AIA Life Wealth Builder in Malaysia
AIA’s A-Life Wealth Builder is designed to provide comprehensive protection while rewarding you for maintaining healthy financial habits. Here’s an in-depth look at the frequently asked questions (FAQs) about this innovative plan.
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Or send in an enquiry. We will create the best insurance quotations to fit your personal life insurance plans needs.
What is A-Life Wealth Builder?
A-Life Wealth Builder is a regular premium Investment-Linked Insurance Plan (ILIP). That offers coverage for Total and Permanent Disability (TPD) up to age 70 and death. It provides high protection with a minimum sum assured of RM350,000.
This plan also offers various premium payment and coverage term options to suit your needs. Along with enhanced protection through optional riders at additional costs. The plan rewards you for good savings behaviors with both Wealth Rewards and Wealth Booster.
Who are the target customers for A-Life Wealth Builder?
This A-Life Wealth Builder from AIA Malaysia offers a range of benefits:
- Professionals and young entrepreneurs: Successful individuals seeking high protection to cover mortgage loans and protect their family’s lifestyle.
- Businessmen and pre-retirees: Financially secure individuals planning to leave a legacy for their loved ones.
What are the benefits of A-Life Wealth Builder?
The benefits offered under this AIA A-Life Wealth Builder include:
- Death Benefit or TPD Benefit (prior to age 70): Provides higher of the Basic Sum Assured or Account Value.
- Accidental Death Benefit (prior to age 70): Pays 200% of the Basic Sum Assured or Account Value
- Accidental Death in Public Conveyance (prior to age 70): Pays 300% of the Basic Sum Assured or Account Value.
- Accidental Death due to Natural Disaster (prior to age 70): Pays 600% of the Basic Sum Assured or Account Value.
- Wealth Rewards: Paid out in one lump sum into the Savings Account from age 65 and every 10 years subsequently
- Wealth Booster: An additional percentage of the Basic Sum Assured payable at maturity, calculated based on coverage term and sum assured
What are the coverage terms and payment options?
The coverage terms for A-Life Wealth Builder include options up to age 70, 80, or 100. Premium payment terms can be adjusted to meet your financial planning needs, offering flexibility and long-term security.
AIA Wealth Rewards and Wealth Booster
Wealth Rewards are benefits that reward you for healthy financial habits. These rewards are credited into your Savings Account. Starting from the policy anniversary when the insured attains age 65 and every 10 years thereafter. Provided no withdrawals are made from the Protection or Savings Account (except for Life Stage Celebration events), premiums are up to date, and the policy is still in force.
Wealth Booster is an additional percentage of the Basic Sum Assured payable at maturity, designed to enhance your savings. The percentage is based on your coverage term and sum assured. With the potential to double the reward if no withdrawals are made and premiums are consistently paid up to date.
What optional riders are available for AIA A-Life Wealth Builder?
A-Life Wealth Builder offers several optional riders to enhance your protection:
- A-Plus CI Guard: Provides coverage for 45 critical illnesses.
- A-Plus CI Advance: Offers advanced critical illness coverage.
- A-Plus Waiver: Ensures premium payment continuity if diagnosed with critical illness.
- A-Plus Spouse Waiver Extra: Covers premium payments if the spouse passes away or is diagnosed with critical illness.
- A-Plus Parent Waiver: Covers premium payments if the insured’s parent passes away or is diagnosed with critical illness.
How does the Vitality Wealth Booster work?
By becoming an AIA Vitality member, you can enjoy an additional benefit called Vitality Wealth Booster. This benefit increases based on your engagement in healthy lifestyle activities. Offering additional value upon policy maturity, termination due to death, or 100% payment of TPD or Critical Illness benefit.
Contact Red Cover Insurance Agents for Expert Guidance
For a comprehensive understanding of AIA’s A-Life Wealth Builder and to tailor a plan that suits your needs, contact Red Cover Insurance Agents. Our experts are ready to provide personalized advice and help you make informed decisions.
Financial Security – It is There When Needed
Levine can help you to protect yourself and the future of your loved ones. Get immediate financial security. Don’t touch your savings. Let insurance provide it.
She can help provide financial security in times of hardship and will be able to ease the financial burden of your dependents in your absence.
Contact our AIA INSURANCE AGENT LEVINE LEE to get in touch with us and start your personal coverage, group coverage or choose your plan now. Get covered correctly. Be advised correctly. Call Levine Lee (+6012-684 0948) today to be advised on the best insurance protection personalized for you. Or send us the form below on your interest.
Secure your financial future with AIA’s A-Life Wealth Builder. Let’s build your wealth and health together!
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