AIA Mum2Baby Choices Review

The complete Pros and Cons on AIA Mum2Baby Choices

AIA Mum2Baby Choices product details

AIA Mum2Baby Choices provides protection for both mother and child from as early as the 13th week of pregnancy and offers guaranteed lifelong protection for your child up to age 100.

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Read about: 3 best Investment Linked Policies in Singapore (updated 2023)

  • Life policy – Whole Life Policy
  • Two bundle options for you to choose from:
    • AIA Mum2Baby Protect: 

      Consist of a base plan, AIA Guaranteed Protect Plus (II) (“GPP (II)”) and a pre-natal rider, AIA Baby Protect Plus. GPP (II) is a participating whole life plan that offers boosted protection, while providing guaranteed cash value that is accumulated over time.

    • AIA Mum2Baby: 

      Consist of a base plan, AIA Pro Lifetime Protector (“PLP”) and a pre-natal rider, AIA Baby Protector. PLP is an investment-linked plan that bolsters your protection during your early years while maximising your investments in the later years.

  • Covers expectant mums against pregnancy complications, death and offers daily financial assistance in the event of hospitalisation due to pregnancy complications
  • Covers your little one against congenital illness and provides daily hospitalisation benefit for incubation, ICU/HDU, including neonatal ICU/HDU due to premature birth and Hand, Foot and Mouth Disease for 3 years.
  • With no medical questions asked, you may transfer the base plan and applicable riders to your child easily within 60 days of birth, thus getting the assurance that your little one receives guaranteed lifelong protection

Read aboutHow does Investment-Linked Policy work?

Read AboutWhole Life Policy: How does it work?

In-depth Review3 Best Whole Life Plans in Singapore for Insurance Coverages (2023 Edition)

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AIA Mum2Baby Choices at a glance

Cash and Cash Withdrawal Benefits

Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: Yes
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: 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.

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AIA Mum2Baby Choices may be suitable if you are looking for

AIA Mum2Baby Choices 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 Mum2Baby Choices may not be suitable if you are looking for

AIA Mum2Baby Choices 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 Mum2Baby Choices

  • How are the investment returns of AIA or AIA Mum2Baby Choices based on historical performance?
  • How good is AIA Mum2Baby Choices compared to Investment Linked Policy from other insurance companies?
  • Can AIA Mum2Baby Choices fulfil my financial insurance, health and protection needs?

The above information may not fully highlight all the product details and features on AIA Mum2Baby Choices. Talk to us or seek advice from a financial adviser before making any decision about AIA Mum2Baby Choices.

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)

Read about: 3 best Investment Linked Policies in Singapore (updated 2023)

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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 Mum2Baby Choices 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

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Personalised term insurance plans

Get the maximum value out of your term life plan!

3 easy steps for your customised insurance plan

Step 1: Getting to know you…

Let's start with a introduction of your personal profile. Please note that your current age and gender affects the insurance premium you have to pay for your term life plan.





Step 2: Understanding your coverage needs…

Please select the amount and period of coverage that is needed for this term life plan.

How much life coverage (sum assured) do you need:

This insurance coverage is needed to the age (policy term) of:


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



Please check your inbox for an e-mail of your savings needs and we will be in contact with you within 24 hours.

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Before you go...
AIA Mum2Baby Choices 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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