AIA Smart Growth (II) Review

The complete Pros and Cons on AIA Smart Growth (II)

NOTE: AIA Smart Growth (II) has been discontinued. For further information and details about this plan, fill up the form below and let us advise you accordingly.

AIA Smart Growth (II) product details

AIA Smart Growth (II) Rating on [usr=3.275]
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Read About3 best Savings plans and endowment policies in Singapore (updated 2023)

  • Life policy – Endowment and Saving policy
  • Issuance age from 0 to 60 years old
  • Savings plan designed to help you grow your wealth by saving for just 12 years
  • Choose a policy that lasts for 18, 21 or 24 years. You only have to make payments for 12 years and your premium won’t change
  • Receive the coverage amount plus any bonuses if you are disabled before the age of 70 or pass away
  • Option of purchasing an additional whole life or endowment plan without having to undergo medical checkups

Read AboutEndowment and Saving policy: How does it work?

Read AboutEndowment and Saving policy: Is it the best option?

Features of AIA Smart Growth (II) at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
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

Critical Protector Life
Critical Protector Waiver of Premium

Additional Features and Benefits


Read AboutEffects of compounding returns

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

AIA Smart Growth (II) may be suitable if you are looking for

AIA Smart Growth (II) may potentially be a good fit if the following matters to you:

  • A hassle-free application without medical underwriting
  • Short to medium term endowment and savings plan
  • To saving regularly over a period of time
  • To potentially generate higher financial returns compared to bank accounts

AIA Smart Growth (II) may not be suitable if you are looking for

AIA Smart Growth (II) may potentially be a bad fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Lifetime regular cash payout
  • A one-time premium commitment with no further cash commitment
  • Potentially higher financial returns compared to a pure investment product.
  • Insurance policy with a high surrender value in the early years of the policy.

Further considerations on AIA Smart Growth (II)

  • How is AIA or AIA Smart Growth (II) investment returns based on historical performance?
  • How does AIA Smart Growth (II) compare with Endowment policy from other insurance companies?
  • Can AIA Smart Growth (II) fulfil my financial, insurance, health and protection needs?

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

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

Read AboutWhere do I start with financial planning

Read About3 best Savings plans and endowment policies in Singapore (updated 2023)

Is AIA Smart Growth (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 Smart Growth (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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