Investment-Linked Life Insurance
Contact Details
Richtec Consultancy
Phone: 019-787 1313
No. 11-01, Jalan Mutiara Emas 2A, Taman Mount Austin, 81100 Johor Bahru, Johor
Investment-Linked Life Insurance
Investment-linked life insurance pays out in the event of death, permanent disability, or policy maturity. It also has a surrender value, which allows you to get a portion of your savings back if you decide to cancel your insurance policy.
In Malaysia, there is also an AIA Takaful Investment-Linked Insurance plan offered by AIA.
Investment-Linked Insurance
This investment-based life insurance policy is linked to specialist fund managers' investment funds in order to have better returns. The AIA A-Life Infinite and AIA Signature Beyond product policies are the strongest insurance investment plans by AIA.
Without a medical checkup, the investment-linked life insurance scheme begins with a higher baseline coverage amount of RM500,000 and can go up to RM4 million. And, subject to underwriting, you can go up to whatever amount you like.
Importance of Investment-Linked Life Insurance
This is a safeguard for your loved ones. If the covered individual dies or becomes disabled while the insurance policy is in effect, the amount guaranteed is paid to the named beneficiary. This scheme can be used with a company's key person insurance plan. The maximum age that can be covered is 100 years old.
The following are some of the advantages of this policy:
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Estate planning
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Covers the costs of a funeral and all associated expenses.
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Financial stability for the family to cover cash flow deficits in the short term
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Returns in cash when the scheme expires
Insurance Coverage
The participants range in age from 18 to 70. The insurance policy covers you for up to 100 years. The length of coverage for insurance premiums can differ depending on the policies chosen. These AIA plans have exclusive optional advantages that you won't find anywhere else.
A minimum amount assured of RM500,000 is needed. The overall amount guaranteed is subject to the terms and conditions of underwriting. If you need to move to a different plan, please contact us for the best guidance on how to proceed. Additional declarations and underwriting terms and conditions may be required.
The amount of insurance premium paid is determined by the insured's fitness, age, and gender. To assess the premium rates, the policy will be underwritten once. Regular premium payments are best made once a year, but they can also be made monthly or quarterly if necessary. Payments may be created by debiting a credit card or using other methods.
As opposed to whole life and term insurance policies, an investment-linked life insurance plan is the better choice because most people want a return on their investment in an insurance policy. This provides equal total life insurance, but with a higher return on investment at the end of the policy's term.
Get professional advice
Contact our representative to receive personalized insurance advice and begin your journey with us today. Call Felicia Fong (+6019-7871313) to receive the best insurance advice for you and your loved ones.
AIA A-Life Signature Beyond 2
A-Life Signature Beyond 2 is a regular premium Investment-Linked Insurance Plan (ILIP) which covers death, and Total and Permanent Disability (TPD). It offers high protection with a minimum coverage amount of RM500,000.
You may choose from various premium payment and coverage terms that suit your needs. This plan gives you the flexibility to withdraw early or to top-up your investment amount based on your needs. In addition, you can also enjoy enhanced protection by opting for the various optional benefits at an additional cost.
