PB Max Gain

1. Get covered and grow your wealth from day one 

   • Death¹ / Total and Permanent Disability (TPD)¹ Benefit
     Life is full of possibilities, but it can also be unpredictable. In the event of any unfortunate death¹ or TPD¹ that happens to you, your loved ones will receive a lump sum payout.
   • 100% Premium Allocation
     To maximise growth potential, 100% of your regular premiums and PB Enhancer Saver premium² are invested from day one into the investment-linked funds you select. Your investment returns can be further boosted by bonuses paid throughout the policy term.
2. Flexible Premium Payment Options with Hassle-Free Onboarding  
   • Seamless Enrolment Experience
     Sign up quickly and effortlessly, with no health checks — just straightforward protection. Guaranteed Issue Offer (GIO) without underwriting for coverage up to RM3 million per life limit.
   • Flexible Premium Payment Term
     Choose between a regular premium payment term of 5 years, 10 years or 20 years that best suits your financial planning.
3. Supercharge your wealth with various bonuses  
   • Milestone Rewards Every 3 Years
     Your commitment to paying premiums on time brings rewards. Every three years, enjoy a Loyalty Bonus³ that adds extra value to your wealth — keeping your journey rewarding at every stage.
   • A Big Boost at Policy Year 25
     At Policy Year 25, you will receive a powerful Booster Bonus³ that significantly enhances your wealth — celebrating your long-term commitment in a big way.
   • Turn wellness into rewards — because health pays off
     Unlock extra rewards with Vitality Bonus³ for your healthy lifestyle when you sign up as an AIA Vitality member.
4. Introducing the Dividend Income Fund with Dividend Payout
   AIA Dividend-Focus MYR Fund offers access to multiple attractive income-generating strategies within one fund, with the choice to reinvest or receive potential quarterly dividend⁴ distributions. 

Notes: 
¹TPD coverage is available for insured aged between 14 days and 69 years old. The coverage for TPD is up to the policy anniversary immediately following the insured’s 70th birthday. If the insured dies or suffers TPD due to non-accidental causes within 2 years from the issue date or commencement date (whichever is later), the amount payable will be the higher of the total premiums paid (including any ad hoc top-up premium or regular top-up premium) without interest or the total account value of Protection Account and Savings Account as at the date of death or TPD. Thereafter, the policy shall terminate.

²Regular premiums and PB Enhancer Saver premiums shall be allocated to Protection Account with allocation rate of 100%. Any regular top-up premium and/or ad hoc top-up premium that you make shall be allocated to the Savings Account and Protection Account respectively, with an allocation rate of 95%.

³Terms and conditions apply. Please refer to the Sales Illustration, Product Disclosure Sheet and policy contract for further details on the Loyalty Bonus, Booster Bonus and Vitality Bonus.

⁴The AIA Dividend-Focus MYR Fund aims to distribute dividends on a quarterly basis. However, dividend distributions are not guaranteed and may vary depending on market conditions, including the possibility of no distribution in certain periods. Please refer to the fund flyer and fund fact sheet for AIA Dividend-Focus MYR Fund for more details.

This is an insurance product that is tied to the performance of underlying assets and is not a pure investment product such as unit trusts.

The description, benefits, exclusions, terms and conditions described above have been summarised and are not exhaustive. For a detailed explanation on its benefits, exclusions, terms and conditions, please refer to the policy contract. 

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

To find out more, call us now at +603-2170 8000 or visit any of our branches for more information! 

PB Max Gain is available for individuals aged between 14 days old to 75 years old. Entry age varies according to premium payment term, as shown in the table below:

Any death arising from the occurrence of the following is not covered:

• This plan does not cover death due to suicide within 1 year from the issue date or commencement date of the policy, 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;
• Assault or murder or due to war (declared or undeclared), revolution, riot and civil commotion, industrial action or terrorist activity;
• Wrongful act such as violation or attempted violation of the law or resistance to arrest, participating in any fight, racing on wheels or accidents due to intoxication of alcohol or drugs;
• 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
• TPD occurred prior to the issue date or commencement date of the policy, whichever is later.

Note: The list is non-exhaustive. Please refer to the policy contract for full details of the exclusions.