AIA PRO ACHIEVER 2.

KICK-START YOUR INVESTMENT

WITH AN EXTRA BOOST
Power your potential returns with welcome and special b onuses EXCLUS
on top of 100% premiums invested from day one. Access IVE!
institu to
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AIA Eli ent via
te Fun
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When you’ve committed to
investing, we’re more than
100% behind you.
When it comes to investing, starting early is important —
but so is starting big. Having a bigger capital, on top of trusted
investment guidance, will set you up for greater returns with
every dollar you invest.

With AIA Pro Achiever 2.0, you can kick-start your investment
journey with 100% of your premiums invested from day one.
We’ll even boost your initial capital with attractive welcome
bonus(es), and power up your future investments with a
special bonus as long as you continue contributing to the plan.

To further maximise your potential returns, we’re offering

exclusive access to institutional investment, on top of a range
of retail funds guided by best-in-class investment houses.

Whatever goals you have for the future, and even if they
change along the way, start your investment journey stronger
with AIA Pro Achiever 2.0 today.

PAGE 1 | INVESTMENT AIA PRO ACHIEVER 2.0

Maximise potential returns
throughout your investment journey
100% of premiums invested from the start
With AIA Pro Achiever 2.0, your premiums are 100% invested to help you
accumulate wealth the moment you start investing.

Power up your investment with Welcome Bonus1 & Special Bonus2

To boost your capital, we’re offering up to 23% welcome bonus in the first
3 policy years1, including a 5% welcome bonus in the 1st policy year. To help
you reach your goals faster, you’ll receive a special bonus of 5% from the 10th
policy year, stepping up to 8% from the 21st policy year onwards2, when you
continue to pay the regular premiums.

Cap on supplementary charges

There will be no more supplementary charges after paying 11 years of
annual premiums. Every dollar of your investment will be directed to boost
your potential returns.

Start investing with no medical check-up required or

health questions asked!

AIA PRO ACHIEVER 2.0 INVESTMENT | PAGE 2

Flexibility to meet changing goals
Option to reduce premium3 Premium holiday
If your budget tightens due to We understand the going can
unforeseen events, you can choose get rough sometimes. Opt for
to reduce your premium amount a premium holiday until your
after paying 4 years of annual finances turn around7.
premiums. Charges may apply.

Cash-out option Free fund switching

Should the need arise, get access You may select funds to suit
to cash at no charge after paying your evolving risk appetite or
11 years of annual premiums4,5. adapt to market movements.

Ad-hoc top-ups Free auto fund rebalancing

Capitalise on investment We’ll help keep your portfolio
opportunities or invest extra on track and risk exposure
funds to reach your financial in check.
goals faster6.

Additional assurance for peace of mind

Death coverage Legacy planning
Secure your family’s financial You can transfer9 your plan to
future should unfortunate your spouse or child (below age
death occur8. There will also 16) as the secondary insured for
be an additional payout should policy continuity should you pass
accidental death happen in the on from an unforeseen event.
first 2 policy years. You also enjoy the flexibility
of appointing yourself as the
secondary insured if the plan is
bought for your child or spouse.

PAGE 3 | INVESTMENT AIA PRO ACHIEVER 2.0

Tap into expert guidance and portfolios
to reach your goals faster
Investing is not easy. AIA Pro Achiever 2.0 not only takes the complexities out of investing, but also
lets you leverage best-in-class expertise and portfolios to achieve greater returns.

AIA Investments – The trusted stewards of your wealth

AIA Elite Funds are managed by a dedicated team of wealth professionals at
AIA Investments, the exclusive investment arm of AIA Group that manages
over USD283.7 billion in assets#.

Being among the region’s largest institutional investors has given us the
scale to partner with leading global asset managers, including Baillie Gifford,
BlackRock and Wellington Management, to construct portfolios for varying
risk appetites, investment horizons and targeted returns.

Choice of 3 AIA Elite Funds to match your investment goals

Each fund comprises a strategic mix of equities and bonds, targeted at providing
optimal returns and financial stability for the long run.

AIA Elite Conservative AIA Elite Balanced AIA Elite Adventurous

AIAAIA
AIA
Elite
Low toElite
Elite
Conservative
Conservative
Medium Conservative
Risk AIAAIA
AIA
Elite
MediumElite
Elite
Balanced
toBalanced
Balanced
High Risk AIAAIA
AIA
Elite
Elite
Elite
Adventurous
Adventurous
HigherAdventurous
Risk
Low
Low
Low
to Medium
totoMedium
Medium
Risk
Risk
Risk Medium
Medium
Medium
to High
totoHigh
High
Risk
Risk
Risk Higher
Higher
Higher
Risk
Risk
Risk

30%
30%
30% 40%
40%
40%
10%
10%
10% 90%
90%
90%
70%
70%
70% 60%
60%
60%

Fixed
Fixed
Fixed
Income
Fixed
Income
Income
Income
Equities
Equities
Equities
Equities

AIA Elite
AIAAIA
Elite
AIA Funds
Elite
Elite
Funds
Funds
Fundsare
areare available
available
areavailable
available
in USD in
andUSD
ininUSD
USDand
and
SGD and
SGD
SGD SGD denominations.
denominations.
denominations.
denominations.

