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1 PROTECTION AIA SECURE TERM We give you invaluable peace of mind at an affordable price Essential protection for you and your loved ones The Power of We AIA.COM.SG

2

3 2 Only 38% of Singaporeans could cope financially for one year or more if their main source of income was lost *. *Synovate, Consumer Study commissioned by AIA in November 2009

4 For most of us, one of the biggest joys in life is to raise a family and watch them blossom. But if the unexpected should happen, and you were no longer around to take care of them, could they cope financially without you? Life is unpredictable. It s likely that you will live a long and healthy life and enjoy time with your family for many years to come. Sadly, accidents and serious illness are a possibility for many of us too. We all want to make provisions for our loved ones in the event that we re not around. But often, particularly when we re starting out, the pressure on our wallets can feel too great to make the necessary commitment to an insurance plan. AIA Secure Term is a flexible life insurance protection plan designed to offer protection according to your needs at an affordable price. By selecting an amount of coverage that s tailored to your family s needs, and a fixed period of time over which you would like to be protected, you will have the peace of mind of knowing that your loved ones will be provided for, without the concern of feeling locked in to a plan for the rest of your life.

5 4 Flexible, affordable, convertible Because we recognise that life is unpredictable, AIA Secure Term is an affordable plan that can be tailored to the needs of you and your dependents. The plan has a choice of 3 fixed terms of coverage 5 years, 10 years, or 20 years and you may select an Insured Amount starting from S$50,000 with a minimum annual premium of S$250. Premiums are guaranteed to remain the same during the initial policy term and the plan offers a guaranteed renewal option without evidence of insurability 1 so long as the Insured Amount at renewal is equal to, or less than, the original Insured Amount. The benefits of this plan include: Protection tailored to suit your needs AIA Secure Term has been designed to meet your need for protection at an affordable price. With a minimum Insured Amount of S$50,000, you can tailor the level of protection to suit your circumstances. During your first policy year, you may increase your Insured Amount should you require higher coverage, subject to normal underwriting. Should your circumstances change, a decrease in the Insured Amount is allowed in subsequent policy years. Payout in the event of Death or Terminal Illness In the event of Death, the plan will pay out the Insured Amount, offering you the peace of mind of knowing that your loved ones will receive practical help when they need it the most. The death benefit payable under the plan is paid out as a lump sum cash payment for your dependents to spend as they wish this could help to maintain their current lifestyle, clear any outstanding loans or liabilities, or pay for your children s education. And unlike some plans in the market, in the event that you are diagnosed with a Terminal Illness 2, AIA Secure Term will pay out an accelerated benefit of the Insured Amount upon diagnosis. This could provide you with valuable cash benefits to help with medical treatments, home nursing care and other costs.

6 Guaranteed renewal You may choose to renew your plan at the end of each policy term 3, and AIA guarantees to renew the plan without asking for evidence of insurability. As we get older, it can become more difficult to be accepted into a life insurance plan. This feature offers the guarantee that you will remain eligible for protection in the future, without having to commit yourself to a long-term plan right now. Policy conversion option guaranteed The plan can be converted, without evidence of insurability, to any of AIA s available whole life or endowment plans, at any time before expiry of the policy term 4. The maximum Insured Amount allowed for conversion is up to the current Insured Amount or S$400,000, whichever is lower. This conversion guarantee does not apply to nonstandard life insurance policies as these will be subject to acceptance by AIA. Option to enhance coverage with Total and Permanent Disability (TPD) Benefit The plan includes an option for enhanced coverage which provides for an accelerated benefit payout of up to the Insured Amount in the unfortunate event that you sustain a Total and Permanent Disability that prevents you from earning a living. In the event of such a claim, the plan would automatically terminate if the Insured Amount of the TPD Benefit is the same as the Insured Amount of the AIA Secure Term plan. Extra protection available A wide range of optional riders to provide coverage for accidental death, deferred disability income, and hospitalisation benefits may be added to AIA Secure Term to enhance insurance protection against unforeseen events. Ask your AIA Financial Services Consultant for details.

7 6 Example Mr Lim, a 36-year-old sales representative, was a non-smoker and married with two children. As his wife was employed part-time, Mr Lim, the primary breadwinner in the family, was concerned about what would happen to his family if he was not around, because he and his wife had not yet built up much in the way of savings. He took out an AIA Secure Term plan with an Insured Amount of S$200,000 and a 10-year policy term, for a premium payment of S$28 per month. At the age of 46 when his policy term was due to expire, Mrs Lim returned to fulltime work. The couple had both achieved promotions during that time and their cash savings had improved. With more savings, Mr Lim decided that there was no need to change the level of coverage so he chose to renew the plan for a further 10 years with the same Insured Amount of S$200,000 for a premium of S$54 per month. At 53, Mr Lim was fatally injured in a road accident. Mrs Lim received the full Insured Amount of S$200,000. She was able to continue working and used the cash payout to clear the outstanding mortgage on their flat. She subsequently purchased an AIA Secure Term plan for herself with the aim of providing for the children s education in the event that she should pass away. He pays S$8,544 We pay S$200,000

