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AIA Smart Lifetime Rewards Review

The complete Pros and Cons on AIA Smart Lifetime Rewards

AIA Smart Lifetime Rewards product details

  • Life policy – Annuity
  • Issuance age from 0 to 65 years old
  • Savings plan that provides you with lifetime income till you reach 100 years old
  • Choice of two short premium terms of just 5 and 10 years
  • Option of accumulating your monthly income to further enhance your wealth.
  • Flexibility of withdrawals to meet any unexpected liquidity needs
  • Monthly income comprises guaranteed coupon and non-guaranteed dividend
  • Guaranteed monthly coupon will increase by 8% of your initial coupon every 5 years after the 10th policy year onwards. These coupons are capped at 132% of your initial coupon amount
  • Upon reaching the age of 100, you will receive 100% of total annual premiums paid, any terminal dividend and any accumulated monthly income
  • Receive 101% of the total premiums paid plus any terminal dividend and any accumulated monthly income in the event of death
  • In the event of accidental death occur, your family will receive an additional 100% of total premiums paid

Read about:  Why your retirement planning starts now

Read about3 best Retirement plans and Annuity policies in Singapore (2020 Edition) *Updated*

Features of AIA Smart Lifetime Rewards at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage

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

Health and Insurance Coverage Multiplier

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

Optional Add-on Riders

Critical Protector Waiver of Premium
Payor Benefit

Additional Features and Benefits

Yes.

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

AIA Smart Lifetime Rewards may be suitable if you are looking for

AIA Smart Lifetime Rewards may potentially be a good fit if the following matters to you:

  • Regular cash payout
  • Saving regularly over a period of time
  • Insurance options without medical underwriting
  • Do not need access to the funds until retirement
  • To potentially generate higher financial returns compared to bank accounts

Read aboutEffects of compounding returns on your investments

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Read about: The Complete Guide to Retirement Planning (2020 Edition) *NEW*

AIA Smart Lifetime Rewards may not be suitable if you are looking for

AIA Smart Lifetime Rewards may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Lump sum payout upon maturity
  • 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.

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 retirement plans and annuity policies?

Your retirement plans are meant to supplement your lifestyle and expenses in your golden years. Ensure your retirement plans matches the financial goal and objective you wish to achieve when you decided to talk a step back in life.

It is too late to regret once you have made your financial commitment. Specific products features, benefits and payout will differ more than you think across insurance companies.

Compare retirement plans

And even worse, to know you can compare retirement plans and annuity policies here,  100% free of charges on the InterestGuru.sg platform.

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Is AIA Smart Lifetime Rewards suitable for me?

Contact InterestGuru using the form below. Our panel of Independent 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.

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    Retirement Planning Selector

    Just 4 simple questions to get you the most suitable retirement options, based on your financial goals and objectives.

    Upon your retirement, how do you wish to recieve your income or payout:

    How many years of saving are you looking to set aside for your retirement planning goals:
    (Saving for a longer number of years allows for lower yearly premium.)

    The amount of saving you are planning to set aside (in S$):
    (Amount can be yearly or a single lump sum.)

    The desired retirement age that you wish start receiving an income payout:
    (A longer period from your current age will allows for higher financial returns.)

     
    Compare for me!

     

    Before you go...
    AIA Smart Lifetime Rewards 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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