AIA Pro Achiever 3.0 Review

The complete Pros and Cons on AIA Pro Achiever 3.0

With AIA Pro Achiever 3.0, you can kick-start your investment journey with 100% of your premiums invested from day one.

AIA Pro Achiever 3.0 product details

  • Life Policy – Investment-linked policy
  • 100% of premiums invested from the start
    • Your premiums are 100% invested to help you accumulate wealth the moment you start investing
  • Welcome Bonus and Special Bonus
    • Up to 75% welcome bonus in the first 3 policy years
    • Special bonus of 5% from the 10th policy year, stepping up to 8% from the 21st policy year onwards
  • Choice of multiple Initial Investment Periods (IIP)
    • Choose from 10, 15 or 20 years
  • Flexibility
    • Enjoy the flexibility to take a break from paying premiums for up to 36 months, with no premium holiday charges
    • When the going gets rough, take a premium holiday and catch a break from paying your premiums until your finances turn around
    • Should the need arise, get access to your policy value at no charge after your IIP ends
  • Coverage
    • Secure your family’s financial future should unfortunate death occur
    • Additional payout should accidental death happen in the first 2 policy years
  • Legacy planning
    • You can transfer your plan to your spouse or child (below age 16) as the secondary insured for policy continuity should you pass on from an unforeseen event

Read aboutInvestment-Linked Policy: Is it the best option?

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

Features of AIA Pro Achiever 3.0 at a glance

Cash and Cash Withdrawal Benefits

  • Cash value: Yes
  • Cash withdrawal benefits: Yes

Health and Insurance Coverage

  • Death: No
  • Total Permanent Disability: No
  • 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

Term Rider
Early Critical Protector Waiver of Premium (II)
Critical Protector Waiver of Premium (II)
Early Critical Protector Payor Benefit (II)
Payor Benefit rider
Payor Benefit Comprehensive Special (II)

Additional Features and Benefits


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

Read aboutEffects of compounding returns on your investments

Read about5 ways to beat inflation in Singapore

AIA Pro Achiever 3.0 may be suitable if you are looking for

AIA Pro Achiever 3.0 may potentially be a good fit if the following matters to you:

  • To participate in the long-term financial returns of investing
  • A full-forced investment-linked policy with no insurance coverage
  • Able to take investment risks and comfortable with financial market volatility.
  • Potentially higher financial returns compared to traditional Endowment and Whole Life Policy.
  • Insurance options without medical underwriting

Read about: An introduction to Investment Linked Policy

NEW Feature: Compare investment-linked policies across insurance companies using the CompareNOW feature on

AIA Pro Achiever 3.0 may not suitable if you are looking for

AIA Pro Achiever 3.0 may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High Death and Terminal Illness coverage
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • 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.

Further considerations on AIA Pro Achiever 3.0

  • How is AIA or AIA Pro Achiever 3.0 investment returns based on historical performance?
  • How does AIA Pro Achiever 3.0 compare with Endowment policy from other insurance companies?
  • Can AIA Pro Achiever 3.0 fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features of AIA Pro Achiever 3.0. Talk to us or seek advice from a financial adviser before making any decision about AIA Pro Achiever 3.0.

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

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 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?

Use our Compare NOW feature to receive the most competitive quotes on Investment linked Policies.

Alternatively, you just need to provide us with a couple of details below.

Is AIA Pro Achiever 3.0 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.

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    Before you go...
    AIA Pro Achiever 3.0 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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