PB Signature Heritage

• A protection plan that offers 6 different currencies for your selection
  
  • Ensures that your wealth is preserved and protected in the currency of your choice.
    • Death Benefit¹
      
      • Pays the basic sum assured or account value from single premium / regular premium and any PB Saver premium, whichever higher, plus any account value from top-up premium.
    • Terminal Illness Benefit^1,2
      
      • Pays the basic sum assured or account value from single premium / regular premium and any PB Saver premium, whichever higher, plus any account value from top-up premium.
• 100% premium allocation³
  
  • 100% of your premiums are invested from day one to fully capitalise on growth opportunities.
• Death Bequest Option⁴
  
  • The Death Bequest Option⁴ allows you to opt for the Death Benefit to be paid either in lump sum or in annual payments for up to 10 years.
• Loyalty Bonus⁵
  
  • Enjoy Loyalty Bonus⁵ every 10th policy year to boost your account value, until your policy matures.
• Easy onboarding journey⁶
  
  • Get up to USD 3 million coverage without having to go for a medical check-up.
• Freedom to reset your coverage with Cover Reset⁷
  
  • If you make a withdrawal from your account value which results in the reduction of your coverage amount, Cover Reset⁷ will reset your coverage amount to 100% on the 2nd policy anniversary from the withdrawal date.
• Enjoy preferred rates by being healthy
  
  • Enjoy lower premium and cost of insurance charges throughout your coverage term if you fulfil the medical conditions set by us.

Notes:

This is an insurance product that is tied to the performance of the 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, terms and conditions and exclusions, please refer to the policy contract. For AIA Investment-Linked Funds, please refer to the AIA 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!

This plan is available for individuals aged between 18 and 80 years old.
The entry age varies based on the coverage 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 terminal illness arising from the occurrence of the following is not covered:
  • Any pre-existing illness, diseases, impairments or conditions from which the Insured is suffering prior to the issue date or reinstatement date of your policy, whichever is later, unless the Insured makes a declaration in the application for the policy or in the application for reinstatement of the policy, and such application is specifically accepted by AIA Bhd.
  •  terminal illness for which the symptoms first occurred prior to the issue date or reinstatement date of the policy, whichever is later, or for which the diagnosis of terminal illness was made within 30 days following the issue date or reinstatement date of the policy, whichever is later.
  • if based on AIA Bhd.’s opinion, the diagnosis of terminal iIllness of the Insured was directly or indirectly due to Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV). Infection shall be deemed to have occurred where blood or other relevant tests indicate, in our opinion, either the presence of HIV or antibodies to HIV.