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October 2013

A Savings Plans that Goes the Extra Mile 

 

47% of Singapore's citizens claim that their savings are held back by the cost of day-to-day living.

 

By the end of January 2013, S$528 billion in cash was earning next to nothing sitting in the banks.

 

Expect more from your savings. 

 

 

 

 

 

 

 

 

 

 

 

 

You work hard for your money. Which is why we're offering you a plan that makes a real difference by letting your savings go extra mile for you.

 

Introducing AIA Smart Pro Saver

 

Grow your money with AIA Smart Pro Saver, a 10-year limited-pay participating endowment policy where you'll only need to pay for 5 years. So you can enjoy potentially attractive returns and stay protected at the same time. So whether you're planning for your child's education, your retirement or just a long, well-deserved vacation, AIA Smart Pro Saver will take your savings further.

 

Let your savings help you put your mind at ease.

 

Benefits of AIA Smart Pro Saver

 

  • Pay Premiums for just 5 years 

Pay off your premiums in just 5 years and enjoy 10 years of coverage so you can reach your financial goals by saving regularly. What's more, your premiums will not increase throughout the 5 years, regardless of your age or the condition of your health.

 

  • Potential earn attractive returns

Your plan has the potential to grow with discretionary annual bonuses that may be added to your policy each year. A terminal bonus may also be added to your policy when you make a claim or when your policy matures or is surrendered.

 

  • Maturity Benefit after 10 years

At the end of 10 years, you will receive your maturity proceeds, which include any bonuses in one lump sum for you to spend as you wish.

 

  • Protect the ones you love

Receive coverage against premature death to provide financial protection for your family. Your loved ones will receive 101% of total premiums paid plus any bonuses, so they aren't financially burdened.

 

  • Hassle free application

AIA Smart Pro Saver is simple and easy to apply for as there is no medical underwriting.

 

  • Choose the currency you prefer

AIA Smart Pro Saver is available in two currencies, so you can enjoy the flexibility of saving your money in either SGD or USD.

 

Example 1

 

Mr. Thomas See is a 55 year-old non-smoker who is looking for a savings plan that can maximise his savings so that he can supplement his retirement funds when he turns 65 years old. He purchases an AIA Smart Pro Saver (S$) policy and pays S$22,062 annually for the next 5 years for an insured amount of S$100,000.When Thomas turns 65, he will enjoy a projected maturity amount of S$138,171 before the policy terminates.

 

Regular Premiums paid for 5 years: S$22,062 x 5 = S$110,310

 

 

 

 

 

 

 

Example 2

 

Mr. John Lim is a 40-year-old non smoker looking for a savings plan that can help him finance his child's education overseas in 10 years time. He purchases an AIA Smart Pro Saver (US$) policy and pays US$9,937.50 annually for the next 5 years for an insured amount of US$50,000.

 

After 10 years, John will enjoy a projected amount of US$67,206 before the policy terminates.

 

Regular Premiums paid for 5 years: US$9,937.50 x 5 = US$49,687.50

 

 

 

 

 

 

 

 

*Figures quoted in the examples include non-guaranteed annual bonuses and terminal bonuses that are based on the projections at 4.7% (SGD plan) / 5.75% (USD plan) investment returns and are for illustrative purposes only. The actual benefits payable may vary according to the future experience of the participating fund.

 

 

 

 

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