Your family and wealth, your enduring legacy. · A lasting legacy, a precious gift for your loved ones AIA is a Real Life Company committed to providing quality financial advice and

Products supplied by:

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

1 Robinson Road, AIA Tower, Singapore 048542 Monday - Friday 8.45am - 5.30pmAIA Customer Care Hotline: 1800 248 8000 aia.com.sg

Distributed by:

Citibank Singapore Limited (Reg. No. 200309485K)8 Marina View, Asia Square Tower 1 Singapore 018960 • Citigold Hotline: + 65 6225 5226 • citi.com.sg

©2015 Citibank. Citi, Citibank, Citigold and Citi and Arc Design are registered service marks of Citigroup Inc.Citibank Singapore Limited Co. Reg. No. 200309485K.

Your family and wealth, your enduring legacy.AIA Platinum Legacy (VII) grows and protects your wealth for the next generation.

Citi solutions. AIA expertise.

A lasting legacy, a precious gift for your loved onesAIA is a Real Life Company committed to providing quality financial advice and delivering innovative

solutions to serve the protection needs of families at every stage of their lives. We have a deep

understanding of the Asian market with roots in Shanghai that go back more than 90 years. We have been

serving the Singapore community for over 80 years and our S&P rating AA- makes us one of the highest

rated financial institutions in Singapore for financial strength.

As a market leader in the Asia-Pacific region, we’ll combine our financial expertise with our keen

understanding of the financial landscape to provide relevant solutions that meet your evolving needs. We

are dedicated to delivering comprehensive wealth management solutions to you, so that you will have a

legacy that is stable, rooted and enduring, for the generations to come.

Secure a legacy that is strong, stable and enduring

Solutions that pave the way for your next generationYou have worked hard to reach the pinnacle of success. And your next goal is to ensure your legacy lives on for generations to come. With AIA Platinum Legacy (VII), you can establish an enduring one that empowers your loved ones to carry on their current lifestyles.

What’s more, AIA Platinum Legacy (VII) is uniquely designed to help you enhance and protect your current financial assets, while enabling wealth transfer in accordance to your wishes. Thus, your children are empowered to take the helm so that, they too, can provide their future generations with the same strength and stability you have given them.

Enjoy the advantages of legacy planning and wealth preservationLifetime of high insurance coverage

AIA Platinum Legacy (VII) is a non-participating universal life plan that provides you with a high coverage for life with protection against death or diagnosis of a Terminal Illness while growing your wealth. Thus you will enjoy even more peace of mind knowing your loved ones are well taken care of from your astute planning.

Enhance your financial legacy

With AIA Platinum Legacy (VII), you can enhance your wealth with an attractive crediting rate on your initial premium that is guaranteed for the first 3 years. What is more, the interest crediting rate is guaranteed at 1.5% per annum as long as you own the policy. This way, you can more accurately predict the increase in the value of your policy year on year.

Portfolio diversification

Protecting your life’s achievement is imperative. AIA Platinum Legacy (VII) can be an integral part of your portfolio to complement your other assets such as equities, properties or even a family business that are easily affected by volatile market conditions. This diversification helps reduce your overall portfolio risk and provides the added stability needed for an enduring legacy.

Harmonious wealth transfer

AIA Platinum Legacy (VII) gives you added peace of mind by ensuring an equitable distribution of your estate to your loved ones according to your wishes so that you can minimise potential family friction after your passing.

Gain an edge with greater flexibility

AIA Platinum Legacy (VII) can be tailored to fit your needs, allowing you to:• Have a flexible premium payment choice1 of one lump sum, or at regular intervals over time;• Invest more money at the available crediting rate by ‘overfunding’2 your policy;• Make free partial withdrawals from the 11th policy year onwards3 or take a policy loan4, if you require

access to cash;• Increase or decrease your Insured Amount at any time5.

Transparent fee structure

Enjoy greater transparency compared to other traditional life plans when it comes to the value accumulation as the crediting rates and charges of AIA Platinum Legacy (VII) are more explicit.

01 | AIA PLATINUM LEGACY (VII) AIA PLATINUM LEGACY (VII) | 02

Fulfil two goals with one planScenario 1: Wealth Enhancement and Life Protection

Empower your future generations with your successScenario 2: Equitable Equalisation of Wealth

Without AIA Platinum Legacy (VII)

At 60, Mr Lim intends to retire and plan to handover the family business to his eldest son and leave his

properties to his second son. However he wants to be fair to his 3 children and transfer his wealth to them

equally upon his passing on. These conditions make it complicated for Mr Lim to ensure fair and equal

distribution of his wealth.

With AIA Platinum Legacy (VII)

Because of Mr Lim’s astute planning years ago, his wealth was enhanced from US$23m to US$30m enabling

him to facilitate the equal distribution of US$10m to each of his three children from the insurance proceeds.

Mr Lim’s total wealth is valued at US$23m and is made up of a myriad

of assets that include a family business, properties as well as other

assets that could be volatile during market movements.

Portfolio Value US$23m

Family Business US$6m

Properties US$8m

Investments US$4m

Cash US$5m

Mr Lim wants to be protected against the uncertainties of life as well as enhance his wealth. Thus he

purchases an AIA Platinum Legacy (VII) plan. He pays a single premium of US$3m* for an Insured Amount

of US$10m throughout his lifetime.


