What is AIA A-Life Signature Beyond?
A-Life Signature Beyond is one of the life protection plans offered by AIA with AIA Vitality that offers you coverage of up to 100 years old. The plan can be purchase via an AIA Life Planner making it easier for you to handle your policy and its details A-Life Signature Beyond is a investment-linked plan that gives you wider coverage and peace of mind that your loved ones will be taken care of.
How does the protection work?
With A-Life Signature Beyond you will get both protection and savings. This plan will guarantee that upon your death or if you suffer total and permanent disability, then your family will receive 100% payout of your sum assured. With the minimum coverage amount at RM500,000 you have your choice of maximum limits based on the plan you select.
After selecting your coverage amount, you can also choose your coverage term. You can choose to cover yourself up to the age of 70, 80 or if you want to go all the way, pick up the coverage plan that covers you till 100 years of age.
Then pick your premium payment terms, your payment terms can be renewed so you can always take a second look at your options when you come back to the policy renewal date. You can select payment terms of 5 years, 10 years, 20 years and even a Full Coverage Term.
Once that’s done, pick your optional benefits, there is a wide range of benefits that you can choose to attach to your plan. Extra coverage for Death, Critical Illnesses, coverage for your Spouse, or more covers for Total and Permanent Disability. The choice is yours.
Voila you have your perfect plan.
Is there a premium or coverage Bonus?
Yes, of course. With A-Life Signature Beyond you can also sign up for AIA Vitality, it’s a health programme offered by AIA for only RM10 a month. The program promotes your healthy choices and rewards you with bonus coverage. All you have to do is earn Vitality Points by doing healthy activities, collect points to level up your Vitality Status and with a higher status you get better rewards.
With AIA Vitality’s coverage booster, you will receive additional account value with a maximum 20% increase of your plan’s basic coverage amount. The booster will ensure that when your plan matures, your payout increases.
What are the requirements?
To be eligible for the purchase of this plan you will need to be at least 18 years of age. Parents please take note of this if you wish to take out an independent life insurance for your child.
Application for this plan is open to anyone up to the age of 70 years old, on your next birthday. After which the policy will run on a renewal basis. A-Life Signature Beyond is open to Malaysians only.
Can I withdraw my savings?
When you indeed have extra money that you want to go into the savings you can do so by adding it to your premiums, however the money is for you. Which means that when you need it, you are entitled to withdraw the saved amount.