AIA Investment-Linked Life Insurance
AIA’s A-Life Wealth Builder offers a unique combination of investment opportunities and robust protection benefits, ensuring peace of mind and financial growth.
Read below to delve into the comprehensive coverage benefits that this AIA investment-linked plan provides.
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AIA A-Life Wealth Builder Insurance Plan
A-Life Wealth Builder is an investment-linked insurance plan that covers death and Total and Permanent Disability (TPD). This plan offers a high level of protection with coverage starting from RM 350,000.
1. Death and Total Permanent Disability (TPD) Coverage
A-Life Wealth Builder ensures that your loved one is financially protected if you pass away or suffer from Total Permanent Disability (TPD). Here is how it works:
- 100 % payout of the coverage amount or the account value, whichever is higher, upon death or TPD.
- This payout ensures that your family’s financial needs are taken care of during challenging times.
The key benefits of the coverage include:
- Financial Security. Your family receives substantial financial support.
- Flexibility. Coverage amount or account value, whichever is higher, ensures maximum benefit.
2. Enhanced Accidental Death Coverage
Accidents are unforeseen and can have devastating financial impacts. A-Life Wealth Builder provides enhanced coverage for accidental death:
- 200% payout of the coverage amount or account value if death occurs due to an accident.
- 300 % payout if the death happens due to a natural disaster or while using public conveyance.
The key benefits of this coverage include:
- Double protection. Significant financial support in case of accidental death.
- Triple Benefit for Natural Disasters and Public Conveyance. Ensures higher protection in specific circumstances.
AIA Vitality Wealth Booster Coverage
This Vitality Wealth Booster is an additional benefit that enhances your coverage. By becoming an AIA Vitality member, you can earn extra rewards based on your healthy lifestyle choices:
- Boost your coverage with additional value when your policy matures, terminates due to death, or upon 100 % payment of the TPD or Critical Illness benefit.
- The booster amount increases with your engagement in healthy activities.
The key benefits of this coverage include:
- Health benefit. Encourages a healthier lifestyle while increasing your coverage benefits.
- Additional Value. Adds more value to your policy at no extra premium cost.
AIA Life Stage Celebration Withdrawal
A-Life Wealth Builder allows you to make withdrawals for significant life-stage events without reducing your coverage amount or wealth rewards. You can withdraw up to 10 % of your total account value for events like graduating, having a new child, buying a house, and more. These withdrawals ensure that you can celebrate and manage important life milestones without financial strain.
The key benefits of this coverage include:
- Flexibility. Access to funds for key life events
- Financial Ease. Manage significant expenses without impacting your coverage
AIA A-Life Wealth Builder Optional Benefit
Enhance your protection with a range of optional benefits tailored to your needs:
- A-Plus CI Guard: Additional coverage for 45 critical illnesses.
- A-Plus Waiver: Ensures continuous premium payment if you are diagnosed with any of the covered critical illnesses.
- A-Plus Spouse Waiver Extra: Covers premium payment if your spouse passes away or suffers from TPD or a critical illness.
The key benefits of this coverage include:
- Comprehensive Protection. Cover various critical illnesses and life scenarios
- Continous Coverage. Ensures your policy remains active during tough times.
Frequently Asked Questions for AIA A-Life Wealth Builder
The minimum coverage amount for A-Life Wealth Builder is RM350,000, providing substantial protection for you and your loved ones.
The Vitality Wealth Booster provides additional value based on your healthy lifestyle choices. By engaging with the AIA Vitality program, you can increase your coverage benefits without additional premiums.
Yes, A-Life Wealth Builder allows you to withdraw up to 10% of your total account value for significant life-stage events such as graduating, having a new child, or buying a house, ensuring financial flexibility.
You can enhance your protection with optional benefits like A-Plus CI Guard, A-Plus Waiver, and A-Plus Spouse Waiver Extra, providing additional coverage for critical illnesses and ensuring continuous premium payments under specific conditions.
Contact Red Cover Insurance Agent for Expert Guidance
Secure your future with AIA’s A-Life Wealth Builder. For personalized advice and more information, contact your trusted Red Cover Insurance Agents today. Our experts are ready to help you understand the benefits and choose the best coverage for your needs.
Protect your loved ones and grow your wealth with A-Life Wealth Builder. Let’s secure your future together!
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