PB Elite Signature

PB Elite Signature

Privileged Access To Wealth Management Expertise

PB Elite Signature is a regular premium Investment-Linked Insurance Plan which provides insurance coverage against death and Total and Permanent Disability (TPD). This plan gives you the flexibility to choose from the various coverage term and premium payment term that suit your needs. You can top up your investment when opportunities arise to maximise your investment value. In addition, you can also enhance the insurance protection of this plan by adding extra coverage from optional rider.

What Does PB Elite Signature Offer?

Protect the future of your loved ones

  • Pays 100% of sum assured upon death or TPD1
  • Pays 200% of sum assured upon accidental death1
  • Pays 300% of sum assured if accidental death happens while in public transport1

That's not all, if your plan's account value is higher than the above, the account value shall be payable instead, allowing your loved ones to receive more than what you have planned for them.

Rewards you for staying committed
Wealth Bonus: At the end of Policy Year 10 and every subsequent 5 years thereafter, up to maturity, 0.35% of sum assured2 will be used to purchase units based on 100% allocation rate and it will be credited into your Saving Account, provided that:

  • No withdrawal are made for the preceding 10 years for first payment and 5 years for every subsequent payment from your account; and
  • Premiums are paid up to date.

Additional reward for staying healthy3
When you sign-up as an AIA Vitality member, you may unlock additional benefit through the Vitality Wealth Bonus feature with your Vitality Wealth Bonus Percentage which starts from 30%.

Celebrate your plan's maturity with reward
Reap the rewards of your plan with 100% of your account value at maturity.
You will receive an additional 25% of your account value as Maturity Wealth Bonus4.

Tailor your protection to suit your needs
You may choose to be covered for up to age 60, age 70 or age 80. You also have the option to choose your premium payment term either for 6 years or 10 years

Continue investing after maturity5
You may choose to continue investing your account values in AIA Elite Funds with Stay Invested option after maturity, until age 85 of Insured. You may also withdraw the account value any time according to your desired unit price.

Unparalleled wealth expertise - AIA Investment Management
PB Elite Signature's AIA Elite Funds are actively managed by AIA Investment Management, a dedicated team of investment professionals backed by the expertise of AIA Investments, the exclusive investment arm of AIA Group and one of the largest asset managers in Asia-Pacific. AIA Investment Management differentiate themselves from other asset managers through their commitment towards active portfolio management, which allows them to deliver sustainable, long term investment outcomes to help you reach your wealth goals, effortlessly.

Bespoke wealth solutions - AIA Elite Funds
Our wealth solutions are tailored to suit your goals and risk preferences. Your portfolio will comprise a strategic mix of foreign equities and fixed incomes, targeted at providing optimal returns and financial stability for the long term.

Fund Profiles

You also have the flexibility to switch between the different Fund Profiles to suit your changing needs at a later stage in life.

You can select additional optional rider to enhance your protection:

PB Elite Waiver

Available for insured aged between 14 days old and 60 years old

1TPD and accidental death coverage is up to age 70 or expiry of your PB Elite Signature plan, whichever is earlier. Only one of the death benefits above is payable. If your plan’s account value is higher than the benefits above, we will pay you the account value instead.

2Sum assured refers to initial sum assured or current sum assured of your PB Elite Signature plan, whichever is lower.

3Please refer to the sales illustration or policy contract for further information about Vitality Wealth Bonus. For more information on the AIA Vitality programme (including its memberships fee), please refer to AIA Vitality Programme brochure or AIA Bhd. website at AIA.COM.MY.

4Excluding account value from regular top-up premiums and ad hoc top-up premiums (if any) and is capped at 25% of the sum assured of your PB Elite Signature plan.

5Please refer to the product disclosure sheet or policy contract for more details.

6The Automatic Fund Rebalancing feature rebalances your investment-linked funds to the original fund allocation of 50% in AIA Elite Adventurous Fund and 50% in AIA Elite Conservative Fund on quarterly basis to maintain the risk level of your portfolio over time.

Note: PB Elite Signature plan is not suitable for customer with Investment Preference “Conservative”. However, you may still purchase this plan with an understanding of the risk involved.

Who is eligible to buy PB Elite Signature?
This plan is available for individuals aged between 14 days old and 65 years old.
The entry age varies based on the coverage term and premium payment term as shown in the table below.

Coverage Term Premium Payment Term (years) Entry Age (nearest birthday)
Up to age 60 10 14 days old – 45 years old
Up to age 70 6 or 10 14 days old – 55 years old
Up to age 80 6 or 10 14 days old – 65 years old

 

What are the major exclusions for PB Elite Signature and its optional rider?

  1. Any death arising from the occurrence of the following is not covered:
    • Death due to suicide within 1 year from the Issue Date or Commencement Date, whichever is later.
  2. Any TPD arising from the occurrence of the following is not covered:
    • Willful exposure to danger or self-inflicted act while sane or insane; or
    • Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity; or
    • Pre-existing disability resulting from a physical or mental condition and pre-existing conditions prior to issue date or commencement date, whichever is later.
  3. Any accidental death arising from the occurrence of the following is not covered under Accidental Death Benefit and Accidental Death in Public Conveyance Benefit:
    • Willful exposure to danger or self-inflicted act while sane or insane; or
    • Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity.
  4. Any critical illness arising from the occurrence of the following is not covered under PB Elite Waiver:
    • Pre-existing Conditions prior to the issue date or commencement date, whichever is later; or
    • Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for Coronary Artery Disease, for which the signs or symptoms first occurred within 60 days following the issue date or commencement date, whichever is later; or
    • All other critical illnesses for which the signs or symptoms first occurred within 30 days following the issue date or commencement date, whichever is later.

The description, benefits, exclusions, terms and conditions described above have been summarized and are not exhaustive. For a detailed explanation on its benefits, terms and conditions and exclusions, please refer to the policy contract. Please refer to the AIA Elite Funds Fund Fact Sheet in AIA BHD.'s website at www.aia.com.my for further details.

To find out more, call us now at toll free number 1-800-22-9999 or visit any of our branches for more information!



This plan is underwritten by AIA Bhd. licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

Contact Details: AIA Bhd. (790895-D) Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur, P.O. Box 10846, 50927 Kuala Lumpur


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