Life Protection
Protect yourself and your loved ones from life's uncertainties with AIA's life insurance and takaful plans.
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{{label}}Savings & Investment
Coverage Period
Entry Age
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A parent's love is enduring, with the aim of supporting their child at every stage of their life, no matter the age. Giving children the opportunity to live Healthier, Longer, Better Lives requires long-term savings so that they can achieve anything that they set out to do.
A-Life Wealth Treasure is an investment-linked plan that ensures parents will have the necessary long-term savings to prepare for their children’s financial needs when they embark on their life journey. When you cultivate a good savings habits and start saving early for your child, you will be rewarded with both the Wealth Rewards and Wealth Booster benefits. Additionally, this plan also provides insurance protection for you and your child. Your child’s coverage amount will automatically be DOUBLED when he or she needs it the most.
Parent can now sign up as an AIA Vitality member and unlock an additional benefit - the Vitality Wealth Booster for your child upon the purchase of A-Life Wealth Treasure and A-Plus ParentCare.
Please refer to the terms and conditions.
Get your child protected early to maximise your rewards!
Wealth Rewards will be credited into your policy Wealth Account as early as age 25 or age 35 and every subsequent 10 years until maturity, depending on your child's entry age.
At maturity you will receive the total account value of your policy. On top of this, the Wealth Booster will be paid out. The Wealth Booster amount is 4 times higher of your Wealth Rewards upon maturity.
Note: Both Wealth Rewards and Wealth Booster are payable if you meet the following conditions:
When you sign up as an AIA Vitality member and get yourself protected with A-Plus ParentCare rider, your child will be able to enjoy further rewards with Vitality Wealth Booster.
Depending on your AIA Vitality status, with Vitality Wealth Booster, an additional amount will be credited to the policy Wealth Account every year until the child attains age 25.
Invest in AIA Strategic Funds or AIA Elite Funds which comprises of a strategic mix of foreign equities and fixed incomes strategies to reap for higher potential returns via funds that are managed by professional and well known fund managers.
With A-Life Wealth Treasure, your child will be covered for Death and Total and Permanent Disability (TPD) and Accidental death until age 60 with minimum coverage amount starting as low as RM200,000.
As your child grows up, his or her coverage needs will also increase. With the special AutoGrowth Benefit, your child’s coverage amount will be DOUBLED automatically upon reaching age 25, without any medical underwriting requirement.
A-Life Wealth Treasure makes sure you are protected while you are protecting your child. The embedded Parent Accidental Death Benefit offers 100% of the coverage amount if you pass away due to accidental causes before your child reaches age 25. This claim amount will be credited to the policy Wealth Account.
You are encouraged to extend the protection net via optional benefits below:
- A-Plus ParentCare for Life and Total & Permanent Disability coverage
- A-Plus Parent Waiver for Premium Waiver Benefit
What does investment-linked mean?
It means the value of your policy will depend on the performance of the investment funds you choose.
What does total and permanent disability mean?
It means that because of a 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, when your child turns 25 at the end of the policy year, without any medical underwriting.
What does account value mean?
This is the total value of the units of the investment funds available in your plan.
What does maturity mean?
This is the date when your insurance coverage for this plan ends.
For additional protection, you can select as many of the additional features below, whichever meets your needs.
Regular Top up Savings
This is an optional regular top up premium benefit that comes with 95% allocation into the Savings Account. Premium paid under A-Plus ScholarSaver may qualify you for personal tax relief up to RM3,000 per annum under medical and educational insurance, provided A-Plus Parent Waiver is attached and subject to the final decision of the Inland Revenue Board of Malaysia. A-Plus ScholarSaver will automatically be converted to A-Plus Saver when the insured attains age 25.
Life Protection
This option provides coverage on death and total and permanent disability on parent. Additionally, it will provides an additional amount to your policy Wealth Account under Vitality Wealth Booster benefit if you are an active AIA Vitality Member.
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.
Critical Illness Protection
This optional benefit ensures continuous premium payment if your child is diagnosed with any one of the 44 covered critical illnesses or undergoes a covered surgery.
Like what you've read? This is just a summary of our product. Please refer to the terms and conditions below. If you want more information, you can view our brochure or contact an AIA Life Planner.
BUILD YOUR WORLD OF WEALTH WITH AIA!
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WHEN YOU SIGN UP FOR A-LIFE WEALTH TREASURE
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