Properties US$8m

Investments US$4m

Cash US$5m


Properties US$8m

Investments US$4m

Cash US$2m

Insurance ProceedsUS$10m


Without AIA Platinum Legacy (VII) With AIA Platinum Legacy (VII)


Portfolio Increase by 30%

This gives an immediate boost to his existing portfolio and increases the total value of his wealth to US$30m.

In addition, this Universal Life plan offers diversification that complements while stabilising his existing

investment portfolio. AIA Platinum Legacy (VII) also provides immediate liquidity which can be tapped on

if the need arises.

* The above example in Scenario 1 is based on a 50-year-old male non-smoker, Singapore resident, who buys a standard life policy and pays a single premium of US$3,050,539. For simplicity, single premium US$3,000,000 will be used in the above example.


Family Business US$6m Properties US$8mInvestments US$4m

Cash US$5m

Eldest Son Second Son Third Daughter

Family Business US$6m Properties US$8m

Investments US$4m

Cash US$2m

Eldest Son Second Son Third Daughter







Prepare a rich legacy for your loved ones

Key Benefits• High insurance coverage for whole of life

• Enhance your wealth with cash value accumulation

• Guaranteed crediting rate on your initial premium for the first 3 years

• Diversification of portfolio

• Wealth transfer according to your wishes

• Access to cash value from Day One

• Flexible payment choices

• Transparent fee structure1 The chosen premium amount must meet the minimum premium requirement.2 You have the option to pay more premium than that required to achieve your desired Accumulation Value by your specified date.

Such premiums are subject to our approval.3 A partial withdrawal charge is applicable during the first fifteen (15) years of your policy, as well as from the effective date of any

increment in your Insured Amount. We offer a free partial withdrawal limit from the eleventh (11th) policy year onwards, meaning we will not deduct any partial withdrawal charges so long as the partial withdrawal amount does not exceed 4.5% of the Accumulation Value at the start of the policy year in which the partial withdrawal is made. Any amount in excess of the free partial withdrawal limit is subject to partial withdrawal charges. We reserve the right to terminate or suspend the partial withdrawal facility at any time at our sole discretion. We will not be responsible for any losses whatsoever arising from or attributable to our decision to suspend or terminate the partial withdrawal facility.

4 Subject to approval. Policy loans are subject to the prevailing loan interest rate. The loan amount requested, plus any outstanding indebtedness you may have, must not exceed 80% of your policy’s cash value (or such other percentage as determined by AIA).

5 Decreases in Insured Amount may incur partial withdrawal charges and are subject to a minimum insured amount requirement of US$500,000. Increases in Insured Amount will require evidence of insurability and is subject to our approval. Decrease or increase in Insured Amount is allowed after one (1) year from the Issue Date of your policy.

6 Payable if death occurs before the policy anniversary immediately following the Insured’s 122nd birthday. Else the Death Benefit is equal to the Accumulation Value. In either case, the amount payable is less any indebtedness.

7 The Premium Charge rate, Administration Charge rate and Insurance Risk Charge rate are not guaranteed. We reserve the right to make changes to the Premium Charge rate, Administration Charge rate, and Insurance Risk Charge rate but will give you at least one (1) month’s prior written notice before any change.

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.

Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be 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.

This is only general product information provided by us and is not a contract of Insurance. The information provided must be read with, and subject to, all the terms and conditions and exclusions contained in the policy contract. Full details are stated in the policy contract. You should seek advice from a qualified adviser if in doubt. If you choose not to, you are responsible for ensuring that any insurance product you have applied for is suitable for you. All insurance applications are subject to the insurer’s underwriting and acceptance.

Insurance products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup Inc or any of their affiliates or subsidiaries. Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

Insurance products are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. They may be protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). For the list of insurance companies which are scheme members, please refer to this link -https://www.sdic.org.sg/pp_scheme_members.php. Coverage is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please visit the Life Insurance Association (“LIA”) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

The information is correct as at August 2015.

Product features at a glance


Maximum Coverage Age Whole of Life

Currency USD

Death Benefit6 The higher of the current Insured Amount or Accumulation Value

Minimum Insured Amount US$500,000

Minimum Guaranteed Crediting Rate 1.5% per annum

Premium Payment Modes Single or multi-pay

Policy Governing Law Singapore

Minimum Premium Requirement Period First 8 policy years (on a cumulative basis)

Premium Charge7 The initial premium charge rate is 8%. Subsequent premiums will be subjected to a prevailing charge rate not to exceed 8%.

Administration Charge7

Insurance Risk Charge7 Deducted monthly for the life of the policy. The rate is guaranteed for the first 5 policy years. Refer to the product summary for applicable rates.

Partial Withdrawal/Surrender Charge Applicable to partial withdrawals/surrender made within the first 15 years. Partial withdrawals from the 11th policy year onwards may be free of charge if certain requirements are satisfied3.

Deducted monthly for 7 years. Refer to the product summary for an explanation of charges and applicable rates.

18 - 75 years oldEntry Age

Issuing Company AIA Singapore Private Limited

Citibank full disclaimers, terms and conditions apply to individual products and banking services. ©2015 Citibank. Citi, Citibank, Citigold and Citi and Arc Design are registered service marks of Citigroup Inc. Citibank Singapore Limited Co. Reg. No. 200309485K Printed on 09/2015

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Your family and wealth, your enduring legacy. · A lasting legacy, a precious gift for your loved ones AIA is a Real Life Company committed to providing quality financial advice and