4 Best AIA Investment-Linked Plans: [2023] Updated


AIA Investment-Linked Plans

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AIA Investment plans

Table of Contents

AIA offers a range of 4 different investment-linked policies. In this article, we will be collating and summarising each product in each category.

AIA Platinum Wealth Elite

AIA Platinum Wealth Elite

The AIA Platinum Wealth Elite is one of a kind because it gives you the options to fine-tune your risk in SGD or USD. This is done with 3 distinct types of portfolios for you to choose from, namely Conservative, Balanced or Adventurous.

Furthermore, along with the plan, you get wealth management and assistance through selected prestigious partners so that you don’t have to worry about not knowing what you’ll need.

The plan also provides you with liquidity as it lets you take out 5% of the plan’s policy value each year. Also, you are able to choose between a single premium payment or make premium payments for 5 years from the 11th policy year onwards.

If this still does not seem enough, the plan provides guaranteed coverage till you turn 122 years old. Upon the death of the life assured, the higher of the present insured amount or your policy value will be paid out. This amount will also be paid out at the onset of a terminal illness pronouncement of the assured.

Furthermore, your protection will be assured for the first 15th policy years, no matter the performance of your fund.

No matter your mindset, you can either choose to be secure or take risks and earn higher rewards. This plan has the potential to fit all your needs just like you want them.


  • Choice of single or premium payments for 5 years (extendable to 20 years upon purchase)
  • Invest in USD or SGD
  • Top-ups available
  • Withdrawals available
  • Coverage against death and terminal illness
  • Choose from 3 portfolio types – Conservative, Balanced or Adventurous
  • Issue age:
    • Single premium (18-65 years old),
    • Regular Premium (18-70 years old)


Source: https://www.aia.com.sg/en/our-products/investments/aia-platinum-wealth-elite.html

AIA Pro Achiever

AIA Pro Achiever

The AIA Pro Achiever is for those who want to achieve a plethora of wants and wishes in their life.

Nothing is left behind in this plan; every bit of your premium gets invested in making it grow.

There are 4 selections of premium payment frequencies (Yearly, Half-yearly, Quarterly, and Monthly), each with its own minimum amounts. The lowest being S$200 monthly.

Furthermore, the longer you commit, the higher the rewards. After 12 years of paying premiums, AIA will give you 5% additional allocation. AIA also limits the charges you pay by omitting supplementary charges from the 13th policy year onwards if you have paid premiums regularly.

If you’re unsure about investing, then don’t be worried. The plan comes with an expert portfolio to help you out at each step. With AIA Pro Achiever you are able to select from 3 different guided fund portfolios, namely Pro Adventurous, Pro Balanced, or Pro Cautious to match your desired risk level.

Upon the death of the insured the higher of net regular premiums paid (Premiums paid + Top-ups – Withdrawals) or your policy value is paid out. Of course, any fees and charges owing to AIA will have to be deducted from the amount to be paid out first.

An extra 100% of your premiums paid will be paid out too, upon the death of the life assured within 90 days from an accident, if within the first 2 policy years.

Flexible options such as top-ups, partial withdrawals, premium holiday, fund switching, and fund rebalancing are also offered in this ILP.

You can also add on optional riders to further protect yourself and your loved ones, such as the Critical Protector Waiver of Premium and Payor Benefits.


  • Extra 5% of Premiums after Minimum Investment Period (12 years)
  • Choose from 4 premium payment frequencies – Yearly, Half-yearly, Quarterly, Monthly
  • Minimum Investment of S$200 monthly
  • Top-ups available
  • Partial withdrawals available
  • Optional riders available
  • Coverage against death and accidental death
  • Choose from 3 portfolio types – Pro Adventurous, Pro Balanced or Pro Cautious
  • Issue age: 0-70 years old


Check out our in-depth review of the AIA Pro Achiever ILP for more information.

AIA Invest Easy

AIA Invest Easy

The AIA Invest Easy is an invest and forget policy. All you need to do is pay your premiums; the fund managers will manage every other investing aspect.

