AIA Platinum Legacy IX Review

The complete Pros and Cons on AIA Platinum Legacy IX

AIA Platinum Legacy IX is a universal life insurance plan denominated in USD that enhances your assets when you pass to accomplish the goals you have set and planned

AIA Platinum Legacy IX product details

  • Life policy – Universal Life Insurance
  • USD policy
  • Enhance your assets with a guaranteed crediting rate on your initial premium for the first 3 years, and a special bonus at the end of policy year 10, 15, 20 and 30.
  • Ensure the long-term succession of your business and limit the risk of losing a key employee with a plan that complements your continuity strategy.
  • You can adjust your plan according to your needs with the option to pay your premium in a lump sum or at regular intervals over time. Should you wish to have access to liquidity, the plan allows you to make partial withdrawals and take a loan. You may also raise or lower your coverage amount according to your needs.
  • Coverage
    • This policy covers you against Death
  • Legacy Planning; distribute your wealth according to your wishes
    • The sum assured upon death can be left to your descendants as inheritance, letting you enjoy more of what you’ve made while fulfilling the initial sum of inheritance you intended to leave
  • Estate Liquidity; helps you divide your estate equally
    • Using the death benefit from your Heirloom policy, the cash from your death benefit can use to spread your inheritance fairly in the event you have several assets that would not have previously been fairly-divided.
  • Portfolio Diversification; spread out your investments
    • Manulife Heirloom helps you spread out your investment and achieve the right balance in your assets portfolio
  • Business Continuity; protect your most valuable employee
    • Cover your key employee against death, upon the death of a key employee, you will receive the death benefit to cover for any shortfall that your business might encounter due to the loss of said key employee
      • Otherwise, this policy can also be transferred to another employee if and when the employee insured leaves the company

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

Features of AIA Platinum Legacy IX at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: Yes

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: No
Terminal Illness: Yes
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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Is AIA Platinum Legacy IX suitable for me?

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    Before you go...
    AIA Platinum Legacy IX 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.
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