AIA Guaranteed Protect Plus Review

NOTE: AIA Guaranteed Protect Plus has been discontinued and replaced with AIA Guaranteed Protect Plus II

AIA Guaranteed Protect Plus product details

AIA Guaranteed Protect Plus Rating on InterestGuru.sg: [usr=3]
AIA Guaranteed Protect Plus Popularity on InterestGuru.sg: [usr=2.5]

• Life policy – Whole Life Policy
• Issuance age from 0 to 60 years old
• Free extra coverage if you are an AIA Vitality member
• Guaranteed cash value
• Unique multiplier feature to boost your coverage for death by 2x, 3x and even 5x, up to the age of 65 or 75 and thereafter continue to enjoy a lifetime of protection till age 100.
• Payments in 12 or 20 years depending on your budget. Choose a shorter term to complete your payments earlier or a longer term to make your payments in smaller denominations. Even after you have completed your payments, you will continue to enjoy life protection all the way to the age of 100

Read About: Whole Life Policy: How does it work?

In-depth Review: 3 Best Whole Life Plans in Singapore for Insurance Coverages (2020 Edition)

Features of AIA Guaranteed Protect Plus at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: Yes
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: Yes
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders

Early Critical Protector Life Plus
Critical Protector Life
Critical Protector Waiver of Premium

Additional Features and Benefits

Yes.

For further information and details, fill up the form below and let us advise accordingly.

Read About: Effects of compounding returns on your savings

Read About: 3 things to consider before taking up a new financial product

AIA Guaranteed Protect Plus may be suitable if you are looking for

AIA Guaranteed Protect Plus may potentially be a good fit if the following matters to you:

• Higher protection for Death and Terminal Illness coverage at an affordable premium.
• Higher Early Critical Illness, Critical Illness and Total Permanent Disability coverage in an Insurance Policy.
• Health and Protection coverage due to a shortfall in your Insurance Portfolio.
• Accumulating cash value in the policy for financial returns in the long-term.
• Paying premiums only for a limited number of years and enjoying coverage for a lifetime.

Read About: How much insurance coverage do you really need in Singapore *NEW*

In-depth Review: Term life vs Whole life – Which is better for you?

AIA Guaranteed Protect Plus may not be suitable if you are looking for

AIA Guaranteed Protect Plus may potentially be a bad fit if the following matters to you:

• Liquidity or flexibility of withdrawal in your Insurance policy.
• Access to cash from your policy on a regular basis.
• Insurance policy with a high surrender value in the early years of the policy.
• Potentially higher financial returns compared to a pure investment product.

In-depth Review: 3 Best Endowment Savings Plans in Singapore with Lifetime Wealth Accumulation (2020 Edition)

In-depth Review: 3 Best Investment Linked Policies in Singapore for Wealth Accumulation (2020 Edition)

Further considerations on AIA Guaranteed Protect Plus

• How is AIA or AIA Guaranteed Protect Plus investment returns based on historical performance?
• How does AIA Guaranteed Protect Plus compare with Whole Life Policy from other insurance companies?
• Can AIA Guaranteed Protect Plus fulfil my financial insurance, health and protection needs?

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

Read About: Where do you start with financial planning?

Read About: 8 Commonly made financial mistakes by Singaporeans

Compare before you commit

Before committing to a whole life insurance policy, it certainly pays to make an effort to compare. Specific products features, benefits and payout will differ more than you think across insurance companies.

Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?

Even worse, to know you can compare whole life insurance plans here,  100% free of charges on the InterestGuru.sg platform.

Is AIA Guaranteed Protect Plus suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

We compare quotations head to head on all leading insurers in Singapore

Before you go...

AIA Guaranteed Protect Plus may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.

Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!

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