AIA Pro Lifetime Protector (II) Review

The complete Pros and Cons on AIA Pro Lifetime Protector (II)

AIA Pro Lifetime Protector (II) product details

AIA Pro Lifetime Protector (II) protects yourself and your loved ones against death, as well as disability and 150 multi-stage critical illnesses with the addition of comprehensive riders.

All while enjoying the flexibility to refine your investments with professional guidance, rejig your coverage to suit your goals for each life stage, and more.

Read about: 3 best Investment Linked Policies  in Singapore for Wealth Accumulation (2023 Edition)

  • Life Policy – Investment-linked policy
  • Issuance age from 0 to 70 years old
  • Increase your basic coverage by up to S$200,000 without medical underwriting during key life milestones, namely your 18th birthday, marriage, birth of child, death of spouse or adoption of child before your 60th birthday
  • Provides you guaranteed protection for the first 10 years regardless of your investment performance
  • 100% and subsequently 102% of your premiums will go into investments from the 5th and 10th policy year onwards respectively, making your money work harder for you.
  • Access your cash whenever you need it through partial withdrawals after the 2nd year, at no charge.

Read aboutHow does Investment-Linked Policy work?

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

Features of AIA Pro Lifetime (II) Protector at a glance

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
  • Early Critical Illness: Yes

Health and Insurance Coverage Multiplier

  • Death: No
  • Total Permanent Disability: No
  • Terminal Illness: No
  • Critical Illness: Yes
  • Early Critical Illness: Yes

Optional Add-on Riders

  • Total Disability Accelerator (II) Rider
  • Total Critical Accelerator (II) Rider
  • Lifetime Critical Cover Rider
  • Relapse Benefit Rider
  • Early Critical Protector Waiver Of Premium (II) Rider
  • Critical Protector Waiver Of Premium (II) Rider
  • Child Critical Cover Rider
  • Early Critical Protector Payor Benefit (II) Rider
  • Payor Benefit Comprehensive Special (II) Rider

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 Pro Lifetime Protector (II) may be suitable if you are looking for

AIA Pro Lifetime Protector (II) 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 Pro Lifetime Protector (II) may not be suitable if you are looking for

AIA Pro Lifetime Protector (II) 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 Pro Lifetime Protector (II)

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

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

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)

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 Pro Lifetime Protector (II) 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 Lifetime Protector (II) 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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