This is possible with an investment of $12,000 through cash, Supplementary Retirement Scheme (SRS), CPF Ordinary Account (CPF-OA), or CPF Special Account (CPF – SA).

After that, just choose your preferred investment fund or portfolio and let the fund managers handle the rest. Should you invest in a dividend-paying fund, you are able to collect regular income from it.

Enjoy low fees with AIA Invest Easy, where there are no policy fees each month and no sales charge if paid with your CPF-OA/CPF-SA. A low 3% sales charge is incurred if your premiums are paid by cash or SRS.

The plan is backed up by flexible top-up, cash out, and portfolio management. To add on, there is automatic fund switching and rebalancing if that is not enough.

The plan also keeps your family secure by providing 110% of premium + top-ups – withdrawals in the first policy year. Afterwhich, 100% of the policy value is paid out upon the death of the insured.


  • Investment Amount of S$12,000
  • Zero monthly policy fees
  • Zero to a low sales charge
  • Top-ups available
  • Cash-out available
  • Automatic fund switching/rebalancing available
  • Coverage against death
  • Issue age: 1. Cash Premium (0-70 years old), 2. SRS Premium (18-70 years old), 3. CPF Premium (18-61 years old).
  • No medical underwriting needed


Source: https://www.aia.com.sg/en/our-products/investments/aia-invest-easy.html

AIA Platinum Pro Secure

AIA Platinum Pro Secure: Obsolete

This Platinum Pro Secure is for those who want to experience their investments grow alongside with them.

The premium structure is but in such a way that you will invest for 20 years at max. Besides watching your investments grow, you can also expect to receive bonus units from AIA to further help increase your returns. These bonus units will be deposited into your bonus account.

Similar to most AIA policies, you will get to select 1 of 3 different portfolio types built by investment experts from Mercer Investment to match your risk appetite. Likewise, the portfolios you can pick from are Pro Adventurous, Pro Balanced, or Pro Cautious, which helps to simplify the investment portion for you.

For the first 15 policy years, you can expect to receive guaranteed coverage so long as you pay your premium payments on time and do not perform any withdrawals.

You can further enhance your plan by adding optional options, such as the Step Up Critical Protector and AIA Vitality. You can also choose to add on a disability coverage to your plan as well.

By taking on the Step Up Critical Protector, you can improve your coverage for certain critical illnesses.

With the AIA Vitality option, you can receive PowerUp Dollars for taking on a healthy lifestyle, which can be exchanged for added coverage. If you have not made any claims before and on the 30th policy year, these dollars can be cashed out then.

Upon the death of the insured, expect the net premium amount (Total Premiums + Top-ups – Withdrawal) or the policy value (including bonus units) to be paid out after deducting any fees owing to AIA.


  • Premium payment term of 20 years
  • Top-ups available
  • Cash-out available
  • Optional riders available
  • AIA Vitality (Wellness Programme with rewards)
  • Coverage against death and optionally disability
  • Choose from 3 portfolio types – Pro Adventurous, Pro Balanced or Pro Cautious
  • Issue age: 0-60 years old



Yes, AIA offers a wide range of investment plans for you to choose from. The products listed are summaries of each plan, and each feature comes with its own terms and conditions.

Despite the fact that some plans look quite appealing, not every plan is suitable for you, and not every plan is as attractive as it seems. Before you purchase financial plans, it is always advisable that you do your thorough research.

Our best investment plans in Singapore guide is a great place to start at.

If you’re still unsure of what you should be getting for yourself, always engage a trusted financial advisor. It makes sure your needs and wants are taken into account, and you get recommendations based on what you need.

Disclaimer: Each article written obtained its information from reliable sources and should be purely used for informational purposes only. The information provided by Dollar Bureau and its affiliated parties is not meant to be construed as financial advice. Dollar Bureau shall not be held liable for any inaccuracies, mistakes, omissions, and losses incurred should you act upon any information listed on this website. We recommend readers to seek financial planning advice from qualified financial advisors. 

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