- Overview
- Benefits
- Terms & Conditions
- Additional Protection
Benefits
Video
Terms & Conditions
1. TPD and accidental death benefits are covered before age 70 only.
2. The premium allocation for Top-up premium is 95%.
3. Each Value Booster payment is capped at 2.5% of your basic’s coverage amount (excluding any account value from top up premium). This payment will be credited back into your policy’s protection account.
4. Cover Reset is limited to one time only per policy and capped at 20% of your basic plan’s coverage amount (excluding any account value from top up premium) provided that all premiums (including any premium due to repricing of benefits) are paid up to date and premium holiday has never been exercised.
5. The additional account value you will get from Maturity Booster excludes account value from adhoc top-up and will be capped at 20% of the coverage amount of the basic policy that you are covered for.
6. All benefits payable are subject to deduction of any indebtedness.
7. 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.
8. The Cost of Insurance is deducted depending on your attained age and it will increase as your age increases.
9. 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.
10. The account value is depending on the premium payable and subject to the premium allocation and deduction of policy charges.
11. 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.
12. You may switch your funds as you need and there will be no switching fee imposed. AIA reserves the right to revise the switching fee by giving the policyholders 3 months prior written notice.
13. 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.
14. Please note that premiums paid by business organisations are subject to the applicable tax imposed by the Government of Malaysia at the prevailing rate.
15. The information above is not exhaustive. It is recommended that you request for a copy of the Sales Illustration and Product Disclosure Sheet 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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