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• 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

*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.

Notes:
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 RM 500.
³ Referring 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.

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.

• 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.

• 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, 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; or
  • Any congenital defect which has manifested or was diagnosed before the Insured attains 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. For AIA Investment-Linked Funds details, please refer to the AIA Fund Fact Sheet in AIA Bhd.'s website at www.aia.com.my for further details.