Your wealth, your family, your enduring legacy. AIA Platinum Legacy (VIII) grows and protects your wealth for the next generation.
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1 WEALTH MANAGEMENT AIA PLATINUM LEGACY (VIII) (VIII) Your wealth, your family, your enduring legacy. AIA Platinum Legacy (VIII) grows and protects your wealth for the next generation. (VIII) aia.com.sg
2 01 AIA PLATINUM LEGACY (VIII) WEALTH MANAGEMENT A lasting legacy, a precious gift for your loved ones AIA is a Real Life Company committed to providing quality financial advice and delivering innovative solutions to serve the protection needs of families at every stage of their lives. We have a deep understanding of the Asian market with roots in Shanghai that go back almost a century ago. We have been serving the Singapore community for over 85 years and our S&P rating AA- makes us one of the highest rated financial institutions in Singapore for financial strength. As a market leader in the Asia-Pacific region, we ll combine our financial expertise with our keen understanding of the financial landscape to provide relevant solutions that meet your evolving needs. We are dedicated to delivering comprehensive wealth management solutions to you, so that you will have a legacy that is stable, rooted and enduring, for the generations to come. 85
3 AIA PLATINUM LEGACY (VIII) WEALTH MANAGEMENT 02 Solutions that pave the way for your next generation You have worked hard to reach the pinnacle of success. And your next goal is to ensure your legacy lives on for generations to come. With AIA Platinum Legacy (VIII), you can establish an enduring one that empowers your loved ones to carry on their current lifestyles. What s more, AIA Platinum Legacy (VIII) is uniquely designed to help you enhance and protect your current financial assets, while enabling wealth transfer in accordance to your wishes. Thus, your children are empowered to take the helm so that, they too, can provide their future generations with the same strength and stability you have given them. Enjoy the advantages of legacy planning and wealth preservation Lifetime of high insurance coverage AIA Platinum Legacy (VIII) is a non-participating US$ denominated universal life plan that provides you with a high coverage for life with protection against death or diagnosis of a terminal illness while growing your wealth. Thus you will enjoy even more peace of mind knowing your loved ones are well taken care of from your astute planning. Enhance your financial legacy With AIA Platinum Legacy (VIII), you can enhance your wealth with an attractive crediting rate on your initial premium that is guaranteed for the first 3 years. What is more, the interest crediting rate is guaranteed at 1.5% per annum as long as you own the policy. This way, you can more accurately predict the increase in the value of your policy year on year. Portfolio diversification Protecting your life s achievement is imperative. AIA Platinum Legacy (VIII) can be an integral part of your portfolio to complement your other assets such as equities, properties or even a family business that are easily affected by volatile market conditions. This diversification helps reduce your overall portfolio risk and provides the added stability needed for an enduring legacy. Harmonious wealth transfer AIA Platinum Legacy (VIII) gives you added peace of mind by ensuring an equitable distribution of your estate to your loved ones according to your wishes so that you can minimise potential family friction after your passing. Gain an edge with greater flexibility AIA Platinum Legacy (VIII) can be tailored to fit your needs, allowing you to: Have a flexible premium payment choice of one lump sum, or at regular intervals over time; Invest more money at the available crediting rate by overfunding 1 your policy; Make free partial withdrawals from the 11 th policy year onwards 2 or take a policy loan 3, if you require access to cash; Increase or decrease your coverage amount at any time 4. Transparent fee structure Enjoy greater transparency compared to other traditional life plans when it comes to the value accumulation as the crediting rates and charges of AIA Platinum Legacy (VIII) are more explicit.
