AIA Elite Secure Income Review

The complete Pros and Cons on AIA Elite Secure Income

AIA AIA Elite Secure Income product details

AIA Elite Secure Income is the first-in-market affordable, capital guaranteed investment-linked plan that lets you achieve your dream retirement confidently.

Boost your capital with Power-up Bonus and offer exclusive access to a series of institutional funds that are guided by best-in-class investment houses. All for as little as $300 a month.

Read about: 3 best Investment Linked Policies  in Singapore for Wealth Accumulation (2023 Edition)

  • Life Policy – Investment-linked policy
  • Issuance age from 0 to 65 years old
  • Every dollar that you put into the plan is guaranteed so you can invest and grow your retirement funds with complete peace of mind.
  • Choose to receive your monthly income over 10 or 15 years.
  • 2 types of monthly income
    • Secure Monthly Income
      • Get back 100% of your basic premiums paid during the Secure Payout Period. Regardless of market performance, the Secure Monthly Income is guaranteed and will be paid out to you even if your policy value falls to zero.
    • Target Monthly Income
      • Continue to receive your monthly income during the Target Payout Period when the Secure Payout Period ends, till the policy value falls to zero. The Target Monthly Income is non-guaranteed and is dependent on market performance.
  • Boost your capital with perpetual Power-up Bonus from the end of the 10th policy year and every 5 years thereafter.
  • Flexibility to adjust your plan based on your needs.

Read aboutHow does Investment-Linked Policy work?

Read aboutInvestment-Linked Policy: Is it the best option?

Features of AIA Elite Secure Income at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: Yes

Health and Insurance Coverage

  • Death: No
  • Total Permanent Disability: No
  • Terminal Illness: No
  • Critical Illness: No
  • Early Critical Illness: No

Health and Insurance Coverage Multiplier

  • Death: No
  • Total Permanent Disability: No
  • Terminal Illness: No
  • Critical Illness: Yes
  • Early Critical Illness: Yes

Optional Add-on Riders


Additional Features and Benefits


For further information and details, refer to AIA website. Alternatively, fill up the form below and let us advise accordingly.

Read AboutEffects of compounding returns on your investments

Read About5 ways to beat inflation in Singapore

AIA Elite Secure Income may be suitable if you are looking for

AIA Elite Secure Income may potentially be a good fit if the following matters to you:

  • Initial high protection for Death and Terminal Illness coverage at an affordable premium.
  • Initial high Early Critical Illness, Critical Illness and Total Permanent Disability coverage in an Insurance Policy.
  • Health and Protection coverage due to a shortfall in your Insurance Portfolio.
  • To participate in the long-term financial returns of investing.
  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Able to take investment risks and comfortable with financial market volatility.
  • Potentially higher financial returns compare to traditional Endowment and Whole Life Policy.

Read about: An introduction to Investment Linked Policy

NEW Feature: Compare investment-linked policies across insurance companies using the CompareNOW feature on

AIA Elite Secure Income may not be suitable if you are looking for

AIA Elite Secure Income may potentially be a bad fit if the following matters to you:

  • Life-long health and protection coverage due to increasing mortality charges.
  • Guaranteed financial returns in the long-run.
  • Insurance policy with a high surrender value in the early years of the policy.
  • Expecting an urgent need for withdrawal during a financial market downturn.

Read about3 things to consider before taking up a new financial product

Read about: Where do I start with financial planning?

Further considerations on AIA Elite Secure Income

  • How are the investment returns of AIA or AIA Elite Secure Income based on historical performance?
  • How good is AIA Elite Secure Income compared to Investment Linked Policy from other insurance companies?
  • Can AIA Elite Secure Income fulfil my financial insurance, health and protection needs?

The above information may not fully highlight all the product details and features on AIA Elite Secure Income. Talk to us or seek advice from a financial adviser before making any decision about AIA Elite Secure Income.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

Read aboutHow can I accumulate a million dollar (Realistically)

Where can I compare the payout and benefits of Investment Linked Policies?

Before committing to an insurance policy, it certainly pays to make an effort to compare. Specific products features, benefits and payout will differ more than you think across insurance companies. Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?

Use our Compare NOW feature to receive the most competitive quotes on Investment linked Policies. You just need to provide us with a couple of details below.

Is AIA Elite Secure Income suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

We compare quotations head to head on all leading insurers in Singapore

Singapore insurance companies

    Financial Solutions Enquiry Form

    What kind of insurance do you require more information with?

    What kind of protection products are you looking at ?

    For which event do you wish to be protected for?

    DeathTotal and Permanent DisabilityCritical Illness (Early stage)Critical Illness (Advance and Late stage)Income in the event of Disability

    How many year are you willing to make payment for?

    Compare for me!

    Would you expect to do partial withdrawal in the short term for this sum of money?

    How much funds are you looking to achieve? (in SGD)

    How many year are you looking to save for this amount of fund?

    How many years would you expect to require the full sum of fund?

    Compare for me!

    We are not sure too, let us work out your financial needs with you.

    Compare for me!


    Before you go...
    AIA Elite Secure Income may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
    Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!


    Need help?
    close slider

    Need help?