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  • Vitality

    A-Life Wealth Treasure

    Savings & Investment

    Coverage Period

    Up to 60 years old

    Entry Age

    14 DAYS - 15 YEARS OLD

    You can buy this via

    AIA life planner


    WHAT IS THIS PRODUCT ABOUT

    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.

    • Product Brochure Product Brochure
    • Share Share
    • Learn more about AIA Vitality Learn more about AIA Vitality

    Please refer to the terms and conditions.

    WATCH THE PRODUCT BENEFITS EXPLAINED

    What does it provide?

    • Get rewarded when you cultivate a good saving habit EARLIER
      Get rewarded when you cultivate a good saving habit EARLIER

      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:

      • Premiums are paid up to date; and
      • Policy is inforce

    • Get more REWARDS when you stay healthier for your child
      Get more REWARDS when you stay healthier for your child

      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.

    • Great INVESTMENT OPPORTUNITY
      Great INVESTMENT OPPORTUNITY

      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.  

    • GET YOUR CHILD WELL PROTECTED
      GET YOUR CHILD WELL PROTECTED

      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. 

    • THE BEST PROTECTION STARTS FROM YOU AS A PARENT
      THE BEST PROTECTION STARTS FROM YOU AS A PARENT

      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

    Insurance Lingo Explained

    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. 


    DO YOU WANT ADDITIONAL PROTECTION OR SAVINGS?

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

    • A-Plus ScholarSaver

      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.

    • A-Plus ParentCare

      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.

    • 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.

    • A-Plus Waiver

      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. 


    WHAT'S MORE

    BUILD YOUR WORLD OF WEALTH WITH AIA!

    GET UP TO 3 MONTHS’ CASHBACK
    WHEN YOU SIGN UP FOR A-LIFE WEALTH TREASURE

    Click on our special offers and promotions below to learn more.
    https://www.aia.com.my/en/crm/campaigns.html
    Terms and Conditions Apply.



    THE TERMS & CONDITIONS AT A GLANCE

    THE TERMS & CONDITIONS AT A GLANCE
    - COLLAPSE + EXPAND
    • Coverage for Parent's Accidental Death is up to the child reaches age 25 or up to the parent (Policy Owner) reaches age 70, whichever is earlier.   
    • Initial Vitality Wealth Booster percentage (VWBP) starts at 0% and the quantum of adjustment of VWBP shall be based on the Owner’s AIA Vitality status as at 45 days before the A-Plus ParentCare rider anniversary.
    • Vitality Wealth Booster provides an additional amount that is equivalent to the VWBP of A-Plus ParentCare rider sum assured based on the Owner’s AIA Vitality status every year until the Insured attains the age 25. This amount will be allocated to the Wealth Account by purchasing units based on 100% allocation rate.
    • The AutoGrowth benefit will be based on the initial coverage amount or the subsequent revised coverage amount of this basic policy, whichever is lower. 
    • This plan covers you up to age 60, 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 child attained age and it will increase as your child 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. 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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    AIA Malaysia
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    603 2056 1111
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    AIA Malaysia
    Menara AIA, 99, Jalan Ampang,
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    AIA Bhd.
    1300-88-1899
    For Overseas Customers
    603 2056 1111
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    1300-88-8922
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    1300-88-1899
    AIA Pension and Asset Management Sdn. Bhd.
    1300-22-7771
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    1-800-88-8733
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