Have you ever felt torn between saving for the future and enjoying life in the present? You're not alone. Many Singaporeans struggle with this balance, especially in a city known for its high cost of living. That's where AIA SmartRewards Saver (II) comes in - a unique savings plan that lets you have your cake and eat it too .
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AIA SmartRewards Saver (II) is an innovative savings and protection plan designed to help you develop a regular savings habit while still allowing you to enjoy life's little pleasures. It's perfect for those who want to save for the future but don't want to completely sacrifice their current lifestyle .
Start saving from as little as S$38 per month . No lump sum payment required.
Receive 5% of the insured amount every year , starting from the end of the second policy year. Use these coupons for guilt-free spending or reinvest them.
21-year plan: Extra 25% of insured amount at maturity . 25-year plan: Extra 5% of insured amount at maturity.
Earn non-guaranteed annual and terminal bonuses . Annual bonuses, once added, become guaranteed.
Includes a waiver of premium benefit if you suffer Total and Permanent Disability before age 70.
Option to add riders for more comprehensive coverage. Option to Purchase Additional Insurance (OPAI) Benefit.
Choose Your Plan: 21-year plan or 25-year plan
Set Your Insured Amount: This determines your premiums and benefits
Pay Regular Premiums: Monthly, quarterly, semi-annually, or annually
Receive Annual Coupons: 5% of insured amount from end of 2nd year to 2nd last year
Accumulate Bonuses: Potential for annual and terminal bonuses
Get Maturity Payout: 21-year plan: 25% extra of insured amount, 25-year plan: 5% extra of insured amount
23-year-old, chooses 25-year plan, S$10,000 insured amount, S$71.12 monthly premium. Gets S$500 annual coupon from 2nd year. At maturity (age 48): Guaranteed payout of S$12,000, potential total payout of S$21,240 to S$23,505 .
32-year-old, chooses 21-year plan, S$50,000 insured amount, S$380.45 monthly premium. Gets S$2,500 annual coupon from 2nd year. At maturity (age 53): Guaranteed payout of S$60,000, potential total payout of S$96,303 to S$105,033 .
Regular coupons allow you to enjoy life while still saving
You're guaranteed to receive at least 120% of your insured amount
Non-guaranteed bonuses can boost your savings
Includes insurance coverage and option to add more
Choose between 21-year and 25-year plans, option to reinvest coupons or spend them
Start saving with as little as S$38 per month
If you suffer Total and Permanent Disability before age 70, your future premiums are waived , but you continue to receive all benefits.
At certain life events (like marriage or having a child), you can purchase additional insurance without medical underwriting .
Add extra coverage for critical illnesses, medical expenses, or accidents.
Long-Term Commitment : Early termination may result in losses
Non-Guaranteed Elements : Some benefits depend on the company's performance
Not a Short-Term Savings Plan : Designed for long-term savings, not quick access to funds
Limited Coverage : Basic plan provides limited insurance coverage; consider adding riders for comprehensive protection
There's typically a free-look period where you can cancel without penalty.
There may be a grace period, after which the policy may lapse if premiums aren't paid.
The OPAI benefit allows you to purchase additional insurance at certain life events.
No, bonuses are not guaranteed and depend on the company's performance.
The main differences are the premium amount, maturity age, and final maturity payout percentage.
AIA SmartRewards Saver (II) offers a unique approach to savings , allowing you to build for your future while still enjoying the present. Its combination of guaranteed coupons, potential bonuses, and insurance protection makes it an attractive option for those looking to develop a long-term savings habit.
However, as with any financial decision, it's crucial to consider your personal circumstances, financial goals, and risk tolerance. While the plan offers many benefits, it's a long-term commitment that may not be suitable for everyone.
Ready to explore if AIA SmartRewards Saver (II) is right for you? Don't rely on just one perspective. Get expert insights tailored to your unique financial situation. Sign up now to receive 5 expert opinions on savings plans that could work for you. 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 savings strategy for your future. Don't leave your financial future to chance – get the expert advice you deserve today.
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