Did you know that stroke is the leading cause of disability in Singapore , with 1 in 4 Singaporeans likely to suffer from a stroke in their lifetime ? This sobering statistic highlights the importance of protecting not just your health, but also your ability to earn an income. Enter AIA Premier Disability Cover, a comprehensive insurance plan designed to disability-proof your income and provide financial security when you need it most.
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Many of us insure our cars, homes, and valuables, but often overlook our most significant financial asset - our ability to earn an income .
Consider this example: Kelvin Lee, a 34-year-old marketing executive, earns S$5,197 per month. Assuming a 5% annual pay rise until retirement at 65, his cumulative lifetime earnings would amount to a staggering S$4,412,925.90 . That's over S$4.4 million at stake if something were to happen to his ability to work!
Receive monthly payouts for up to 2 years , starting 60 days after your disability begins. If you're unable to perform any suitable occupation after 2 years, continue receiving benefits until age 65 or recovery, whichever comes first. Benefits are paid even if you receive payouts from other disability income policies.
Reimburse rehabilitation expenses up to 6 times the monthly benefit per disability. Receive 24 times the monthly benefit for catastrophic disability . Get 12 times the monthly benefit in the event of death (for standalone policies).
Receive up to 2 times your monthly benefit to cover the initial 60-day deferment period.
Premiums are waived up to age 65 or until recovery , while you continue to receive benefits.
Enjoy up to 15% premium discount by improving your health through the AIA Vitality program.
Financial Impact:
(24 months x S$4,000) + S$16,800 rehabilitation + (214 months x S$2,500)
This example illustrates how AIA Premier Disability Cover provides comprehensive, long-term financial support in the face of disability.
During the 60-day deferment period, Jack receives sick pay from his employer. After 60 days, he starts receiving the S$4,000 monthly benefit for 2 years . His future premium payments are waived, but coverage continues.
Jack undergoes speech therapy, costing S$16,800. AIA fully reimburses this under the rehabilitation benefit.
After 2 years, Jack's condition improves, but he can't return to his sales job. He finds part-time work as an office cleaner, earning S$1,500 monthly. AIA continues to pay him S$2,500 monthly , topping up his income to the original S$4,000 benefit. This continues until age 65 or recovery, whichever comes first.
The plan can be tailored to your specific income and needs.
It covers not just total disability but also partial disability and rehabilitation expenses.
Benefits can continue up to age 65 , providing extended financial security.
This unique feature encourages healthier living while potentially reducing your premiums.
You receive full benefits regardless of payouts from other disability income policies.
This plan is particularly suitable for:
AIA Vitality is a comprehensive wellness program that rewards you for making healthy choices. When integrated with AIA Premier Disability Cover, it offers:
While AIA Premier Disability Cover offers robust protection, it's essential to consider your personal circumstances:
This depends on your age, health status, and coverage amount. Your AIA representative can provide specific details.
Yes, you can apply to increase your coverage, subject to underwriting.
The policy continues regardless of job changes. Inform AIA of significant income changes to ensure appropriate coverage.
Premium rates are not guaranteed and may be adjusted based on claims experience.
Contact AIA as soon as possible after becoming disabled. They will guide you through the necessary documentation and assessment process.
AIA Premier Disability Cover offers a comprehensive solution to one of life's most significant financial risks - the loss of income due to disability . By providing substantial monthly benefits, covering rehabilitation costs, and offering long-term support, this plan can be a crucial part of your financial safety net.
Remember, the best time to consider disability income protection is while you're healthy and working. Don't wait for the unexpected to happen - take proactive steps to secure your financial future today.
Ready to explore how AIA Premier Disability Cover can protect your income? Don't rely on just one perspective. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on disability income protection. These professionals will review your specific needs 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 coverage for your needs. Don't leave your financial future to chance – get the expert advice you deserve today.
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