AIA Smart Wealth Builder Review

The complete Pros and Cons on AIA Smart Wealth Builder

AIA Smart Wealth Builder is a capital guaranteed endowment savings plan that allows you to save in SGD or USD with an option to appoint a secondary life insured

AIA Smart Wealth Builder product details

  • Life policy – Endowment and Saving policy
  • Premium Payment Term
    • Choose to save a single premium or over 5, 10, 15 or 20 years
    • Choose to save SGD or USD (single premium or 5 years only)
  • 100% Capital Guaranteed
    • All money you have put in is guaranteed to be given back to you from the 15th policy year
  • Payouts
    • You can choose to withdraw your savings for milestones or allow it to accumulate in the policy
  • Coverage
    • Receive coverage against Death, Total and Permanent Disability, and Terminal Illness of 105% of total base premiums paid or 101% of the guaranteed cash value, whichever is higher.
  • Secondary Life Insured Option
    • You can choose to assign your spouse or child as the secondary life insured or vice versa

Read aboutEndowment and Saving policy: How does it work?

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

Features of AIA Smart Wealth Builder 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: 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 Illness Premium Waiver 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.

Read aboutEffects of compounding returns on your saving

Read aboutWhere do I start with financial planning

AIA Smart Wealth Builder may be suitable if you are looking for

AIA Smart Wealth Builder may potentially be a good fit if the following matters to you:

  • A hassle-free application without medical underwriting
  • A one-time premium commitment with no further cash commitment
  • Short to medium term endowment and savings plan
  • Planning for your children’s future education costs
  • To potentially generate higher financial returns compared to bank accounts
  • Education endowment saving policy with riders to waive future premiums due to unforeseen circumstances
  • Liquidity or flexibility of withdrawal in your Insurance policy.

AIA Smart Wealth Builder may not be suitable if you are looking for

AIA Smart Wealth Builder 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
  • Lifetime regular cash payout
  • Potentially higher financial returns compared to a pure investment product.
  • Insurance policy with a high surrender value in the early years of the policy.

Read AboutHow can I accumulate a million dollar (Realistically)

Further considerations on AIA Smart Wealth Builder

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

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

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)

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

Where can I compare the payout and benefits of saving plans and endowment 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 saving plans and endowment policies.

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

Is AIA Smart Wealth Builder 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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Personalised savings plans

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3 easy steps for your customised insurance savings plan

Step 1: Getting to know you…

Let’s start with a brief introduction of your personal profile. This will allow us to adjust and provide the most relevant insurance savings plans for you.





Step 2: Understanding your savings needs…

Please select your savings preferences to allow us to optimise the financial returns of your savings plans:

You have a yearly savings budget (annual premium) of:

You intend to have a saving commitment for a period (premium term) of:


Step 3: Finding the best insurance savings plans for you! team of financial planners will compare and provide you with the best insurance savings plans based on your inputs.



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Before you go...
AIA Smart Wealth Builder 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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