Are you looking for a way to invest your money that offers flexibility and potential for growth ? AIA Invest Easy might be the solution you're seeking. This comprehensive guide will walk you through everything you need to know about this investment-linked policy, helping you make an informed decision about whether it's right for your financial goals.
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AIA Invest Easy is a single premium investment-linked policy offered by AIA Singapore Private Limited. It's designed to give you the opportunity to invest in one or more investment-linked policy sub-funds, allowing you to potentially grow your wealth over time. This plan is available for those using cash or funds from their Supplementary Retirement Scheme (SRS) account.
Choose from a range of investment-linked policy sub-funds to suit your risk appetite and financial goals.
Start your investment journey with a single lump sum payment.
Make additional investments through regular or ad hoc top-ups.
Start this plan as late as age 80, with coverage lasting until age 100.
Your policy provides protection 24/7, anywhere in the world.
In the unfortunate event of the insured's death, AIA will pay 100% of the policy value , less any applicable fees and charges.
If the insured dies within 90 days from an accident that occurs within the first year of the policy, AIA will pay the higher of: a) The Death Benefit, or b) 110% of the single premium paid plus total top-up premiums, less total withdrawals.
When your policy matures at age 100, you'll receive the policy value, less any applicable fees and charges.
For your initial single premium and any top-ups, 97% of the amount will be used to purchase units in your chosen ILP sub-funds. The remaining 3% is a Premium Charge.
Minimum Premium Amounts:
Allowed after the free-look period, minimum S$1,000
Available at any time
Switch between different ILP sub-funds, minimum S$50
Opt for automatic rebalancing to maintain your desired fund allocation
You have 14 days to review and cancel the policy if you're not satisfied.
The policy terminates upon death claim, full surrender, maturity, or if the policy value becomes zero or negative.
In cases of suicide within the first year, material misrepresentation, or fraud, the benefit is limited to 100% of the policy value.
The performance of ILP sub-funds is not guaranteed, and the value can rise or fall.
Some funds may offer dividend options, but rates and frequency are not guaranteed.
This policy might be suitable for you if:
Remember, AIA Invest Easy is a long-term commitment. Early termination may result in significant costs, and the surrender value may be less than the total premiums paid.
AIA Invest Easy offers a flexible way to invest your money while providing life coverage. However, like all investments, it comes with risks. The value of your investment can go up or down, and past performance doesn't guarantee future results.
Before making a decision, carefully consider your financial situation, goals, and risk tolerance. It's always wise to consult with a financial advisor who can provide personalized advice based on your individual circumstances.
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