AIA MultiStage Critical Protector Review

The complete Pros and Cons on AIA MultiStage Critical Protector

AIA MultiStage Critical Protector is a simple and affordable way to supplement your protection against 6 common critical illnesses. Now you can live life to the fullest, knowing that you will be financially safeguarded with a one-time 100% payout as you head towards recovery.

AIA MultiStage Critical Protector product details

  • Non-participating policy – Term policy
  • Covers you with a one-time 100% payout for the following 6 critical illnesses:
    • Cancer, Heart Attack, and Stroke at the early, intermediate, and major stage
    • Kidney FailureAlzheimer’s Disease, and Parkinson’s Disease at the major stage
  • From less than S$0.50/day, choose from 4 coverage amounts (S$50K, S$100K, S$150K or S$250K) so you can be worry-free in your journey towards recovery, should you be diagnosed with a covered critical illness.
  • Flexibility to choose between a 20-year term or be protected until age 65.
  • Hassle Free Application; sign up easily with only 3 questions asked and no medical check-up required.

Features of AIA MultiStage Critical Protector at a glance

Cash and Cash Withdrawal Benefits

Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: No
Total Permanent Disability: No
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


Additional Features and Benefits


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

AIA MultiStage Critical Protector may be suitable if you are looking for

AIA MultiStage Critical Protector may potentially be a good fit if the following matters to you:

  • High Health and Protection coverage
  • High insurance coverage for Death and Critical Illness
  • Lower initial premium compared to other types of insurance policies
  • Looking to boost insurance coverage or fill shortfalls in an insurance portfolio
  • Insurance policy with a 100% premium refund when policy matures

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AIA MultiStage Critical Protector may not be suitable if you are looking for

AIA MultiStage Critical Protector may potentially be a bad fit if the following matters to you:

  • High insurance coverage for Early Critical Illness, Total Permanent Disability or Terminal Illness
  • Long-term cash accumulation
  • Regular cash payout
  • A one-time premium commitment with no further cash commitment

Read Also: No budget for financial planning?

Further considerations on AIA MultiStage Critical Protector

  • How is AIA or AIA MultiStage Critical Protector payout and claims based on past track record?
  • How does AIA MultiStage Critical Protector compare with Term policy from other insurance companies?
  • Can AIA MultiStage Critical Protector fulfill my financial, insurance, health, and protection needs?

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

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

Read About3 things to consider before taking up a new financial product

Is AIA MultiStage Critical Protector 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.

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    Before you go...
    AIA MultiStage Critical Protector 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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