8 Frequently Asked Questions It is always our intention to write in plain English, and to be as transparent as possible when describing our products. The questions and answers below reflect the most common concerns raised by our customers. If you have any other questions not addressed here, please ask your AIA Financial Services Consultant for more information. Alternatively, you may visit our website at AIA.COM.SG or contact our AIA Customer Care Hotline at Q1. Am I eligible to apply for AIA Secure Term? You can apply for AIA Secure Term if you are aged between 16 and 70 years old on your last birthday (for 5-year and 10-year Terms) or between 16 and 60 years old on your last birthday (for a 20-year Term). Q2. How can I pay my premium? AIA Secure Term plan premiums may be paid in cash, or by cheque, credit card or GIRO, on a monthly, quarterly, semi-annual or annual basis. Q3. Can I use CPF funds to buy AIA Secure Term? No. Please speak to your AIA Financial Services Consultant to find out about other insurance or investment plans that can be funded with CPF monies. Q4. Under what circumstances will the plan pay out? The AIA Secure Term plan will pay the Insured Amount in the event of Death or diagnosis of Terminal Illness. If you take up the Total and Permanent Disability (TPD) optional enhancement, the plan will also pay out up to the Insured Amount in the event of a qualifying TPD diagnosis. The plan will automatically terminate in the event of a TPD claim, if the Insured Amount of the TPD Benefit is the same as the Insured Amount of the AIA Secure Term plan. Q5. If my cover stopped because I did not pay my premium, can it be reinstated? Yes. We may reinstate your cover subject to additional terms including exclusions, provided we receive a written application for your policy to be reinstated, as well as the payment of your overdue premiums, including interest, within three years of the premium due date on which default in premium occurred. You will also need to submit a health declaration and we reserve the right to call for a medical report, at your expense, if necessary.

9 8 Q6. Are my premium payments guaranteed throughout the policy term? Yes. We guarantee that the premium will remain unchanged during the initial policy term. However, the premium rates at the time of each renewal are not guaranteed. Q7. Will my premium change if I renew my policy? Your premium payments are based on your attained age at the time of policy inception or renewal. If, after the expiry of your existing policy term, you renew your policy for the same Insured Amount, your premiums will be higher than before based on your attained age. Q8. Can I adjust the Insured Amount during the policy term? You may increase the Insured Amount during the 1 st year of the policy term only. An increase in the Insured Amount is subject to normal underwriting. Only a decrease in the Insured Amount is allowed in subsequent policy years. Q9. Do I have to take a medical examination? Subject to underwriting, you may be required to take a medical examination. Q10. How will claims be paid out? Benefits payable under the plan are paid as cash lump sums. In the event of a diagnosis of Terminal Illness, or Total and Permanent Disability, qualifying payouts will be made to the Insured. In the event of death, the Insured Amount will be paid to your beneficiaries. Q11. Can I change my mind and cancel the policy after I ve purchased? Yes you can. AIA Secure Term offers valuable protection at an affordable price but if you sign up for the plan and then change your mind (for any reason), you may cancel the plan within 14 days in writing, and receive a refund of your premium. This 14-day free-look period starts 7 days from the date of our posting of your policy document to you. If the plan is cancelled after the 14 day free-look period, there will be no refund of premiums. Ask your AIA Financial Services Consultant for details. Q12. What conditions are excluded in this policy? Common exclusions include HIV/Aids, suicide within 1 year of the issue date or reinstatement date of the policy (whichever is later) and pre-existing conditions. For more detailed information on exclusions, please ask your AIA Financial Services Consultant for a copy of the Product Summary.

10 Important notes 1 AIA guarantees the premium will remain unchanged during the initial policy term. However, AIA does not guarantee the premium rate applicable at the time of each renewal. 2 Terminal Illness shall mean the conclusive diagnosis of an illness that is expected to result in the death of the Insured within 12 months. The diagnosis must be supported by a medical specialist and confirmed by AIA s appointed doctor. 3 For all plans, the coverage will terminate on the policy anniversary following the Insured s 80 th birthday. 4 Conversion guarantee is subject to the following conditions: a) The policy continues to be in force on the date immediately preceding conversion; b) There is no continuing Default of Premium on the date immediately preceding conversion; c) The conversion is made prior to and any resulting conversion takes effect on a policy anniversary prior to the Insured s 70 th birthday; and d) We receive and accept the premium payable for the new converted policy, which shall be determined in accordance with our rates then applicable for the age of the Insured as at the date of conversion. Buying a life insurance policy is a long-term commitment. You should consider carefully before terminating the policy or switching to a new one as there may be disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost. All insurance applications are subject to underwriting and acceptance by American International Assurance Company, Limited. This brochure is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits under this plan may not be paid out, are specified in the policy contract. You are advised to read the policy contract. The information in this brochure is correct at the time of printing (August 2010).

11 12 About the AIA Group The AIA Group is a leading life insurance organisation in Asia Pacific that traces its roots in the region back more than 90 years. It provides individuals and businesses with products and services for life insurance, retirement planning, accident and health insurance as well as wealth management solutions. Through an extensive network of more than 320,000 agents and approximately 23,500 employees across 15 geographical markets, the AIA Group serves the customers of over 23 million in-force policies in the region. The AIA Group has branch offices, subsidiaries and affiliates located in jurisdictions including Australia, Brunei, China, Hong Kong, India, Indonesia, Macau, Malaysia, New Zealand, Philippines, Singapore, South Korea, Taiwan, Thailand and Vietnam.

12 1 Robinson Road, AIA Tower, Singapore Monday - Friday 8.45am pm AIA Customer Care Hotline: AIA.COM.SG

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