A-Plus Parent Waiver