AIA RETIREMENT SAVER (IV)

CHART THE PERFECT COURSE

FOR YOUR RETIREMENT
Live your dream retirement with a plan tailored to your needs.
PAGE 1 | RETIREMENT AIA RETIREMENT SAVER (IV)
Why change your needs to fit your plan, when you can
have a plan that changes to fit your needs?

Age 30 “I want to save up little by little while I have time,

so I can retire at 60 and pursue my passion for
photography full time.”

“I have some money saved away that I want to put

in a plan and forget about until I retire, so I can
Age 40
have a nest egg waiting for me.”

Age 50 “I need a plan that will help me grow my

lump-sum savings and retire at 60, so my wife
and I can spend a few years travelling.”

We all live life differently and have our own retirement dreams. But how do you find the
right savings plan to make your dream a reality?
It’s time to stop searching. Take charge of your savings plan to make it fit your dreams.
In 3 easy steps, AIA Retirement Saver (IV) can be tailored to fit your future, bringing you
closer to your retirement goals through every life stage.

AIA RETIREMENT SAVER (IV) RETIREMENT | PAGE 2

Planning your retirement has never been so simple
Putting off your retirement plans? With AIA Retirement Saver (IV), planning for the future
is simpler than you think. Enjoy the flexibility to tailor a financial plan that suits your
lifestyle needs in 3 easy steps.

STEP Choose when you want to start receiving your retirement income
01 Always wanted to retire early? You can, with the option of receiving
retirement income from as early as age 50.

STEP Choose how long you wish to receive your preferred retirement income for
02 Supplement your desired retirement lifestyle with monthly retirement
income over a period of 15 or 20 years.

STEP Choose a premium term that suits your financial circumstances

03 Choose to pay a lump sum as a single premium, or spread your premiums
over a longer period (5 years, 10 years, or up to 5 years before your
chosen retirement age) for regular, more affordable payments.

No medical check-up required to start your retirement plan!

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Retire with confidence
Benefits for a stress-free retirement

Guaranteed monthly retirement income

This guaranteed income stream is paid over your choice of 15 or 20
years, supplementing your CPF to give you greater financial freedom.

Capital guaranteed1
Every dollar that you contributed is guaranteed at your selected
retirement age, so rest easy and enjoy your retirement!

Defer payment of premiums2

You can enjoy 12 consecutive months of interest-free deferred
premium with the Premium Pass Option, to ensure that your AIA
Retirement Saver (IV) plan will not be disrupted if you’re retrenched.

AIA RETIREMENT SAVER (IV) RETIREMENT | PAGE 4

Potential returns to enhance retirement income

Enjoy potential monthly dividends that step up every year

Start enjoying potential monthly dividends from your selected retirement
age. The dividends will increase by about 5% every year3, which will
enhance your guaranteed retirement income stream and cushion the
impact of inflation.

Attractive returns on your plan

Enjoy an attractive potential yield of up to 4.17% p.a.4 upon policy
maturity.

Receive a one-time terminal dividend (non-guaranteed)

Receive an extra bonus for your retirement funds or a small token for your
family upon claim, maturity or surrender of policy.

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Don’t let critical illness delay your retirement
Should a critical illness like cancer or heart disease strike, it’s important
to be able to halt your plans and step away from work, so you can focus
on getting back on your feet.
Protect your retirement dreams by adding on a Critical Protector Waiver
of Premium (II) or Early Critical Protector Waiver of Premium (II) rider
to take care of all your future premiums upon the diagnosis of any of the
covered 72 major stage or 149 multi-stage critical illnesses respectively.

AIA RETIREMENT SAVER (IV) RETIREMENT | PAGE 6

Achieve your dream retirement with a plan
that makes it easy
Dave (age 45) and Peter (age 55) both decided to secure their retirement with AIA
Retirement Saver (IV), and to each receive a retirement income of S$1,000/month
from the age of 65.

Dave wants to receive his monthly retirement income for 20

years, and prefers to spread out premium payments over 15 years

At age 50
Total premiums paid:
S$207,150#
Unfortunately, Dave is retrenched and chooses to exercise
the Premium Pass Option2 to defer premium payments for
100% Capital 12 months to ensure his AIA Retirement Saver (IV) plan
Guaranteed1 will not be disrupted.
at age 65

At age 65
Dave starts receiving his monthly retirement income.
Over 20 years, he will receive a total of both:

Guaranteed retirement income

(S$1,000/month): S$240,000

Additional retirement income

(projected total dividends): S$137,810*

Total yield
At age 85 at maturity:
3.68% p.a.*
Projected lump-sum terminal
dividend: S$149,360*

For S$1.95 a day for the Critical Protector Waiver of Premium (II) rider, Dave will not need to pay future
premiums to continue his AIA Retirement Saver (IV) plan if diagnosed with a covered critical illness.

