Have you ensured the security of your family s future?

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1 PROTECTION AIA SECURE TERM PLUS Have you ensured the security of your family s future? Protect them confidently with a plan that offers high protection at a low premium AIA.COM.SG

2 While 6 in 10 Singaporeans claim to have a clear idea of how much their dependents will need in the event of their death or disability

3 nearly 7 in 10 have prepared 50% or less of the life insurance cover they think is required*. *Source: AIA Singapore Nationwide Protection Survey conducted by The Nielsen Company in June 2011

4 Taking care of your family is your top priority in life. You work hard to provide a home, security, and a good education for a strong head-start in life. But if the unexpected should happen, and you were no longer around to take care of them, could they continue to cope financially? If such an event were to happen, we would all hope that our loved ones are provided for. Perhaps you already have some life insurance, but do you know if it is enough? Our nationwide survey revealed that nearly 7 in 10 Singaporeans have 50% or less of the life insurance coverage they think they need*. And they are probably right - the Life Insurance Association of Singapore estimates that the average Singaporean is under-insured by more than S$300,000**. So what s stopping us from fully protecting our families? We understand that, for many people, pressure on the wallet can prevent them from being able to commit to a large amount of life insurance coverage; particularly as the cost of living continues to rise. That s why AIA Secure Term Plus offers you a cost-effective solution to your family s protection needs from $22 1 a month. Your premium is guaranteed not to change during your policy term and you re guaranteed the option to renew your coverage up to the policy anniversary following the Insured s 85th birthday. What s more, the plan can be easily tailored to your needs. You can purchase the plan individually or add it as a rider to an existing AIA life policy, enhance the plan with optional protection, or convert 2 the plan to another AIA endowment or whole life plan. *Source: AIA Singapore Nationwide Protection Survey conducted by The Nielsen Company in June 2011 **Underinsurance in Singapore, 2007 Update Life Insurance Association of Singapore/NTU

5 AIA Secure Term Plus 4 Affordable, flexible, guaranteed renewable AIA Secure Term Plus offers your family the protection they need, at a price you can afford. Choose from 5, 10, or 20-year policy terms. Benefits of this plan include: Financial security for your family, should anything happen to you In the event of Death or diagnosis of a Terminal Illness, the plan will pay out the insured amount in a lump sum, offering your family much needed financial assistance with final expenses, and to cope with the impact the loss of your income may have on their ability to pay for necessities such as mortgage payments or other daily living expenses. You can also choose to enhance your coverage with Total and Permanent Disability (TPD) benefit for the duration of your AIA Secure Term Plus plan (up to the policy anniversary following the Insured s 70th birthday), providing yourself and family even greater protection against loss of valuable income. Please refer to the product summary for more information. Guaranteed continuous coverage up to age 85 As we get older, it can become more difficult to be accepted into a life insurance plan. For a lot of people, this can cause concern when considering a term life plan. With AIA Secure Term Plus, you may choose to renew your plan at the end of each policy term 3 and AIA guarantees to renew the plan regardless of your health. This guarantees that you will remain eligible for protection in the future, without having to commit yourself to a long-term plan right now. Flexibility to enhance and convert You may also choose to add a wide range of optional riders such as accidental death and hospitalisation riders for even more comprehensive coverage. And should your needs change in the future, you may convert 2 your policy to an AIA endowment or whole life plan. With so many options, you can use AIA Secure Term Plus to meet a variety of needs as and when they arise.

6 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 Customer Care Hotline at Q1. Who can apply for AIA Secure Term Plus? You can apply if you are aged between 16 and 70 years old on your last birthday (for 5-year and 10-year policy terms) or between 16 and 60 years old on your last birthday (for a 20-year policy term). Q2. How can I pay my premium? AIA Secure Term Plus 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 Plus? No. Please speak to your AIA Financial Services Consultant to find out about other plans that can be paid using your CPF monies. Q4. Under what circumstances will the plan pay out? AIA Secure Term Plus will pay the insured amount in a lump sum, less any amounts owing to us, in the event of Death or diagnosis of Terminal Illness. If you take up the Total and Permanent Disability (TPD) optional benefit, the plan will also pay out the TPD benefit up to its full insured amount in a lump sum in the event of a qualifying TPD diagnosis. Please refer to the product summary for more information. Q5. If my cover stopped because I did not pay my premium, can it be reinstated? Yes. We may approve your written application to reinstate your cover subject to terms and conditions and provided we receive your application within three years of the premium due date on which default in premium occurred, and payment of your overdue premiums, including interest. You will also need to submit a health declaration and we may call for a medical report, at your expense, if necessary. Q6. Is my premium guaranteed? Your premium is based on your attained age at the time of policy inception or renewal. We guarantee that the premium will remain unchanged during the duration of the policy term. If you renew your policy for the same insured amount after the expiry of your existing policy term, your premium will be higher than before.

7 AIA Secure Term Plus 6 Q7. Can I adjust the insured amount during the policy term? You may increase the insured amount during the first policy year, subject to underwriting. You may decrease the insured amount anytime during the policy term. Q8. Do I have to take a medical examination? Subject to underwriting, you may be required to take a medical examination. Q9. Can I change my mind and cancel the policy after I ve purchased? Yes. You may cancel the plan by writing to us within 14 days from the date that you receive your policy document (free-look period) and receive a refund of your premium (less any medical expenses incurred). If the plan is cancelled after the 14 day free-look period, there will be no refund of premiums. Q10. 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 information on exclusions, please refer to the Product Summary.

8 1 This is the minimum premium requirement for AIA Secure Term Plus based on a monthly payment mode. 2 The plan can be converted, without us requiring further evidence of insurability and subject to certain conditions being met, to any whole life or endowment plan which we may make available for conversion from time to time at our absolute discretion, for an insured amount of up to current insured amount, anytime before the expiry of the policy term and the policy anniversary prior to the Insured s 70th birthday. Conversion is not guaranteed and is subject to acceptance by us. 3 The coverage will terminate on the policy anniversary following the Insured s 85th birthday.

9 AIA Secure Term Plus 8 Important Notes: This insurance plan is underwritten by AIA Singapore Private Limited (AIA). All insurance applications are subject to AIA s underwriting and acceptance. 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. 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 benefi ts at the same cost. The information in this brochure is correct as at 31 October 2011.

10

11 About the AIA Group AIA Group Limited and its subsidiaries (collectively AIA or Group ) comprise the largest independent publicly listed pan-asian life insurance group in the world. It has wholly-owned main operating subsidiaries or branches in 14 markets in Asia Pacifi c - Hong Kong, Thailand, Singapore, Malaysia, China, Korea, the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau and Brunei and a 26% joint venture shareholding in India. The business that is now AIA was fi rst established in Shanghai over 90 years ago. It is a market leader in the Asia Pacifi c region (ex-japan) based on life insurance premiums and holds leading positions across the majority of its markets. It had total assets of US$115,782 million as of 31 May AIA meets the savings and protection needs of individuals by offering a range of products and services including retirement planning, life insurance and accident and health insurance. The Group also provides employee benefi ts, credit life and pension services to corporate clients. Through an extensive network of agents and employees across Asia Pacifi c, AIA serves the holders of over 23 million individual policies and over 10 million participating members of group schemes. AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under the stock code 1299 with American Depositary Receipts (Level 1) being traded on the over-the-counter market (ticker symbol: AAGIY ).

12 AIA Singapore Private Limited (Reg. No R) 1 Robinson Road, AIA Tower, Singapore Monday - Friday 8.45am pm AIA Customer Care Hotline: AIA.COM.SG SGPD TM (10/ /2012)

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