Life Protection
Protect your loved ones’ future from life’s uncertainties.
A-LifeLink-i
Life Protection
Coverage Period
25 YEARS TERM OR UP TO AGE 70, 80 OR 100
Entry Age
16 YEARS OLD - 70 YEARS OLD
You can buy this via
AIA life planner
WHAT IS THIS PRODUCT ABOUT
A-LifeLink-i is a flexible investment-linked plan that helps you protect your loved ones and invest with as little as RM 150 per month. We offer you the flexibility of changing the level of your protection and savings from time to time, to meet your ever-changing needs.
Be part of AIA Vitality, a programme that actively supports and rewards you for making healthy choices.
When you sign up as a Vitality member upon your participation in A-LifeLink-i, you'll get an extra coverage on your A-LifeLink-i certificate, which called Cover Boost. Cover Boost enables you to gain extra initial coverage of up to 45% of your A-LifeLink-i coverage amount.
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?
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PROTECTION AND SAVINGS IN ONE PLAN
Get Takaful protection on death and Total and Permanent Disability, as well as invest to grow your savings, all in one plan.
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FLEXIBILITY IN PROTECTION AND SAVINGS
This plan gives you freedom to increase or decrease your protection or savings levels, as your circumstances change.
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ANNIVERSARY BONUS
We give you extra coverage for free, the longer you stay with us.
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INVESTMENT-LINKED FUNDS TO MATCH YOUR NEEDS
You can choose and change the investment funds whenever you want, at no cost.
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 anniversary bonus mean?
This means we will increase the amount you are covered for, without increasing your contribution, for every year you stay with us.
What does sum covered mean?
The sum of money you wish to be covered for.
Like what you’ve read? This is purely a product summary. If you want more information about this product, please request a copy of the Product Disclosure Sheet and Product Illustration from an AIA Life Planner.
THE TERMS & CONDITIONS AT A GLANCE
- For coverage term shorter than Age 100, you will be given an option for Auto-Extension upon application where the coverage term of the certificate will continue up to age 100 of the basic plan and the maximum coverage age of any attaching riders, as long as the account value is sufficient to deduct for Tabarru' and certificate charges.
- 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's account value is not guaranteed and fluctuates based on the performance of AIA PUBLIC Investment-Linked 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.
- You may refer to the Takaful certificate for full terms and conditions.
- TPD coverage is up to age 70.
- The amount for savings top-up and withdrawal is subject to a minimum limit per transaction. Please refer to the product brochure for more details about this feature.
- Anniversary Bonus is subject to lower initial sum covered or current sum covered, and it is limited to RM500,000 per certificate. The Anniversary Bonus will be granted based on the certificate year when the last contribution is last paid. However, the Anniversary Bonus will not be payable upon surrender, lapse or maturity of the certificate.
- You must fulfill all the terms and conditions that are stated in your Takaful certificate to get the five years continuous coverage.
- Minimum A-LifeLink-i coverage amount to be eligible for Cover Boost is RM50,000.