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Grow and preserve your wealth to create a lasting legacy.

What you’ve built for a lifetime can now be treasured for many more.

WEALTH MANAGEMENT

AIA PLATINUM HERITAGE WEALTH (II)

It’s more than a legacy you leave behind.

It’s an invaluable part of their future success.

The success you’ve achieved in a lifetime has not only provided the best for your children, but also set an illustrious example for them. Except now, you have the power to do more than inspire.

With AIA Platinum Heritage Wealth (II), you can afford them the financial advantage to succeed in life, without compromising your lifestyle and retirement. It is a whole life plan that protects everything you’ve worked for, provides stable wealth growth, and seamlessly hands it down to the next generation in accordance with your wishes.

As you create a lasting legacy with us today, so too will your children and generations be empowered to mould their own success tomorrow.

AIA PLATINUM HERITAGE WEALTH (II) WEALTH MANAGEMENT | 02

With a good plan in place, your legacy can be timeless.

Lifetime assurance for you and your familyEnjoy a lifetime of high guaranteed coverage against unforeseen death1 and terminal illness up to age 100.

Enhanced coverage against the unexpectedIn the event of accidental death2 before age 85, we will pay an additional 25% of the minimum death benefit.

Opportunities to grow your wealthCreate an enduring legacy by enhancing your wealth through the stable cash value growth delivered in the form of bonuses3.

Flexible Premium ContributionYou can choose Single Premium or Regular Premium for 5 years.

Rewarding healthier, longer, better livesIf you quit smoking successfully, we will refund 5% of your Single Premium (for Single Premium plan), or reduce your next premium to that of a non-smoker for the Regular Premium plan4.

A trove of benefits for your unique legacy planning needs

AIA Platinum Heritage Wealth (II)

AIA PLATINUM HERITAGE WEALTH (II) WEALTH MANAGEMENT | 04

All that you hold precious will be protected, whatever happens.

Protecting and enhancing the value of your legacy

Your loved ones are always at the centre of your success. When planning your legacy, you can provide a lifetime of financial security by growing your wealth. In the unforeseen event of death and terminal illness, AIA Platinum Heritage Wealth (II) also guarantees high coverage and instant liquidity to avoid liquidating your assets prematurely, which in turn keeps the value of your legacy intact.

Example:

Dr. Lim, 40, is a renowned surgeon who has achieved career success and amassed a sizeable fortune.

By age 60, Dr. Lim’s total wealth is valued at US$28M and is made up of multiple assets, which includes a family business.

WITHOUT AIA PLATINUM HERITAGE WEALTH (II)Should the unforeseen happen and Dr. Lim passes on. His family may be forced to liquidate his assets prematurely to cover existing liabilities and ensure business continuity.

Dr. Lim’s family surrenders part of his assets worth US$8M in order to keep the business running.

WITH AIA PLATINUM HERITAGE WEALTH (II)At age 40, Dr. Lim purchases AIA Platinum Heritage Wealth (II) with a Single Premium of US$1,959,998.40 for the coverage amount of US$10M. This gives him the peace of mind that should he pass on, the value of his legacy will remain intact.

US$28M US$1,959,998.40 US$36,040,001.60

Cost of Insurance Total Death Benefit Payout1

=– + US$10MDr. Lim’s Assets

Dr. Lim's estate grows

by 28.71%

Dr. Lim’s Assets US$28M US$8M US$20M

Assets Surrendered

–– =

Dr. Lim's total assets are reduced

by 28.6%

AIA PLATINUM HERITAGE WEALTH (II) WEALTH MANAGEMENT | 06

WITHOUT AIA PLATINUM HERITAGE WEALTH (II)Given that his assets are valued differently, it will be complicated to ensure a fair and equitable distribution among his three children.

Eldest Son Younger Son

Transferring your wealth through estate equalisation

You’ve spent years amassing wealth and diverse assets. When it’s time to enjoy your retirement, you may wish to hand down the responsibilities and ownership. With AIA Platinum Heritage Wealth (II), your estate will be passed on equitably and fairly to your loved ones according to your wishes, thus avoiding any potential family conflict that may arise over inheritances.

Example:

Julian, 40, smoker, is fast approaching the twilight of his career as the owner of a successful architecture firm. He plans to retire soon, leaving his business in the hands of his eldest son, with his property split equally between his younger son and younger daughter when the time comes.

35 YEARS LATER

Should the unforeseen happen, Julian passes on at age 75 from an accident.

