AIA Guaranteed Protect Plus (IV) is a whole life insurance single solution that offers up to 5 times boosted coverage while accumulating stable cash value over time.

AIA Guaranteed Protect Plus (IV) product details

  • Life policy – Whole Life Policy
  • Coverage
    • Be protected against Death and Total and Permanent Disability
  • Multiplier Benefit
    • Choose from 2x,3x or 5x multiplier up to age 65 or 75
  • Premium Payment Term
    • Choose to pay premiums for 15, 20 or 25 years
  • Retrenchment Benefit
    • Have the option to defer premium payment for 12 consecutive months if you’re involuntarily retrenched, ensuring the continuity of your plan.
  • Withdrawal Flexibility
    • Have the flexibility to utilise 50% or 100% of your coverage amount for its cash value and receive annual cash payouts for 10 years to supplement your retirement income.
  • Flexibility for more coverage
    • Upon reaching a major milestone in life such as marriage or the birth of your little one, you have the option to purchase another whole life or endowment policy with no medical questions asked.

Features of AIA Guaranteed Protect Plus (IV) at a glance

Refer to below for a simplified overview of AIA Guaranteed Protect Plus IV:

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 (With added riders)
Early Critical Illness: Yes (With added riders)

Health and Insurance Coverage Multiplier
Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
Critical Illness: Yes
Early Critical Illness: Yes

Optional Add-on Riders
Early Critical Protector Life (IV)
Critical Protector Life (IV)
Early Critical Protector Waiver of Premium (II)
Critical Protector Waiver of Premium (II)
Early Critical Protector Payor (II)

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

AIA Guaranteed Protect Plus (IV) may be suitable if you are looking for

AIA Guaranteed Protect Plus (IV) may potentially be a good fit if the following matters to you:

  • High protection for Death and Total and Permanent Disability coverage at an affordable premium.
  • High Early Critical Illness and Critical Illness coverage in an Insurance Policy with riders.
  • Health and Protection coverage due to a shortfall in your Insurance Portfolio.
  • Accumulating cash value in the policy for financial returns in the long-term.
  • Paying premiums only for a limited number of years and enjoying coverage for a lifetime.

Read About: How much insurance coverage do you really need in Singapore *NEW*

In-depth Review: Term life vs Whole life – Which is better for you?

AIA Guaranteed Protect Plus (IV) may not be suitable if you are looking for

AIA Guaranteed Protect Plus (IV) may potentially be a bad fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your insurance policy.
  • Access to cash from your policy on a regular basis.
  • Insurance policy with a high surrender value in the early years of the policy.
  • Potentially higher financial returns compared to a pure investment product.

For pure insurance savings or investment plans, please refer to the following policy reviews:

In-depth Review: 3 Best Endowment Savings Plans in Singapore with Lifetime Wealth Accumulation (Updated)

In-depth Review: 6 Best Investment Linked Policies in Singapore for Wealth Accumulation (Updated)

Further considerations on AIA Guaranteed Protect Plus (IV)

  • How is AIA or AIA Guaranteed Protect Plus (IV) investment returns based on historical performance?
  • How does AIA Guaranteed Protect Plus (IV) compare with Whole Life Policy from other insurance companies?
  • Can AIA Guaranteed Protect Plus (IV) fulfill my financial insurance, health, and protection needs?
  • How does the multiple claims rider for various stages of Critical Illnesses works?

The above information may not fully highlight all the product details and features on AIA Guaranteed Protect Plus (IV).

Talk to us or seek advice from a financial adviser before making any decision about AIA Guaranteed Protect Plus (IV).

Read AboutWhere do you start with financial planning?

Is AIA Guaranteed Protect Plus (IV) suitable for you?

Contact Us!



    Or Whatsapp us to let a licensed financial adviser work out a proposal at no cost to you.

    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.

    We compare quotations head to head on all leading insurers in Singapore

    Our Partners

    Our Partners

    China Life
    China Taiping Logo
    Etiqa Logo
    FWD Logo
    HSBC Logo
    Manulife Logo
    NTUC Income Logo
    Raffles Health Insurance
    Singlife Logo
    Tokio Marine Logo