#
As of 31 Dec 2020, AIA Annual Report 2020.

AIA PRO ACHIEVER 2.0 INVESTMENT | PAGE 4

Invest in the best of retail funds from
AIA Guided Portfolios
Mercer Investments has 50 years of experience advising institutional
investors in over 50 countries, providing complete investment solutions to
organisations of all types and size. Globally, Mercer Investments has over
10,600 clients, with assets under advisementi (AuA) of US$15.5 trillion and
global assets under managementii (AUM) of US$379.7 billioniii.

AIA Guided Portfolios make investing easy. Take your pick from a choice of
3 Guided Portfolios put together by a team of dedicated professionals
at AIA – Pro Adventurous, Pro Balanced, or Pro Cautious – to suit varying
risk appetites, investment horizons, and targeted returns. Designed to
optimise your returns while minimising risk, each portfolio is researched
and well-diversified across asset classes, built on Mercer’s insights.
Add on assurance for yourself and your family
Critical Protector Waiver Riders
To ensure your plan’s continuity, future premiums of your
AIA Pro Achiever 2.0 plan and eligible riders (if any) will be waived,
upon diagnosis of any of the covered critical illnesses with:

• Early Critical Protector Waiver of Premium (II) rider; or

• Critical Protector Waiver of Premium (II) rider

Payor Benefit Riders

To secure your child’s future, we will waive future premiums of
your child’s AIA Pro Achiever 2.0 plan and eligible riders (if any) up to
his/her 25th birthday, upon diagnosis of any of the covered events such
as critical illness, disability or upon your passing with:

• Early Critical Protector Payor Benefit (II) rider; or

• Payor Benefit rider; or

• Payor Benefit Comprehensive Special (II) rider

AIA PRO ACHIEVER 2.0 INVESTMENT | PAGE 6

How AIA Pro Achiever 2.0 can help you
achieve your goals

At age 30, Jeff decides to accumulate his wealth

with AIA Pro Achiever 2.0.

To meet his needs for potentially higher returns and

greater assurance, he opts for:
Annual Premium : S$10,000
Portfolio : AIA Elite Adventurous Fund
Secondary Insured : His son, Lucas

Note: The diagram is for illustrative purposes and based on the scenario that Jeff transfers the ownership
of the policy to Lucas at age 21. The figures quoted in the example are based on the illustrated investment
return of 8% p.a. (before deducting the annual fund management charge). A 1.45% annual fund
management charge is assumed and all fees and charges have been included. The fees and charges are
not guaranteed and may be revised in the future at AIA’s discretion. Based on an illustrated investment
rate of return of 4% p.a., the projected payout when the plan is surrendered is S$1,249,700 and the total
potential returns at the end of policy year 45 is S$725,500. The actual benefits payable will depend on the
actual performance of the underlying assets of the fund(s) invested. The performance of the fund(s) is not
guaranteed and the cash value may be less than the capital invested. You are advised to refer to the policy
illustration for more information.

PAGE 7 | INVESTMENT AIA PRO ACHIEVER 2.0

 Policy Year
5% welcome bonus
1
Receives S$500 welcome bonus to boost his investment from the start

8% welcome bonus
2 Receives S$800 welcome bonus to boost his investment

10% welcome bonus

3
Receives S$1000 welcome bonus to boost his investment

5% special bonus
10
Receives S$500 annually from 10th year onwards

8% special bonus
20
Receives S$800 annually from 21st year onwards

30 Jeff passes on unexpectedly

His son, Lucas, becomes the new Insured of the plan

45 S$2,325,400 Policy Value (after withdrawal of S$100,000)

Lucas makes a partial withdrawal of S$100,000
for his children’s education

60 S$6,211,300 Policy Value (after withdrawal of S$100,000)

Lucas surrenders his plan
He receives 10.35x of S$600,000, the total amount of premiums paid

AIA PRO ACHIEVER 2.0 INVESTMENT | PAGE 8

General Notes:
There are certain conditions where no benefits will be payable. You are advised to read the relevant
policy contracts for details.
i
Assets under advisement include aggregated data for Mercer Investment Consulting, Inc. and its
affiliated companies globally (“Mercer”). Data is derived from a variety of sources, including, but not
limited to, third-party custodians or investment managers, regulatory filings, and client self-reported
data. Mercer has not independently verified the data. Where available, data is provided as of 31
December 2020 (“Reporting Date”). If data was not available as of the Reporting Date, information
from a date closest in time to the Reporting Date, which may be of a more recent date than the
Reporting Date, was included. Data includes assets of clients that have engaged Mercer to provide
project-based services within the 12-month period ending on the Reporting Date, and assets of
clients that subscribe to Mercer’s Manager Research database.
Assets under management is quoted as at 31 March 2021. References to Mercer shall be construed
ii

to include Mercer LLC and/or its associated companies, and include Mercer Investment Solutions
(Singapore) Pte. Ltd. which provides AIA with certain non-discretionary investment consulting
services. Investors of Guided Portfolios are clients of AIA, not of Mercer.
iii
This material has been prepared by AIA and is for informational purposes only.

