AIA Guaranteed Protect Plus II Special Review

The complete Pros and Cons on AIA Guaranteed Protect Plus II Special

AIA Guaranteed Protect Plus II Special is a whole life insurance plan that gives you coverage against Death, Total and Permanent Disability (TPD), and Multi-stage Critical Illnesses (CIs) with riders to waive future premiums upon diagnosis of CIs.

AIA Guaranteed Protect Plus II Special product details

  • Life policy – Whole Life Policy
  • Coverage
    • Be protected against Death, Total and Permanent Disability, and 2 Critical Illness (CI) coverage options
      • Multi-stage Critical Illness (104 CIs) and/or Advanced-stage Critical Illness (43 CIs)
      • Your child receives Child Critical Cover for coverage against 16 child Critical Illnesses and 9 special conditions such as ADHD, Autism, and Dyslexia if you choose Multi-stage Critical Illness 
  • Premium Payment Term
    • Choose to pay premiums for 12, 20 years, or up to age 65 or 75
  • Guaranteed Cash Accumulation
    • Receive guaranteed cash accumulation and non-guaranteed bonuses when the policy reaches the maturity date
  • AIA Milestone Benefit
    • Upon reaching a major milestone (i.e. marriage, become a father/mother) you may choose to pick up an additional endowment or whole life plan with no medical questions asked
  • Optional Add-ons
    • Early Critical Protector Waiver of Premium
      • Future premiums are waived upon the diagnosis of any of the 103 multi-stage Critical Illness
    • Critical Protector Waiver of Premium
      • Future premiums are waived upon the diagnosis of any of the 42 Advanced-stage Critical Illness
    • Early Critical Protector Payor Benefit
      • Premiums of your child’s plan and eligible riders will be waived upon diagnosis of any of the 103 CIs, TPD, or Death

Features of AIA Guaranteed Protect Plus II Special at a glance

Refer to below for a simplified overview of AIA Guaranteed Protect Plus II Special:

Cash and Cash Withdrawal Benefits

  • Cash value: Yes
  • Cash withdrawal benefits: No

Health and Insurance Coverage

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

Health and Insurance Coverage Multiplier

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

Optional Add-on Riders

  • Early Critical Protector Waiver of Premium
  • Critical Protector Waiver of Premium
  • Early Critical Protector Payor Benefit

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

AIA Guaranteed Protect Plus II Special may be suitable if you are looking for

AIA Guaranteed Protect Plus II Special may potentially be a good fit if the following matters to you:

  • High protection for Death and Total and Permanent Disability coverage at an affordable premium.
  • High Early Critical Illness and Critical Illness coverage in an Insurance Policy.
  • Health and Protection coverage due to a shortfall in your Insurance Portfolio.
  • Accumulating cash value in the policy for financial returns in the long-term.
  • Paying premiums only for a limited number of years and enjoying coverage for a lifetime.

Read About: How much insurance coverage do you really need in Singapore *NEW*

In-depth Review: Term life vs Whole life – Which is better for you?

AIA Guaranteed Protect Plus II Special may not be suitable if you are looking for

AIA Guaranteed Protect Plus II Special may potentially be a bad fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your insurance policy.
  • Access to cash from your policy on a regular basis.
  • Insurance policy with a high surrender value in the early years of the policy.
  • Potentially higher financial returns compared to a pure investment product.

For pure insurance savings or investment plans, please refer to the following policy reviews:

In-depth Review: 3 Best Endowment Savings Plans in Singapore with Lifetime Wealth Accumulation (2020 Edition)

In-depth Review: 3 Best Investment Linked Policies in Singapore for Wealth Accumulation (2020 Edition)

Further considerations on AIA Guaranteed Protect Plus II Special

  • How is AIA or AIA Guaranteed Protect Plus II Special investment returns based on historical performance?
  • How does AIA Guaranteed Protect Plus II Special compare with Whole Life Policy from other insurance companies?
  • Can AIA Guaranteed Protect Plus II Special fulfill my financial insurance, health, and protection needs?
  • How does the multiple claims rider for various stages of Critical Illnesses works?

The above information may not fully highlight all the product details and features on AIA Guaranteed Protect Plus II Special.

Talk to us or seek advice from a financial adviser before making any decision about AIA Guaranteed Protect Plus II Special.

Read AboutWhere do you start with financial planning?

Read About: 8 Commonly made financial mistakes by Singaporeans

Compare before you commit

Before committing to a whole life insurance policy, it certainly pays to make an effort to compare. Specific product features, benefits, and payouts 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?

Even worse, to know you can compare whole life insurance plans here,  100% free of charges on the InterestGuru.sg platform.

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Understanding your coverage needs…

You whole life plan can provide comprehensive coverage against all 37 major illness. Choose the level of protection you need for yourself and your family.

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Your annual insurance premium will be lower if you choose to spread out your premium term over a longer period of time.

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Name:

Gender:

Birthdate:

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Step 2: Understanding your coverage needs…

Please select the amount (sum assured) and type of lifetime coverage that is required for this plan:

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Before you go...
AIA Guaranteed Protect Plus II Special 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!

 

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