AIA Guaranteed Protect Plus (IV) Review

The complete Pros and Cons on AIA Guaranteed Protect Plus (IV)

AIA Guaranteed Protect Plus (IV) is a whole life insurance single solution that offers up to 5 times boosted coverage while accumulating stable cash value over time.

AIA Guaranteed Protect Plus (IV) product details

  • Life policy – Whole Life Policy
  • Coverage
    • Be protected against Death and Total and Permanent Disability
  • Multiplier Benefit
    • Choose from 2x,3x or 5x multiplier up to age 65 or 75
  • Premium Payment Term
    • Choose to pay premiums for 15, 20 or 25 years
  • Retrenchment Benefit
    • Have the option to defer premium payment for 12 consecutive months if you’re involuntarily retrenched, ensuring the continuity of your plan.
  • Withdrawal Flexibility
    • Have the flexibility to utilise 50% or 100% of your coverage amount for its cash value and receive annual cash payouts for 10 years to supplement your retirement income.
  • Flexibility for more coverage
    • Upon reaching a major milestone in life such as marriage or the birth of your little one, you have the option to purchase another whole life or endowment policy with no medical questions asked.

Features of AIA Guaranteed Protect Plus (IV) at a glance

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

Cash and Cash Withdrawal Benefits

  • Cash value: Yes
  • Cash withdrawal benefits: Yes

Health and Insurance Coverage

  • Death: Yes
  • Total Permanent Disability: Yes
  • Terminal Illness: Yes
  • Critical Illness: Yes (With added riders)
  • Early Critical Illness: Yes (With added riders)

Health and Insurance Coverage Multiplier

  • Death: Yes
  • Total Permanent Disability: Yes
  • Terminal Illness: Yes
  • Critical Illness: Yes
  • Early Critical Illness: Yes

Optional Add-on Riders

Early Critical Protector Life (IV)
Critical Protector Life (IV)
Early Critical Protector Waiver of Premium (II)
Critical Protector Waiver of Premium (II)
Early Critical Protector Payor (II)

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

AIA Guaranteed Protect Plus (IV) may be suitable if you are looking for

AIA Guaranteed Protect Plus (IV) 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 with riders.
  • 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 (IV) may not be suitable if you are looking for

AIA Guaranteed Protect Plus (IV) 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 (2023 Edition)

In-depth Review: 3 Best Investment Linked Policies in Singapore for Wealth Accumulation (2023 Edition)

Further considerations on AIA Guaranteed Protect Plus (IV)

  • How is AIA or AIA Guaranteed Protect Plus (IV) investment returns based on historical performance?
  • How does AIA Guaranteed Protect Plus (IV) compare with Whole Life Policy from other insurance companies?
  • Can AIA Guaranteed Protect Plus (IV) 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 (IV).

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

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 platform.

INSTANT quotes for Whole Life Plans

Whole Life Plans

Matching your profile…

Let’s start by filtering out the best whole life plans based on your age and gender. Your gender and age will affect the base premium payable.

Your current age is closest to:

Your gender is:

Male Female

Whole Life Plans

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.

You require a critical illness (for late stage major illness) coverage of:

You require an early critical illness (for all stages of major illness) coverage of:


Whole Life Plans

Finding you the best whole life plans…

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

Your prefer to make payment (premium term) for this whole life plan over a period of:

INSTANT quotes for Whole Life Plans

Is AIA Guaranteed Protect Plus (IV) suitable for you?

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

Personalised whole life plans

Pay for what you need in a whole life plan!

3 easy steps for your customised whole life insurance plan

Step 1: Getting to know you…

Let's start with a brief introduction of your personal profile. Please note that your current age and gender affects the insurance premium payable for your whole life plan.





Step 2: Understanding your coverage needs…

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

You need a death coverage (base coverage) amount of?

Do you required critical illness coverage in the event of a major illness (optional)?


Step 3: Finding the best whole life plans for you! team of financial planners will compare and provide you with the best whole life insurance plans based on your inputs.



Please check your inbox for an e-mail of your financial planning needs. We will be in contact with you within 24 hours.

Personalise your whole life insurance plans


Before you go...
AIA Guaranteed Protect Plus (IV) 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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