Family Secure

Affordable insurance with high returns

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Family Secure

A flexible life insurance plan that offers high-value coverage you can convert into a retirement plan for as low as PHP 44 per day

This plan comes with an AIA Vitality membership

Issue age

0 to 70 years old

Coverage period

Up to 100 years old


Policy benefits

Optional riders

Customize your plan’s coverage with these supplementary benefits

You’ll receive additional cash support to fund expenses for injuries, disabilities and death caused by accidents until you’re 72

Choose the rider that can give you better peace of mind:

Critical illness coverage rider
You'll receive a cash benefit upon diagnosis of any of the 56 covered major illnesses, including cancer, heart attack and stroke, until you’re 75

On top of this, you’ll also receive extra 10% coverage if you need an angioplasty procedure and 20% if you have diabetic complications

Critical illness coverage with early-stage payout rider
You’ll get all the benefits of the critical illness coverage rider, plus get 25% of your benefit in advance if diagnosed with any of the 11 covered early-stage conditions until you’re 75

The early-stage payout can be claimed up to 4 times

See covered illnesses

You no longer have to pay future premiums anymore if you’re diagnosed with any of the 56 covered critical illnesses until you’re 75

Choose the rider that can give you better peace of mind:

Waiver of premium rider
You no longer have to pay future premiums if you become disabled before 60

Waiver of premium with monthly payouts rider
You’ll get the benefit of the waiver of premium rider, plus receive monthly cash payouts to replace lost income due to total disability

For policy owners with children as the policy insured, we'll waive premium payments if you pass away or become disabled until the child is 25

Insurance lingo

This is the fee you pay us to protect you and your loved ones for a specified risk in a specified period of time.

This refers to the accumulated amount of cash that you can earn over a period of time. This amount will depend on what funds you choose to invest your money in

This is the fee you pay us to protect you and your loved ones for a specified risk in a specified period of time.

This is a condition resulting from injury or sickness wherein a person is unable to work or earn money from any occupation or business they are reasonably qualified by way of education, training or experience.

This is the person who owns and pays for the insurance policy

This is the person whose life is covered under a life insurance policy

Important details

The younger you get a life insurance, the more value you get

  • Age 30 - 95 x your yearly payment
  • Age 35 - 86 x your yearly payment
  • Age 40 - 76 x your yearly payment
  • Age 45 - 66 x your yearly payment
  • Age 50 - 48 x your yearly payment

  • 10% of the Critical Illness Coverage for Angioplasty
  • 20% of the Critical Illness Coverage for Diabetic Complication

  • Life insurance benefit can vary depending on age and payment amount.
  • Conversion of life insurance coverage to retirement savings is done by voluntarily reducing coverage down to 5x your yearly payment (dial-down option) upon reaching age 60 or after 10 years, whichever is later.
  • Premium period is not guaranteed. In the future, if the account value becomes insufficient to pay for charges, it is possible that additional premiums (i.e. top-ups) will be required to continuously enjoy the benefits of this plan and its riders.
  • Please consult your Financial Advisor or refer to the policy contract for full details on the critical illness, exclusions and limitations.
  • The amount of your account value will vary depending on fund performance which may be affected by market conditions.
  • The minimum premium required may increase depending on the occupational and medical ratings of the proposed insured.
  • The contents of this page are for illustrative purposes only. Actual terms and conditions of insurance coverage are found in the policy. In case of conflict, policy terms shall prevail.

Upon receiving the Policy Contract, you may refer to it for the full details on the Critical Illness definitions, exclusions including the pre-existing conditions, and other limitations. If after reading the Policy Contract, you decide that this plan is not suitable to your needs, simply return it to AIA Philippines within fifteen (15) days from the date you or your authorized representative received it and we will refund to you the total premium you paid.

Let’s get the conversation started