1
Welcome Bonus of 5%, 8% and 10% of your regular premium will be payable for the 1st , 2nd, and
3rd annual premium received respectively (subject to the annualised premium amount).
2
Special Bonus of 5% of regular premium will be payable for the 10th – 20th annual premium
received, and increases to 8% of regular premium from the 21st annual premium received onwards.
3
Premium reduction is only allowed after paying 4 years of annual premiums. A premium reduction
charge will apply for premium reduction made prior to the payment of 11 years of annual premiums.
4
A partial withdrawal charge applies on withdrawals made prior to the payment of 11 years of
annual premiums. The benefits of the policy and policy value may be affected by any partial
withdrawals.
5
A surrender charge applies if you surrender your policy prior to the payment of 11 years of annual
premiums.
6
A 5% premium charge will apply on all top-ups.
7
If you take a premium holiday prior to the payment of 11 years of annual premiums, premium
holiday charges apply.
8
The death benefit is the higher of the total premiums paid (including any top-ups and premium
reduction top-up amount, less withdrawals) or the policy value, after applicable fees and charges
(if any) have been deducted.
9
The secondary insured can only be appointed by the original policyholder. Upon the passing of the
insured, no death benefit will be payable as the secondary insured will take over as the new insured
(subject to approval by AIA). The policy maturity date will be based on the original policy maturity
date or age 100 of the secondary insured, whichever is earlier. All existing riders will be terminated
when the policy is transferred to the secondary insured.

PAGE 9 | INVESTMENT AIA PRO ACHIEVER 2.0

Important Notes:
This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R)
(“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.
AIA Pro Achiever 2.0 is a regular premium Investment-linked Plan (ILP) offered by AIA. Investments
in this plan are subject to investment risks including the possible loss of the principal amount
invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the
ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not
necessarily indicative of the future performance of the ILP sub-fund(s).
The actual policy value will depend on the actual performance of the policy as well as any alterations
such as variation in the Insured Amount or premium, such as premium holiday or partial withdrawals.
There is a possibility that the policy value will fall to zero and in this case, the policy will be terminated.
Policyholder can avoid the policy lapsing by topping up additional premium.
Any access to confidential and proprietary information via Guided Portfolios that may be developed by
AIA is intended for your exclusive reference, for general information purposes only. This information is
not, nor intended to be, investment advice and shall not be relied on as such. AIA via Guided Portfolios
does not give any representations or warranties as to the accuracy of any information provided to
you and does not accept any responsibility or liability for any loss or damage which you may suffer
arising out of or in connection with your purchase. Where appropriate, you are encouraged to seek
independent legal, tax and other professional advice.
This does not constitute an offer or a solicitation of an offer to buy or sell securities, commodities
and/or any other financial instruments or products or constitute a solicitation on behalf of any of the
investment managers, their affiliates, products or strategies the information of which may be contained
herein. The contents and information contained herein have not been reviewed nor endorsed by the
Monetary Authority of Singapore and/or any other regulatory authorities.
References to Mercer shall be construed to include Mercer LLC and/or its associated companies, and
include Mercer Investment Solutions (Singapore) Pte. Ltd. which provides AIA with certain non-
discretionary investment consulting services. Investors of Guided Portfolios are clients of AIA, not of
Mercer.
You should seek advice from a qualified advisor and read the product summary and product highlights
sheet(s) before deciding whether the product is suitable for you. A product summary and product
highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your AIA
Financial Services Consultant or Insurance Representative. A potential investor should read the
product summary and product highlights sheet(s) before deciding whether to subscribe for units in the
ILP sub-fund(s).
As buying a life insurance policy is a long-term commitment, an early termination of the policy usually
involves high costs and the surrender value, if any, that is payable to you may be zero or 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.
Protected up to specified limits by SDIC.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
The information is correct as at 5 October 2021.

AIA PRO ACHIEVER 2.0 INVESTMENT | PAGE 10

AIA Singapore Private Limited
(Reg. No. 201106386R)

1 Robinson Road, AIA Tower, Singapore 048542

Monday – Friday: 8.45am – 5.30pm
AIA Customer Care Hotline: 1800 248 8000
aia.com.sg

SGPD2021022-1419-05102021 TM3300181 (10/2021)

PAGE 11 | INVESTMENT AIA PRO ACHIEVER 2.0