PB Elite Signature

• 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, an amount based on a percentage of sum assured² will be used to purchase units based on 100% allocation rate and it will be credited into your Saving Account, based on the following schedule:

    Sum Assured	Wealth Bonus (% of Sum Assured)
    RM 500,000 to < RM 1.25mil	0.35%
    RM 1.25mil to < RM2mil	0.45%
    ≥ RM 2mil	0.50%

• provided that:
  
  • No withdrawals 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.

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.

• 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.

• 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.

• 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.

• 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. For AIA Investment-Linked Funds details, please refer to the AIA Elite Funds Fund Fact Sheet in AIA BHD.'s website at www.aia.com.my for further details.