In today's uncertain world, finding the perfect balance between growing your wealth and protecting your legacy can be challenging. If you're a high-net-worth individual looking for a solution that offers both wealth accumulation and long-term security for your family, AIA Platinum Wealth Legacy might be the answer you've been searching for. Let's dive deep into this unique investment-linked plan and explore how it can help you achieve your financial goals.
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AIA Platinum Wealth Legacy is a first-in-market investment-linked plan that combines wealth accumulation with guaranteed long-term protection. It's designed for individuals who want to capitalize on market opportunities while ensuring their family's financial future is secure, regardless of market performance.
This first-in-market feature guarantees your coverage up to age 85 or 100 , regardless of how your investment performs. It's like having a safety net for your insurance coverage.
Provides an immediate estate to support your family's lifestyle if an unfortunate event occurs.
Partial withdrawals allowed after the 1st policy year
Option to top-up your investments at any time
Choose between single premium or regular premium for 5 years
Currency options in USD or SGD
Invest in the AIA Elite Conservative Fund , managed by AIA Investments and partnered with global wealth experts.
Enjoy a world of bespoke privileges , including exclusive offers, events, and priority service.
Let's break it down into two main components:
Your premiums are invested in the AIA Elite Conservative Fund , which aims for sustainable long-term returns. This fund is managed by AIA Investments, which oversees over USD247 billion in assets (as of December 2020).
70% Fixed Income
30% Equities
The No Lapse Privilege (NLP) ensures your coverage continues even if your policy value becomes insufficient to cover fees and charges. You can choose to have this guarantee up to age 85 or 100.
AIA Platinum Wealth Legacy gives you access to unparalleled wealth expertise through:
The exclusive investment arm of AIA Group, managing over USD247 billion in assets.
Baillie Gifford: One of the UK's largest investment firms (USD445 billion AUM)
BlackRock: Global investment manager (USD8.68 trillion AUM)
Wellington Management: Private investment firm (USD1.29 trillion AUM)
Let's look at an example to understand how AIA Platinum Wealth Legacy can benefit you:
Meet Vincent:
Vincent's AIA Platinum Wealth Legacy Plan:
Potential Outcomes (based on illustrated 5.8% p.a. investment rate of return):
Throughout this period, Vincent enjoys continuous guaranteed protection up to age 85 , regardless of market performance.
As an AIA Platinum Wealth Legacy customer, you gain access to AIA Altitude , an exclusive membership program offering:
To qualify, you need to maintain:
Guaranteed protection regardless of fund performance (No Lapse Privilege)
Access to world-class asset managers
Flexibility in premium payment and currency options
Liquidity through partial withdrawals
Exclusive privileges through AIA Altitude membership
Higher premiums compared to traditional life insurance policies
Investment risks – possibility of losing principal amount
Complex product structure may be difficult for some to understand
Early termination may result in high costs and low surrender value
Are a high-net-worth individual looking for both wealth accumulation and protection
Want guaranteed coverage regardless of market performance
Seek access to professional fund management
Desire flexibility in your investment and insurance coverage
Appreciate exclusive privileges and personalized service
Are looking for a simple, low-cost insurance policy
Cannot commit to the higher premiums
Are not comfortable with investment risks
Need a policy with a shorter commitment period
You should check with AIA about the flexibility in changing your NLP age after purchase.
Early termination usually involves high costs, and the surrender value may be less than the total premiums paid.
AIA Platinum Wealth Legacy is designed to invest in the AIA Elite Conservative Fund. Check with AIA about any options for fund switching.
You should receive regular statements, but check with AIA on the frequency and format of these updates.
Check with AIA for specific age limits, as they may vary based on the chosen premium payment option and NLP age.
AIA Platinum Wealth Legacy offers a unique blend of wealth accumulation and guaranteed protection , making it an attractive option for high-net-worth individuals seeking to secure their family's financial future while still participating in market growth. With its first-in-market No Lapse Privilege, access to world-class asset managers, and exclusive benefits, it provides a comprehensive solution for those looking to balance their wealth growth and legacy protection needs.
However, like any financial product, it's essential to carefully consider your personal circumstances, financial goals, and risk tolerance before making a decision. The higher premiums and complex structure of this plan mean it's not suitable for everyone.
Ready to explore if AIA Platinum Wealth Legacy is the right fit for your financial strategy? Don't rely on just one perspective. Get expert insights tailored to your unique situation . Sign up now to receive 5 expert opinions on wealth legacy planning. These professionals will review your specific circumstances and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best strategy to grow and protect your wealth for generations to come. Don't leave your legacy to chance – get the expert advice you deserve today.
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