4 03 WEALTH MANAGEMENT AIA (VIII) PLATINUM LEGACY (VIII) Secure a legacy that is strong, stable and enduring (VIII) (VIII) (VIII) (VIII) 1.5% (VIII) (VIII) (VIII) (VIII)
5 AIA PLATINUM LEGACY (VIII) WEALTH MANAGEMENT 04 Prepare a rich legacy for your loved ones
6 05 WEALTH MANAGEMENT AIA PLATINUM LEGACY (VIII) Fulfil two goals with one plan Scenario 1: Wealth Enhancement and Life Protection Mr Lim s total wealth is valued at US$23m and is made up of a myriad of assets that include a family business, properties as well as other assets that could be volatile during market movements. Portfolio Value US$23m Cash US$5m Investments US$4m Properties US$8m Family Business US$6m Mr Lim wants to be protected against the uncertainties of life as well as enhance his wealth. Thus he purchases an AIA Platinum Legacy (VIII) plan. He pays a single premium of US$3m * for a coverage amount of US$10m throughout his lifetime. Without AIA Platinum Legacy (VIII) With AIA Platinum Legacy (VIII) Portfolio Value US$23m Portfolio Increase by 30% Portfolio Value US$30m Insurance Proceeds US$10m Cash US$5m Investments US$4m Cash US$2m Investments US$4m Properties US$8m Properties US$8m Family Business US$6m Family Business US$6m This gives an immediate boost to his existing portfolio and increases the total value of his wealth to US$30m. In addition, this universal life plan offers diversification that complements while stabilising his existing investment portfolio. AIA Platinum Legacy (VIII) also provides immediate liquidity which can be tapped on if the need arises. * The example is based on a 50-year-old male non-smoker, Singapore resident, who buys a standard life policy and pays a single premium of US$3,251,384. For simplicity, single premium US$3,000,000 is used in the above example.
7 (VIII) ,300 2, (VIII)1, (VIII) (VIII) 2,300 30% 3,000 1, Investments 400 US$4m 800 Properties 800 US$8m 600 Family Business 600 US$6m 3,000 (VIII) 50 3,251,384300
8 07 WEALTH MANAGEMENT AIA PLATINUM LEGACY (VIII) Empower your future generations with your success Scenario 2: Equitable Equalisation of Wealth Without AIA Platinum Legacy (VIII) At 60, Mr Lim intends to retire and plan to handover the family business to his eldest son and leave his properties to his second son. However he wants to be fair to his 3 children and transfer his wealth to them equally upon his passing on. These conditions make it complicated for Mr Lim to ensure fair and equal distribution of his wealth. With AIA Platinum Legacy (VIII) Because of Mr Lim s astute planning years ago, his wealth was enhanced from US$23m to US$30m enabling him to facilitate the equal distribution of US$10m to each of his three children from the insurance proceeds. Portfolio Value US$23m Portfolio Value US$30m Insurance Proceeds US$10m Cash US$5m Insurance Proceeds US$4m Insurance Proceeds US$2m Insurance Proceeds US$4m Family Business US$6m Properties US$8m Investments US$4m Family Business US$6m Properties US$8m Cash US$2m Investments US$4m Eldest Son Second Son Third Daughter Eldest Son Second Son Third Daughter * The example is based on a 50-year-old male non-smoker, Singapore resident, who buys a standard life policy and pays a single premium of US$3,251,384. For simplicity, single premium US$3,000,000 is used in the above example.
9 (VIII) 08 2 (VIII) 60 (VIII) 2,300 3,000 1,000 2,300 3,000 1, ,251,384300
10 09 WEALTH MANAGEMENT AIA PLATINUM LEGACY (VIII) Key Benefits High insurance coverage for whole of life Enhance your wealth with cash value accumulation Guaranteed crediting rate on your initial premium for the first 3 years Diversification of portfolio Wealth transfer according to your wishes Access to cash value from day one Flexible payment choices Transparent fee structure Product features at a glance Entry Age Maximum Coverage Age Currency Death Benefit 5 Minimum Coverage Amount Minimum Guaranteed Crediting Rate Premium Payment Modes Issuing Company Policy Governing Law Minimum Premium Requirement Period Premium Charge 6 Administration Charge 6 Insurance Risk Charge 6 Partial Withdrawal/ Surrender Charge years old Whole of Life USD The higher of the current coverage amount or accumulation value US$500, % per annum Single or multi-pay AIA Singapore Private Limited Singapore First 8 policy years (on a cumulative basis) The initial premium charge rate is 6%. Subsequent premiums will be subjected to a prevailing charge rate not to exceed 6%. Deducted monthly for 7 years. Refer to the product summary for an explanation of charges and applicable rates. Deducted monthly for the life of the policy. The rate is guaranteed for the first 5 policy years. Refer to the product summary for applicable rates. Applicable to partial withdrawals/surrender made within the first 15 years. Partial withdrawals from the 11 th policy year onwards may be free of charge if certain requirements are satisfied 2.