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 Peter wants to receive his monthly retirement income
for 15 years, and prefers to pay a single premium

At age 65
Single premium paid: Peter starts receiving his monthly retirement income.
S$158,710 Over 15 years, he will receive a total of both:
100% Capital
Guaranteed1 Guaranteed retirement income
at age 65 (S$1,000/month): S$180,000

Additional retirement income

(projected total dividends): S$61,630^
Total yield
at maturity:
At age 80
3.52% p.a.^

Projected lump-sum terminal

dividend: S$63,140^

#
Calculated based on premiums paid on annual mode.
* Calculated based on the illustrated investment rate of return of 4.25% p.a. If the investment rate of return
is 3.00% p.a., the projected lump-sum terminal dividend at age 85 is S$67,210, projected total dividends
received is S$62,010, and total yield at maturity is 2.35% p.a.
^ Calculated based on the illustrated investment rate of return of 4.25% p.a. If the investment rate of return
is 3.00% p.a., the projected lump-sum terminal dividend at age 80 is S$28,410, projected total dividends
received is S$27,730, and total yield at maturity is 2.19% p.a.

Note: Diagrams are not drawn to scale, and figures quoted are for illustration purposes only. Monthly
dividends and terminal dividend payable (if any) are non-guaranteed. Once credited to the policy, monthly
dividends (if any) form part of the guaranteed benefits of the policy.

AIA RETIREMENT SAVER (IV) RETIREMENT | PAGE 8

General Notes:
A waiting period is applicable before the benefits of Critical Protector Waiver of Premium (II) or
Early Critical Protector Waiver of Premium (II) rider will be payable. You are advised to read the
relevant policy contracts for details.

Capital guaranteed at retirement age is applicable to the basic plan only, on the condition that all
1

premiums are fully paid and received in annual mode with no indebtedness or partial surrender.

2
 he Premium Pass Option is not applicable for single premium. This option can only be exercised
T
once after the third policy year in the event of Involuntary Retrenchment, provided that the policy
is in force and premiums have been fully paid for the first three years.

3
The monthly dividends are not guaranteed, depending on the experience of the participating
fund. The increase is approximately 5% per year, assuming dividends are declared every year as
projected in the policy illustration.

4
The total yield to maturity is non-guaranteed and is based on the illustrated investment rate of
return of 4.25% p.a. for a male non-smoker, aged 16, who chooses retirement age of 70, income
payout period of 20 years, and pays a single premium. It is based on the assumption that all the
retirement income and monthly dividends are also paid out. Based on the illustrated investment
rate of return of 3.00% p.a., he can receive a total yield of up to 3.25% p.a. upon maturity.

Important Notes:
These insurance plans are 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 these plans,
including exclusions whereby the benefits under your policy may not be paid out, are specified
in the relevant policy contracts. You are advised to read the policy contracts. 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. You may wish to seek advice from an AIA Financial Services Consultant
for a financial analysis before purchasing a policy suitable to meet your needs.
Protected up to specified limits by SDIC. This advertisement has not been reviewed by the
Monetary Authority of Singapore.
The information is correct as at 01 July 2021.

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About AIA
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 Mainland China,
Hong Kong Special Administrative Region, Thailand, Singapore, Malaysia, Australia,
Cambodia, Indonesia, Myanmar, the Philippines, South Korea, Sri Lanka, Taiwan, Vietnam,
Brunei, Macau Special Administrative Region, New Zealand, and a 49 per cent joint
venture in India.

The business that is now AIA was first established in Shanghai more than a century ago
in 1919. It is a market leader in Asia (ex-Japan) based on life insurance premiums and
holds leading positions across the majority of its markets. It had total assets of US$326
billion as of 31 December 2020.

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, AIA serves the holders of more than 38 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”).

AIA RETIREMENT SAVER (IV) RETIREMENT | PAGE 10

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

1 Robinson Road, AIA Tower, Singapore 048542

Monday – Friday: 8.45am – 5.30pm
AIA Customer Care Hotline: 1800 248 8000
aia.com.sg

SGPD2021011-1350-01072021 TM3300140 (04/2019 05/2020 07/2021)

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