His Total Wealth: US$26M

Business US$9M I Property US$12M I Cash Assets US$5M

Younger Daughter

Family Business US$9M

Cash AssetsUS$2.5M

PropertyUS$6M+

Total Sum: US$8.5M

Cash AssetsUS$2.5M

PropertyUS$6M+

Total Sum: US$8.5M

AIA PLATINUM HERITAGE WEALTH (II) WEALTH MANAGEMENT07 |

WITH AIA PLATINUM HERITAGE WEALTH (II)At age 40, Julian purchases AIA Platinum Heritage Wealth (II) which gives him an immediate estate of US$10M with a Regular Premium of US$555,766.40 to be paid across 5 years. Should he pass on, the total estate received will help to facilitate the equal distribution of US$12M to each of his three children.

Immediate asset of: US$10M

Julian quits smoking, and his premiums

are reduced to that of a non-smoker rate

The premium payment term ends. Julian paid

a total premium of US$2,375,954.80

Annual Premiums to be paid across 5 years

Julian meets with an accident and passes on within

90 days

Age

40 42 43 44 4541

New Annual Premium:

US$421,474.00 (24% reduction)

Annual Premium:

US$555,766.40

Total Payout that he receives:

75

The amount received allows for equal distribution of assets across his three children, with each receiving US$12M. They will also receive an additional amount to tide over the necessary expenses if required.

Business: US$9M + Property: US$12M + Cash Assets: US$5M + Insurance Proceeds: US$12,998,279

Total Estate Value at the time of this passing (after the cost of insurance): US$36,622,324.20

Additional amount to cover necessary

expenses: US$622,324

Family Business US$9M

Eldest Son

Cash AssetsUS$2.5M

Insurance ProceedsUS$3M

+

Younger Son

PropertyUS$6M

+

+

Younger Daughter

Insurance ProceedsUS$3.5M

Total Sum: US$12M

Total Sum: US$12M

US$12,998,279

Death Benefit1 Payout:

US$10,998,279

Accidental Death Payout2:

US$2,000,000

+

Julian purchases AIA Platinum Heritage Wealth (II)

Note: The figures quoted above are for illustrative purposes only and assuming Singapore residency and standard risk class. The death benefit payout is non-guaranteed and calculated based on the illustrated investment rate of return of 5.25%. Based on a lower investment rate of return of 3.75%, the death benefit will be US$10,000,000.

Cash AssetsUS$2.5M

PropertyUS$6M

+

+Insurance ProceedsUS$3.5M

Total Sum: US$12M

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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. 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 of 15 January 2020.

General Notes:1 The benefit payable shall be the higher of the minimum death benefit or the insured amount under the participating and non-participating portions of this plan plus non-guaranteed bonuses or the surrender value (less any indebtedness). The minimum death benefit will be reduced after age 85. 2 Coverage for Accidental Death is subject to a maximum limit of US$2M for all Platinum Heritage Wealth (II) policies that cover the same life and will be paid out if the insured passes away due to bodily injury caused by an accident within 90 days. 3 Bonuses are non-guaranteed and will depend on the experience of the participating funds. Reversionary bonus and Terminal bonus payable (if any) are non-guaranteed. Once credited to the policy, reversionary bonuses (if any) form part of guaranteed benefits of the policy. Terminal bonus is a one-time, non-guaranteed, discretionary bonus that may be payable to you when you make a claim, choose to stop the policy, or when the policy ends. 4 This benefit will only be applicable if the life assured meets all the necessary terms and conditions.

AIA Group Limited and its subsidiaries (collectively “AIA” or the “Group”) comprise the largest independent publicly listed pan-Asian life insurance group. It has a presence in 18 markets in Asia-Pacific – wholly-owned branches and subsidiaries in Hong Kong, Thailand, Singapore, Malaysia, Mainland China, Korea, the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau, Brunei, Cambodia, a 97 per cent subsidiary in Sri Lanka and a 49 per cent joint venture in India. In April 2019, AIA was also granted approval as a preferred applicant to operate in Myanmar through a 100 per cent wholly-owned subsidiary.

The business that is now AIA was first established in Shanghai a century ago in 1919. It is a market leader in the Asia-Pacific region (ex-Japan) based on life insurance premiums and holds leading positions across the majority of its markets. It had total assets of US$256 billion as of 30 June 2019.

AIA meets the long-term savings and protection needs of individuals by offering a range of products and services including life insurance, accident and health insurance and savings plans. The Group also provides employee benefits, credit life and pension services to corporate clients. Through an extensive network of agents, partners and employees across Asia-Pacific, AIA serves the holders of more than 34 million individual policies and over 16 million participating members of group insurance schemes.

AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under the stock code “1299” with American Depositary Receipts (Level 1) traded on the over-the-counter market (ticker symbol: “AAGIY”).

About AIA

AIA Singapore Private Limited(Reg. No. 201106386R) 1 Robinson Road, AIA Tower, Singapore 048542Monday – Friday: 8.45am – 5.30pmAIA Customer Care Hotline: 1800 248 8000aia.com.sg S

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