PB WealthPlus

PB WealthPlus

PB WealthPlus

LEAVE A MEANINGFUL LEGACY FOR YOUR LOVED ONES

PB WealthPlus, an Investment-Linked Insurance Plan designed to enable you to walk through life confidently, knowing that your family is looked after and that their lifestyle will not be compromised when you are no longer around.

Here’s what PB WealthPlus provides you:

  • Life protection that pays up to 3 times your sum assured
  • Additional 20% of Account Value at maturity with Maturity Booster
  • Control of your investments to maximise potential returns
  • Flexibility to choose your coverage and premium payment term
  • Optional waiver of premium rider to enhance your coverage
  • Additional insurance benefits in the form of Wealth Boost if you sign up as an AIA Vitality member

How does PB WealthPlus work?

Protect your loved ones’ future
  • Pays 100% of sum assured upon death or total and permanent disability (TPD)1
  • 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

Celebrate your plan’s maturity with reward
  • Reap the rewards of your careful planning with 100% of your Account Value at maturity
  • You will receive an additional 20% of your Account Value as a Maturity Booster2
Maximise your investment value at any time
  • You can top up your investment when opportunities arise, or switch to another AIA Investment Fund if your investment goals change
Tailor your protection to your needs
  • You have the flexibility to choose the coverage and premium payment terms that best suit your needs.
Safeguard your legacy with enhanced protection
  • You can add PB WealthPlus Waiver to your coverage to waive all your future premiums if you suffer from any one of the covered Critical Illnesses.
Get more account value through Wealth Boost
  • When you sign up as an AIA Vitality member, you may receive additional account value under the Wealth Boost feature when your plan matures or ends due to death or TPD claim.
 

Notes:

1TPD and accidental death coverage is up to age 70 only. Only one of the death benefits above is payable.

2Excluding Account Value from ad hoc top-up premium (if any), and is capped at 20% of the sum assured of your PB WealthPlus plan.


Who is eligible to buy PB WealthPlus?

This plan is available for individuals aged between 18 years 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

Entry Age (nearest birthday)

Up to age 70
5 years 18 – 55 years old
10 years 18 – 55 years old
20 years 18 – 50 years old
Up to age 80
5 years 18 – 65 years old
10 years 18 – 65 years old
20 years 18 – 60 years old

You may add PB WealthPlus Waiver to your coverage if you are 60 years old or below.

What doesn’t PB WealthPlus cover?

The major exclusions are stated as below:

  1. Death due to suicide within 1 year from the Issue Date or Commencement Date, whichever is later. AIA Bhd.’s liability shall be limited to the refund of the Account Value together with the total unallocated premium and Policy Charges deducted from the Issue Date or Commencement Date, whichever is later. Thereafter, the Policy shall be terminated.

  2. Any TPD arising from the occurrences of the following is not covered:
    • Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane;
    • Services in any armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order;
    • Activities connected to any aerial device or conveyance except as a fare-paying passenger or crew member on a commercial airline on a regular scheduled passenger trip over its established passenger route;
    • Any congenital defect which has manifested or was diagnosed before age 17; or
    • Pre-existing disability resulting from a physical or mental condition.

  3. Any accidental death arising from the occurrences of the following is not covered under Accidental Death Benefit and Accidental Death in Public Conveyance Benefit:
    • Assault or murder;
    • Riot and civil commotion, industrial action or terrorist activity;
    • Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane;
    • War, declared or undeclared, or revolution;
    • Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order;
    • Making an arrest as an officer of the law;
    • Violation or attempted violation of the law or resistance to arrest;
    • Participation in any fight or affray;
    • Racing on horse or wheels;
    • Accident occurring while or because the Insured is under the influence of alcohol, any non-prescribed drug or illegal drug;
    • Hernia, ptomaines or bacterial infection (except pyogenic infection which shall occur with and through an accidental cut or wound);
    • The intentional or negligent inhalation or consumption of poison, gases or noxious fumes; or
    • Entering, exiting, operating, or servicing, or being transported by any aerial device or conveyance except when the Insured is a fare-paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route.

  4. Any critical illnesses arising from the occurrence of the following is not covered under PB WealthPlus Waiver:
    • Pre-existing Conditions prior to the Issue Date or Commencement Date, whichever is later;
    • Cancer, Heart Attack, Coronary Artery By-Pass Surgery and Serious Coronary Artery Disease, for which the signs or symptoms first occurred within 60 days following the Issue Date or Commencement Date, whichever is later;
    • 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;
    • Critical illness was diagnosed directly or indirectly due to a congenital defect or disease which has manifested or was diagnosed before age 17; or
    • The diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer's Disease / Severe Dementia or Terminal Illness was directly or indirectly due to an Acquired Immune Deficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV).

The description, benefits, exclusions, terms and conditions described above have been summarized and are not exhaustive.

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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