AIA A+ Signature

Create the future you want

Overview
Policy benefits
Important details

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AIA A+ Signature

With its guaranteed benefits of cash payouts, life insurance coverage, and possible additional dividends, AIA A+ Signature lets you create a secure future for you or your family.

It is a plan for you to keep living your dreams and enjoy every moment of life even when you retire, or for your children to start living the secure life you’ve always wanted for them.

Coverage period

Up to age 100 of the insured

Payment Variants

5-Pay, 10-Pay, and 20-Pay

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Policy benefits

Guaranteed Cash Payouts

Receive an amount equal to 10% of your plan’s face amount starting from the 5ᵗʰ or 6ᵗʰ year of your plan depending on the pay variant you selected that continues every 2 years as long as the insured is still alive or up to age 100.

Guaranteed Maturity Benefit

Receive a lump sum amount equal to 200% of your plan’s face amount if you reach 100.

Flexible payment terms

Easy payment terms of 5, 10, or 20 years you can choose from.

Additional Dividend Payouts

This policy gives you the opportunity to get non-guaranteed dividends which you can use as additional funds for yourself or your family.

Additional Protection Available

The optional riders can be included in your plan to make the most out of your policy and get more security and protection.

Learn More

Guaranteed Life Insurance Coverage

Provide your beneficiary Guaranteed Life Benefit equal to 200% of your plan’s face amount in case of death.

Guaranteed Cash Payouts

Receive an amount equal to 10% of your plan’s face amount starting from the 5ᵗʰ or 6ᵗʰ year of your plan depending on the pay variant you selected that continues every 2 years as long as the insured is still alive or up to age 100.

Guaranteed Maturity Benefit

Receive a lump sum amount equal to 200% of your plan’s face amount if you reach 100.

Flexible payment terms

Easy payment terms of 5, 10, or 20 years you can choose from.

Additional Dividend Payouts

This policy gives you the opportunity to get non-guaranteed dividends which you can use as additional funds for yourself or your family.

Additional Protection Available

The optional riders can be included in your plan to make the most out of your policy and get more security and protection.

Learn More

Guaranteed Life Insurance Coverage

Provide your beneficiary Guaranteed Life Benefit equal to 200% of your plan’s face amount in case of death.

Guaranteed Cash Payouts

Receive an amount equal to 10% of your plan’s face amount starting from the 5ᵗʰ or 6ᵗʰ year of your plan depending on the pay variant you selected that continues every 2 years as long as the insured is still alive or up to age 100.

Guaranteed Maturity Benefit

Receive a lump sum amount equal to 200% of your plan’s face amount if you reach 100.

Flexible payment terms

Easy payment terms of 5, 10, or 20 years you can choose from.

Additional Dividend Payouts

This policy gives you the opportunity to get non-guaranteed dividends which you can use as additional funds for yourself or your family.

Optional rider

Make your plan more suited to your specific needs through these additional comprehensive set of benefits.

Receive financial support to pay for medical expenses in case of hospitalization and emergency treatment. Gain access to our wide range of accredited hospitals, doctors, and health and wellness services.

Insurance lingo

Payments made for your life insurance policy.

Amount that will be the basis of the insurance coverage, maturity benefit, and cash payouts.

The end of the policy’s coverage or duration. For this product, it is when the Insured turns 100 years old.

Extra cash payout that you can receive only when available.

5-PAY	10-PAY	20-PAY
10% of the face amount Every 2 years until policy maturity if the insured is alive at the time of payouts
Starting at the end of the 5th Policy Year	Starting at the end of the 6th Policy Year

Protection + Retirement Planning

Customers can get this now to plan for their retirement and ensure that they have a continued income stream or additional source of income to sustain their lifestyle and enjoy their golden years.

Gift And Protection And Savings

Customers can also purchase this product as a gift to their loved ones or even their children because of the issue age starting at age zero. They can express their love through guaranteed protection and savings for the people they hold closest to their hearts.

The Payor/Policy Owner of the insurance plan is the one who purchased or is paying for the plan. In most cases, the owner and insured are the same.

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Important details

Payment Term	Owner Issue Age	Insured Issue Age
5 years to pay	18 years old and up	0-65 years old
10 years to pay	18 years old and up	0-60 years old
20 years to pay	18 years old and up	0-50 years old

Payor's Benefit On Death And Disability (PBDD)

Waives the premium payments in case of untimely death or total and permanent disability of the Payor/Policy Owner

Not available for plan with 5-year payment period
Available if the insured is a minor (Ages 0-17)
Terminates at age 25 of the Insured

Total And Permanent Disability (TPD)

Provides a cash benefit in case of Total and Permanent Disability due to bodily injury or disease prior to age sixty-five (65) of the insured.

Personal Accident (PA)

An additional benefit that provides coverage on accident-related conditions prior to age seventy-five (75) of the insured. Customer will receive an additional 100% of the PA benefit if the accident is due to Public Transportation or Acts of Nature.

Payor’s Term Benefit (PTB)
This rider is perfect for those who are buying this product to insure a loved one. It provides a lump sum amount in case of untimely death of the Payor/Policy Owner.

Medical Benefit (MB)
Receive extra financial support to pay for medical expenses in case of hospitalization. This rider will cover up to 90%* of your in-patient hospitalization costs. You also get access to our widest range of accredited hospitals and doctors.

10 Critical Illness (10CI)
With this, you can shield your family from the burdens of medical expenses through the lump sum amount you’ll receive in case you get diagnosed with any of the covered Critical Illnesses before age 75.

Enhanced Waiver of Premium (EWP)
This rider waives all future premium payments (except the Medical Benefit rider premium, if attached) if in case you suffer from total and permanent disability or a covered critical illness.

*Subject to Policy terms and conditions

AIA A+ Signature is a peso-denominated participating ordinary life insurance plan that provides guaranteed death benefit, guaranteed maturity benefit, and guaranteed cash payouts up to age 100 of the Insured. It is available in 3 payment term options: 5 years to pay, 10 years to pay, and 20 years to pay.

The contents of this page are for illustration purposes only. Actual terms and conditions are found in the Policy. In case of conflict, the term of the Policy will prevail.

Dividends are not guaranteed and will be paid if available.

Upon receiving the Policy Contract, you may refer to the document for full details on the definitions, and other limitations. If you decide that this plan is not suitable to your needs after reading the Policy Contract, simply return the document to AIA Philippines within fifteen (15) days from the date when you or your authorized representative received it and we will refund to you the Total Premiums paid.

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Create the future you want

AIA A+ Signature

Up to age 100 of the insured

5-Pay, 10-Pay, and 20-Pay

Policy benefits

Guaranteed Cash Payouts

Guaranteed Maturity Benefit

Flexible payment terms

Additional Dividend Payouts

Additional Protection Available

Guaranteed Life Insurance Coverage

Guaranteed Cash Payouts

Guaranteed Maturity Benefit

Flexible payment terms

Additional Dividend Payouts

Additional Protection Available

Guaranteed Life Insurance Coverage

Guaranteed Cash Payouts

Guaranteed Maturity Benefit

Flexible payment terms

Additional Dividend Payouts

Optional rider

Make your plan more suited to your specific needs through these additional comprehensive set of benefits.

Enhanced Medical Benefit Rider

Insurance lingo

What do "premiums" mean?

What does "face amount" mean?

What does "maturity" mean?

What do "non-guaranteed dividends" mean?

How does "guaranteed cash payout" work?

This product is perfect for

What is "Payor/Policy Owner"?

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Important details

Issue Age

Additional Protection Available

Terms & conditions

Reminder on Free-Look Period

Let’s get the conversation started

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