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Aia Smart Growth Brochure
Aia Smart Growth Brochure
aia.com.sg
01 | SAVINGS AIA SMART GROWTH (II)
That’s why we have designed AIA Smart Growth (II). It’s a regular premium savings plan that
allows you to pay off your premiums faster, while helping to save for the things that matter
most. Whether your goals include saving for your child’s education, planning the holiday of a
lifetime, or saving for retirement, AIA Smart Growth (II) is a smart way to save. Plus, it has the
added benefit of offering life insurance protection too.
AIA SMART GROWTH (II) SAVINGS | 02
Example 1
Mrs Tan has a 1-year-old son. She would like to start building up funds for her son’s
university education by insuring him with AIA Smart Growth (II) 21. She intends to set aside
S$2,483.60 a year for the next 12 years for an insured amount of S$35,000.
Example 2
Mr Chew is a 35-year-old non-smoker who would like to supplement his existing retirement
plan with AIA Smart Growth (II) 24. He sets aside S$5,240 a year for the next 12 years for an
insured amount of S$80,000.
Note: Figures quoted in the examples are based on the projections at 4.75% investment returns and are for
illustration purposes only. Annual bonus and terminal bonus (if any) are non-guaranteed. Once credited to
the policy, annual bonuses (if any) form part of the guaranteed benefits of the policy. Terminal bonus is a
one-time, non-guaranteed, discretionary bonus that may be payable upon surrender, claim or maturity.
AIA SMART GROWTH (II) SAVINGS | 04
Q5. Can I change my mind and cancel the policy after I’ve purchased?
Yes. You may cancel the plan by writing to us within 14 days from the date you receive your
policy document (free-look period) and receive a refund of your premium paid without interest
(less any expenses incurred for your medical examination).
05 | SAVINGS AIA SMART GROWTH (II)
1
Annual bonus and terminal bonus payable (if any) are non-guaranteed. Once credited to the policy,
annual bonuses (if any) form part of the guaranteed benefits of the policy. Terminal bonus is a one-
time, non-guaranteed, discretionary bonus that may be payable upon surrender, claim or maturity.
2
Source: Life Insurance Association, LIA Protection Gap Study 2012, 28 August 2012.
3
For more details on the full list of covered critical illnesses, please refer to your critical illness rider
product summary.
4
The OPAI Benefit is only applicable to standard lives and must be exercised within 90 days following
any of these events in the life of the insured before he turns 55: (a) 18th birthday; (b) marriage; (c)
birth of a child; (d) adoption of a child through legal means; (e) death of a spouse. The above condition
(a) shall not apply if the insured is aged 18 and above when the policy is issued.
Important Notes:
This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”). All
insurance applications are subject to AIA’s underwriting and acceptance. This brochure is not a contract
of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits
under your policy may not be paid out, are specified in the policy contract. You are advised to read the
policy contract.
Buying a life insurance policy can be a long-term commitment. An early termination of the policy
usually involves high costs and the surrender value payable may be less than the total premiums paid.
You should consider carefully before terminating the policy or switching to a new one as there may be
disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost.
The business that is now AIA was first established in Shanghai over 90 years ago.
It is a market leader in the Asia-Pacific region (ex-Japan) based on life insurance
premiums and holds leading positions across the majority of its markets. It had total
assets of US$159 billion as of 31 May 2014.
AIA meets the long-term savings and protection needs of individuals by offering
a range of products and services including life insurance, accident and health
insurance and savings plans. The Group also provides employee benefits, credit life
and pension services to corporate clients. Through an extensive network of agents,
partners and employees across Asia-Pacific, AIA serves the holders of more than
28 million individual policies and over 16 million participating members of group
insurance schemes.
AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong
Limited under the stock code “1299” with American Depositary Receipts (Level 1)
traded on the over-the-counter market (ticker symbol: “AAGIY”).
AIA Singapore Private Limited
(Reg. No. 201106386R)
1 Robinson Road, AIA Tower, Singapore 048542
Monday - Friday 8.45am - 5.30pm
AIA Customer Care Hotline: 1800 248 8000
aia.com.sg