PB Smart Link

PB Smart Link

(This is an insurance product)

Enhance your investment opportunities with personal protection.

PB Smart Link, is a single premium Investment- linked Insurance plan that covers Death or Total and Permanent Disability (TPD).

PB Smart Link is suitable for those who are looking for an investment plan with minimal insurance coverage. This plan allows one to choose from a range of 17 AIA equity, bond, fixed income or managed (mixed asset) funds, depending on which fund best suits one’s needs and risk profile.

Here is what PB Smart Link offers:

  • Potential Growth on Funds Invested
  • Investment and Protection in One Plan
  • Boost Your Investment Value at Any Time
  • Simple Enrolment
How Does PB Smart Link Work?

Potential Growth on Funds Invested
  • You can enjoy potential investment gains via AIA Investment Funds.
  • Up to 17 AIA Investment Funds with varying risk profiles are available for you to choose from.
  • 95% of your single premium will be invested into any fund(s) of your choice.
Investment and Protection in One Plan
  • Just a one-time premium payment, covers you up to 100 years old1.
  • In the event of Death or Total and Permanent Disability (TPD), AIA shall pay the higher of any of the following:
    • Sum assured plus any top-up premium2 less any withdrawal amount; or
    • Fund Value;
Sum Assured Table
  Entry Age Sum Assured
Standard lives 14 days to 55 years old  125% of Single Premium 
56 – 70* years old 105% of Single Premium
Sub-standard lives 14 days - 70* years old 105% of Single Premium
*For TPD: entry age is up to age 64.

Boost Your Investment Value at Any Time
  • You have the freedom to invest more2 when you have extra money or withdraw3 the money when you need it
  • You can enjoy the flexibility in switching your funds at anytime according to your risk tolerance level4.
Simple Enrolment
  • Only answer 3 simplified underwriting questions5 upon enrolment with a minimum single premium amount of RM 8,000.

1 TPD coverage is up to age 65
2 The policy owner may contribute any ad hoc top-up premium at any time after policy inception with a minimum amount of RM500.
3Referring to partial withdrawal facility – the minimum withdrawal amount is RM1,000 and subject to the minimum balance of RM 4,000 of fund value.
4 Referring to fund switching facility.
5 Please refer to Proposal Form on the underwriting questions.

Who is eligible to buy PB Smart Link?

This plan is available to individuals aged between 14 days and 70*years old (nearest birthday). However, the minimum age of policy owner is 18 years old (nearest birthday)
*The maximum entry age for TPD coverage is 64 years old (nearest birthday).

Coverage Term
This plan covers you up to 100 years old**.

**TPD coverage is up to age 65.

What doesn’t PB Smart Link cover?
The major exclusions are stated as below:
  • 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 Fund Value together with the total premium charge and Policy Charges deducted from the Issue Date or Commencement Date, whichever is later. Thereafter, the Policy shall be terminated.
  • Any Total and Permanent Disability (TPD) resulting from:
    • Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane; or
    • Services in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order; or
    • entering, exiting, operating, 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; or
    • Any congenital defect which has manifested or was diagnosed before the Insured attains seventeen (17) years of age; or
    • Pre-existing disability resulting from a physical or mental condition.
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.

To find out more, call us now at +603 - 2170 8000‚Äč 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. 200701032867 (790895-D) Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur, P.O. Box 10846, 50927 Kuala Lumpur

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