AIA A-Life Wealth Builder

Customers can pay for 5 years, 10 years, 20 years, or the entire coverage period, so it’s entirely up to them.

TPD benefits or Death coverage benefits (prior to age 70) are the main two coverage for AIA A-Life Wealth Builder Life Insurance benefits. The Coverage Period of this policy is 70, 80, and 100 years old, Higher than the Basic Sum Assured or Account Value.

TPD (Any Occupation) or Presumptive Disability before the age of 70, or Juvenile Disability, the benefit payable is 100 % of the TPD Sum Assured or Account Value, whichever is larger.

The AIA A-Life Wealth-Builder is suitable for:

Young professionals and entrepreneurs ( 35–45 years old). The ideal applicant is successful in life, has a beautiful home, and is financially stable. They wish to get a lot of insurance to cover their home payments and their family’s existing lifestyle.

Pre-retirees and businessmen ( 46 to 55 years old) You’re in good financial shape, with your debts practically paid off. You want to leave a legacy to your loved ones so that your family is well cared for.

If the insured person dies in an accident before they reach the age of 70, they will get 200 % of your Basic Sum Assured or Account Value. Please take in mind that the maximum accidental death benefit is RM25 million per life, which is less than 100% of the base value assured.

1) A-Plus Waiver Ensures continuous payment if the Insured is diagnosed with 44 Critical Illness or undergoes a covered surgery. Coverage up to the end of the payment term.

2) A-Plus Spouse Waiver Extra Ensures continuous payment if the Spouse passes away or suffers from TPD (up to the age of 70) or is diagnosed with 44 critical illnesses or undergoes surgery it will be covered to the end of the payment term, or until the Spouse turns 100, whichever is earlier.

3) A-Plus Parent Waiver Ensures continuous payment. If the parent passes away or suffers from TPD (up to the age of 70) or is diagnosed with 44 critical illnesses or undergoes surgery it will be covered to the end of the payment term or until the Insured turns 25, whichever is earlier.