Investment-Linked Funds

A-Life Wealth Premier

Life Protection

Coverage Period

UP TO 70, 80 OR 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 Premier is an investment-linked plan that helps you build a strong financial safety net for your loved ones when you are no longer around. With the Protection Booster feature, the plan gives you additional coverage to boost your protection during your productive years. Additionally, both the Wealth Rewards and Wealth Booster benefits will allow you to receive up to 6 times of the rewards payout when you save more, save longer and stay financially disciplined.

You can also join AIA Vitality, our 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 get to enjoy 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.

Please note that this is an insurance 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?

Strengthen Your Family’s Financial Legacy And Lifestyle Protection

This plan provides a Protection Booster that gives you additional coverage for death or total and permanent disability (TPD) for up to 40% when you choose to get higher protection. It also provides you up to 6 times of your basic coverage amount if you pass away due to covered accidental events.
Bespoke Wealth Solutions And Unparalleled Wealth Expertise

Invest in AIA Elite Adventurous Fund and AIA Elite Conservative Fund, which are managed by AIA Investment Management and AIA Bhd. We are part of the AIA Group, one of the largest asset managers in Asia-Pacific with 150+ investment professionals. The AIA Elite Funds comprises of a strategic mix of foreign equities and fixed incomes strategies sub-managed by world best-in-class asset managers, targeted at providing optimal returns and financial stability for the long term.
Wealth Rewards & Wealth Booster

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

Wealth Booster rewards you with even more values at maturity if you select a longer policy term. In addition, your Wealth Booster doubles if no withdrawals from your account value are made, and premiums are paid up to date.

We want you to celebrate your memorable life events too while staying financially disciplined. You can withdraw up to 10% of your account value for specific life-stage events under Life-Stage Celebration, 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

Sign up for AIA Vitality when you purchase A-Life Wealth Premier and enjoy the Vitality Wealth Booster, which provides additional account 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, TPD or critical Illnesses, without having to pay any additional premium. The initial VWBP starts from 20%. For each subsequent year, the VWBP may then increase, decrease or remain the same based on your AIA Vitality Status.

The healthier the choices you make, the higher your AIA Vitality Status will be.

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.
The Protection Booster increases the amount you are covered for by 5% every 4 years at no additional cost up to 40% of coverage amount.
You will be granted with an initial Vitality Wealth Booster Percentage (VWBP) of 20%. The 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 VWBP or the Locked-in VWBP with 20% of your basic plan coverage amount, subject to a maximum 20% of your basic plan coverage amount. It is payable at maturity or terminates due to death, TPD or critical Illnesses.
If your AIA Vitality status is Bronze or Silver, the VWBP will reflect a negative change and may eventually decrease to zero percent. It will not fall below zero percent but will remain at zero percent until there is a positive change in VWBP again.
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.
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 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.
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.
The information above is not exhaustive. It is recommended that you request for a copy of the Product Disclosure Sheet and Sales Illustration from your AIA Life Planner 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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A-Life Wealth Premier

UP TO 70, 80 OR 100 YEARS OLD

14 DAYS - 70 YEARS OLD

AIA life planner

WHAT IS THIS PRODUCT ABOUT

WHAT DOES IT PROVIDE?

Strengthen Your Family’s Financial Legacy And Lifestyle Protection

Bespoke Wealth Solutions And Unparalleled Wealth Expertise

Wealth Rewards & Wealth Booster

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