AIA Pro Lifetime Protector (II)

Get long-term protection and returns

Get free additional coverage and/or premium discounts with AIA Vitality

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AIA Pro Lifetime Protector (II)

Get a protection and investment plan shaped to your family's needs, with coverage against death, disability and multi-stage critical illnesses.

Currency

S$

Period

Whole Life

AIA Vitality member exclusive

Up to 15% free additional coverage

Benefits for you

All-round protection

​​​Enjoy comprehensive, customised protection with optional riders from as low as S$7 a day.​​

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Increase coverage at key milestones

Increase your basic coverage by up to S$200,000 without medical underwriting during key life milestones.

Guaranteed protection

Enjoy undisrupted protection in the first 10 years of your policy no matter how your investments perform.

Ready cash

​Get access to cash should the need arise after the 2nd year, without any charges.

Optimise your wealth for growth

​​​100% and 102% of your premiums are invested from the 5th and 10th policy year onwards respectively.​​

Expert investment guidance

​​​Enjoy exclusive access to guided portfolios that cater to your unique needs.

Learn more

More info

Total Disability Accelerator (II) rider
Receive up to 100% of basic coverage amount should total and permanent disability strike.
 
Total Critical Accelerator rider (II)
Receive your coverage amount from your basic policy should you suffer from any of the covered 73 major critical illnesses (up to age 100).
 
Lifetime Critical Cover rider
Be safeguarded against 150 multi-stage critical illnesses (up to age 100) with a power reset feature for multiple claims up to 300% of your coverage amount, and 15 special conditions.
 
Relapse Benefit rider
Add this to Lifetime Critical Cover rider and be protected if you suffer from any of the 5 relapsed critical illnesses.
 
Click here for more optional riders to supplement your coverage.

Enjoy exclusive access to 3 Guided Portfolios: Pro Adventurous, Pro Balanced, and Pro Cautious. Built on Mercer's insights, each portfolio suits varying risk appetites, investment horizons, and targeted returns.

Join AIA Vitality and enjoy an instant 10% free coverage and/or a 10% premium discount

Add AIA Vitality to AIA Pro Lifetime Protector II and enjoy 10% additional coverage and 10% premium discount for selected riders for the first year. Keep up a healthy lifestyle and get up to 15% additional coverage and up to 15% premium discount for selected riders as you improve your AIA Vitality status. 
 
On top of that, you can enjoy exciting benefits like weekly rewards and discount on gym memberships, fitness devices, movie tickets and more. 
 
Click here to read more on AIA Vitality. 

Guaranteed peace of mind for every eventuality

Bolster your lifetime protection for yourself and/or your little one, with more optional riders.

 
Early Critical Protector Waiver of Premium (II) & Critical Protector Waiver of Premium (II)
Eligible future premiums of your AIA Pro Lifetime Protector (II) and eligible riders (if any) will be waived till the end of your rider term, upon diagnosis of any of the covered:
 
  • 149 early, intermediate or major stage critical illnesses with Early Critical Protector Waiver of Premium (II) rider, or
  • 72 major critical illnesses with Critical Protector Waiver of Premium (II) rider.

 
Child Critical Cover
Your child receives protection against 25 child medical conditions until age 21, after which you have the option to convert it into a lifelong plan that will give him/her guaranteed coverage through adulthood.
 
Early Critical Protector Payor Benefit (II) & Payor Benefit Comprehensive Special (II)
Eligible future premiums of your child's AIA Pro Lifetime Protector (II) and eligible riders (if any) will be waived up to his/her 25th birthday, upon diagnosis of any of the covered:
 
  • 149 early, intermediate or major stage critical illnesses, total and permanent disability or upon your passing with Early Critical Protector Payor Benefit (II) rider, or
  • 72 major critical illnesses, total and permanent disability or upon your passing with Payor Benefit Comprehensive Special (II) rider.

One-stop protection and investment solution to stay on top of your changing needs

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More ways to keep you protected

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Terms & conditions

  • Coverage for Total Disability Accelerator (II) will end at age 70.
  • Lifetime Critical Cover rider will terminate upon payment of 300% of the coverage amount.
  • For the list of covered conditions, please refer to the respective product summaries.
  • The power reset feature will restore the coverage amount to 100% if the Lifetime Critical Cover rider is still in force for 12 months after the date of latest diagnosed critical illness or the relapsed critical illness (if Relapse Benefit rider was selected) where a claim on that critical illness has been filed and admitted by us.
  • Coverage for special conditions is up to age 85.
  • Premium of $7 is based on a 30-year-old male, non-smoker, purchases AIA Pro Lifetime Protector (II) - Max with Total Disability Accelerator (II) and Lifetime Critical Cover rider alongside the optional Relapse Benefit with a coverage amount of S$100,000 and selected Pro Balanced Portfolio.
  • Your policy and any unit-deducting riders will not lapse for the first 10 years regardless of investment performance, as long as all regular premiums are fully paid and no withdrawals have been made.
  • The actual policy value will depend on the actual performance of the policy as well as any alterations such as variation in the coverage amount or premium, such as premium holiday or partial withdrawals. There is a possibility that the policy value will fall to zero and in this case, policyholder can avoid the policy lapsing by topping up additional premium.
  • Mercer advises AIA on the strategic asset allocation for the 3 portfolios. Investors of these portfolios are clients of AIA, not Mercer.
  • The additional insurance coverage (known as PowerUp Dollar) and premium discount may increase or decrease from the second policy year depending on the AIA Vitality status attained before each policy anniversary. Premium discount on selected add-ons, cap at 15%, is only applicable to premiums based on a standard life. It is not applicable to any extra premiums due to loading.

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 is not a contract of insurance. The precise terms and conditions of this plan, including exclusions such as pre-existing conditions whereby the benefits under your policy may not be paid out, are specified in the policy contract. Any claim or benefit payable is subject to deduction of any amounts owing to us. You are advised to read the policy contract for details and the definition of all covered conditions. 
 
AIA Pro Lifetime Protector (II) is an Investment-linked Plan (ILP) offered by AIA, which invests in ILP sub-fund(s). Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s).
 
You should seek advice from an AIA Consultant / Insurance Representative and read the product summary and product highlights sheet(s) before deciding whether the product is suitable for you. A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your AIA Consultant or/ Insurance Representative. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s).
 
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. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.
 
This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy 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 contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
 
This advertisement has not been reviewed by the Monetary Authority of Singapore.
 
Information is correct as at 11 August 2025.