Wednesday, December 22, 2010

ExcelPay 30 - Product Preview

We are entering a low interest rate era…How long will the interest remains at 2%? What is the interest trend, heading north? Or heading south?


No more uncertainties with ExcelPay 30!


EP30 is a limited 10-pay, 30 years endowment plan with Guaranteed Cash Payment* every 2 years:



5.04% of SA – 2nd, 4th, 6th, 8th, 10th policy year
6.02% of SA – 12th, 14th, 16th, 18th, 20th policy year
8.05% of SA – 22nd, 24th, 26th, 28th, 30th policy year
plus
100% of SA – at the end of 30th policy year


A total guaranteed payment of 195.55% of SA ispayable upon maturity!

Tuesday, December 21, 2010

What is Whole Life Plus Non Par (WLNP) about?

Your family means everything to you and you mean the world to them. Their happiness and well-being hinges on you, the breadwinner of the family. You provide them with all that they need
– quality education, reliable healthcare and a comfortable home. In short, you raised them up in a wholesome environment to pave the way for a bright future. Don’t you want this stability to continue for your family should something unfortunate happen to you?

Whole Life Plus Non Par is a whole life non participating insurance protection plan which offers death protection up to age 100 with guaranteed cash surrender value.

BENEFITS

What are the coverage / benefits provided?

This plan provides:
• Death protection up to age 100
• Total permanent disability up to age 601
• Guaranteed cash surrender value

Am I allowed to attach any additional riders in this plan?

You have an option to further enhance your insurance protection by adding in extra coverage from our range of optional benefits including;
• Critical Illness – Payable in one lump sum upon diagnosis of specific illnesses to help you cope with the extra medical cost.
• Hospitalization & Surgical Benefit – Provides coverage that can help with medical expenses in times of hospitalization.
• Accident Benefit – Provides extra coverage for injury or death due to accidents.
• Disability Income – Provides yearly income to see you through your disability.
• Comprehensive Female Coverage – Payable in one lump sum upon diagnosis of female related illnesses.

Note: Please refer to the policy contract for full details of the benefit coverage.


ELIGIBILITY

Am I eligible to apply for WLNP?

This plan is available to individuals of 4 weeks old to 65 years old; subject to the approval of our underwriters.

Your Needs - For Individuals

Products and services offered by AIA for individuals:


PROTECTION


AIA understands how important it is to guard against unfortunate events in life such as accident, illness, disability or death, thus ensuring family and loved ones are well protected. AIA's life insurance plans offer protection for you and your family against these unfortunate events and the possibility of financial strain. For individuals seeking to protect their health, AIA has a comprehensive range of health insurance plans ranging from medical, hospitalisation and long term care to critical illness.

AIA understands how important it is to plan ahead for important occasions such as saving for your children's education, starting a business or enjoying well-earned golden years in retirement. It is well known that the earlier financial planning is started, the better possibility there is of getting higher returns over time. AIA has various saving plans for achieving financial goals and securing the lifestyle that you desire. So start planning early and reap the rewards!

AIA aims to help you find an investment approach that fits your financial goal and risk appetite by combining innovative products with expert advice. AIA understands that each of you have unique financial goals, therefore AIA has designed a line of investment linked plans that offer you smart solutions to satisfy your portfolio needs by delivering consistent performance. Investment linked plans offer you the opportunity to participate in investment opportunities while ensuring you have financial protection through life insurance. You can benefit from investment opportunities in developed and emerging markets, and in different ranges of risk/return profiles.

For many, retirement can be one of the best and most enjoyable periods of your life if you plan ahead. You could take up a new hobby, travel the world or even take up a second career without the demands of pressing financial commitments. AIA understands how important it is and has the breadth and depth of expertise to provide the best products and services to matching individual needs. You can choose from our wide range of products including endowment plans and annuities that coincide with your retirement.

With AIA’s attractive fixed rate loans, purchasing residential properties and shop houses can’t be easier. Our special home and shop loan packages are designed with your needs in mind.