11 (VIII) % 8 () 6 6%6%
12 11 WEALTH MANAGEMENT AIA PLATINUM LEGACY (VIII) 1. You have the option to pay more premium than that is required to achieve your desired accumulation value by your specified date. Such premiums are subject to our approval. 2. A partial withdrawal charge is applicable during the first 15 years of your policy, as well as from the effective date of any increment in your coverage amount. We offer a free partial withdrawal limit from the 11 th policy year onwards, and will not deduct any partial withdrawal charges so long as the partial withdrawal amount does not exceed 4.5% of the accumulation value at the start of the policy year when the partial withdrawal is made. Any amount in excess of the free partial withdrawal limit is subject to partial withdrawal charges. We reserve the right to terminate or suspend the partial withdrawal facility any time at our sole discretion. We will not be responsible for any losses whatsoever arising from our decision to suspend or terminate the partial withdrawal facility. 3. Subject to approval. Policy loans are subject to the prevailing loan interest rate. The loan amount requested, plus any outstanding indebtedness you may have, must not exceed 80% of your policy s cash value (or such other percentage as determined by AIA). 4. A decrease in coverage amount may incur partial withdrawal charges and are subject to a minimum coverage amount requirement of US$500,000. An increase in coverage amount will require evidence of insurability and is subject to our approval. Decrease or increase in coverage amount is allowed after 1 year from your policy issue date. 5. Payable if death occurs before the policy anniversary immediately following the insured s 122 nd birthday. Else the death benefit is equal to the accumulation value. In either case, the amount payable is less any indebtedness. 6. The premium charge rate, administration charge rate and insurance risk charge rate are not guaranteed. We reserve the right to make changes to the premium charge rate, administration charge rate, and insurance risk charge rate but will give you at least 1 month s prior written notice before any change. Important Notes: This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No R) ( 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 your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract. Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid. 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. The information is correct as at 21 April 2017.
13 (VIII) % 3. 80% (AIA Singapore Private Limited) R
14 About AIA AIA Group Limited and its subsidiaries (collectively AIA or the Group ) comprise the largest independent publicly listed pan-asian life insurance group. It has a presence in 18 markets in Asia- Pacific wholly-owned branches and subsidiaries in Hong Kong, Thailand, Singapore, Malaysia, China, Korea, the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau, Brunei, Cambodia, a 97 percent subsidiary in Sri Lanka, a 49 percent joint venture in India and a representative office in Myanmar. The business that is now AIA was first established in Shanghai almost a century ago. It is a market leader in the Asia-Pacific region (ex-japan) based on life insurance premiums and holds leading positions across the majority of its markets. It had total assets of US$185 billion as of 30 November AIA meets the long-term savings and protection needs of individuals by offering a range of products and services including life insurance, accident and health insurance and savings plans. The Group also provides employee benefits, credit life and pension services to corporate clients. Through an extensive network of agents, partners and employees across Asia-Pacific, AIA serves the holders of more than 30 million individual policies and over 16 million participating members of group insurance 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) traded on the over-the-counter market (ticker symbol: AAGIY ).
15 18 97% 49% ,850 3,0001, AAGIY
16 AIA Singapore Private Limited (Reg. No R) 1 Robinson Road, AIA Tower, Singapore Monday Friday: 8.45am -5.30pm AIA Customer Care Hotline : aia.com.sg SGPD (05/ / /2017)
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