AIA Pro Achiever Review

AIA Pro Achiever is an investment-linked policy with no health coverage so every dollar goes to work. Riders available to waive future premiums for you and your child should the unexpected happen.

AIA Pro Achiever product details

• Life Policy – Investment-linked policy
• Withdraw funds from the 14th year onwards without any charges
• Option to top-up at any time subjected to a 5% sales charge
• Option to pause premium payments from the 14th year onwards without any charges
• 5% bonus units until age 100 allocated to you from the 13th year onwards
• Accidental death coverage within the first 2 years equivalent to total premiums paid
• Free fund switching and rebalancing should you need it
• Riders available to waive future premiums for you and your child’s policy should the unexpected happen
  
  

Read about: Investment-Linked Policy: Is it the best option?

Read about: 6 Best Investment Linked Policies in Singapore (Updated)

Features of AIA Pro Achiever at a glance

Cash and Cash Withdrawal Benefits
Cash value: Yes
Cash withdrawal benefits: Yes

Health and Insurance Coverage
Death: No
Total Permanent Disability: No
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 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.

Read about: Effects of compounding returns on your investments

AIA Pro Achiever may be suitable if you are looking for

AIA Pro Achiever may potentially be a good fit if the following matters to you:

• To participate in the long-term financial returns of investing
• A full-forced investment-linked policy with no insurance coverage
• Able to take investment risks and comfortable with financial market volatility.
• Potentially higher financial returns compared to traditional Endowment and Whole Life Policy.
• Insurance options without medical underwriting
  
  

Read about: An introduction to Investment Linked Policy

AIA Pro Achiever may not suitable if you are looking for

AIA Pro Achiever may potentially be a bad fit if the following matters to you:

• Health and Protection coverage
• High Death and Terminal Illness coverage
• Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
• 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.
  
  

Further considerations on AIA Pro Achiever

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

The above information may not fully highlight all the product details and features of AIA Pro Achiever. Talk to us or seek advice from a financial adviser before making any decision about AIA Pro Achiever.

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

Is AIA Pro Achiever suitable for me?