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A-lnvestLink

Prepared by: AIA Premier Academy

Rev04 dated 25/2/2015

AIA confidential and proprietary information. Not for distribution.


DISCLAIMER

For internal staff and agent training only. This


document is not a sales material and cannot be
used for circulation to prospects. It serves only as
a training guide to the agent in the selling concept
of the products mentioned. In the actual selling
process, the customer’s needs, affordability and
preference must be considered to deliver fair
value to the customer. The detailed product
benefits and cost must be explained to help
customers make informed decisions. Only AIA
authorized sales materials are to be used when
prospecting.

AIA confidential and proprietary information. Not for distribution. 1 Rev04 dated 25/02/2015
Wide Range of Products at One Glance
AIA’s Products

Protection Health Savings Investment-Linked

A-LifeSecure A-Life Med Regular A-EnrichMax A-LifeLink


A-LifeTime Secure A-Life CriticalCare A-Enrich20 A-EduAchieve
A-Life ProtectTerm A-Life Critical Sheild A-Plus Enrich20 A-InvestLink
A-LifeLink A-Plus CriticalCare A-Plus Med
A-Plus AccidentShield A-Plus HospitalIncome A-Plus CriticalCare
A-Plus Total AccidentShield A-Plus Early CriticalCare
A-Plus Waiver A-Plus Multi CriticalCare
A-Plus Payor A-Plus AccidentShield
A-Plus PayorCI A-Plus Total AccidentShield
A-Plus HospitalIncome Extra
A-Plus WaiverExtra
A-Plus PayorExtra
AIA confidential and proprietary information. Not for distribution. 2 Rev04 dated 25/02/2015
Topics Covered

1. Introduction

2. Why A-InvestLink?

3. Unique Selling Proposition


and Product Features

4. Underwriting Guidelines &


POS

5. Target Customers

6. Automatic Fund Rebalancing


Option

7. Exclusion

8. Launch Date

AIA confidential and proprietary information. Not for distribution. 3 Rev04 dated 25/02/2015
Investment-linked Plan in
AIA

Single Premium Regular Premium

A-InvestLink • A-LifeLink
• A-EduAchieve

AIA confidential and proprietary information. Not for distribution. 4 Rev04 dated 25/02/2015
01 Introduction

AIA confidential and proprietary information. Not for distribution. 5 Rev04 dated 25/02/2015
Single Premium Investment-Linked Plan - A-InvestLink

BROADEN YOUR INVESTMENT OPPORTUNITIES


Invest, diversify and get protected

AIA confidential and proprietary information. Not for distribution. 6 Rev04 dated 25/02/2015
Where should you invest your money?

Diversify your investment in:

1. Property 2. Savings in Bank 3. Bonds

4. Stock Market 5. A-InvestLink

Investment
+
Insurance

AIA confidential and proprietary information. Not for distribution. 7 Rev04 dated 25/02/2015
02 Why A-InvestLink?

AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
Why A-InvestLink?

 Maximise the potential return on your investments.

 0% exit charge.

 Potentially higher investment returns*.

 Investment opportunity both locally and globally

 Ensure that you’re constantly protected while giving you


control over your investments.

 Automatic rebalancing of your funds.

*Any investment carries with it certain level of investment risk


which will be borne solely by the policyowner".

AIA confidential and proprietary information. Not for distribution. 9 Rev04 dated 25/02/2015
03 Unique Selling Proposition
and Product Features

AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
Investment-Linked Plan
A-InvestLink - USP

Investment and Flexibility


Protection in
ONE Plan

Worry-free
Various Choice
investment
of Funds
monitoring

Boost investment
value by
investing more

AIA confidential and proprietary information. Not for distribution. 11 Rev04 dated 25/02/2015
Investment and Protection in ONE Plan

• Minimum Single Premium of RM8,000 to start


• A-Plus Saver as low as RM25 per month
• Ad hoc top-up of RM500

• Death benefit : Higher of 125% of Single Premium plus


100% top-up* less partial withdrawal
or Account Value up to 100 years old

• Total and Permanent Disability (TPD) benefit: Higher of 125%


of Single Premium plus 100% top-up* less partial withdrawal
or Account Value up to 70 years old
*including ad hoc top-up and A-Plus Saver
AIA confidential and proprietary information. Not for distribution. 12 Rev04 dated 25/02/2015
Flexibility in managing Investment Fund –
Top-up & Funds

Minimum of RM500
Ad hoc top-up

As low as RM25 monthly


A-Plus Saver

AIA Balanced Fund AIA Asia Platinum Fund

AIA Equity Plus Fund AIA International Small Cap Fund

AIA Fixed Income Fund AIA Eleven Plus Fund


Variety of funds AIA Dana Progresif AIA Dana Bon

AIA Medium Cap Fund AIA Asia Opportunity Fund

AIA Aggressive Fund AIA Equity Dividend Fund

AIA Dana Dinamik AIA Asian Debt Fund

AIA New Horizon Fund AIA Asian Equity Fund

AIA International High Dividend Fund

AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
Flexibility in managing Investment Fund –
Withdrawal and Switching

• Submit application form for


Partial Withdrawal
• Minimum withdrawal is RM1,000
and remaining balance must be
RM5,000

• Submit application form for Fund


Switching
• Minimum switch amount is RM50
• FREE!*
NOTE : Switching is not allowed for AIA
Asian Debt Fund, AIA Asian Equity Fund and
AIA International High Dividend Fund.

*AIA Bhd. reserves the right to revise the Fund Switching Fee
AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
Worry-free investment monitoring -
Automatic Fund Rebalancing

• Removes the need of constantly monitoring

• Switches from the fund that is appreciating


to the fund that is lagging on a quarterly basis

• And it’s free!*

The Automatic Fund Rebalancing will be terminated


automatically upon the earlier of the following event :

(i) Withdrawal of Account Value is made;


(ii) Fund Switching is made;
(iii) Policy owner specifies a different fund allocation
for A-Plus Saver and Top-up premium;
(iv) Request by the customer
*AIA Bhd. reserves the right to revise the Fund Switching Fee

AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
Example of Automatic Fund Rebalancing (AFR)

January 2014:
Customer start off with an original fund allocation as below:
70% Equity Plus Fund, 30% Fixed Income Fund

April 2014:
If the Equity Plus Fund (NAV) appreciates to 80% over 3 months, the
AFR features will kicks in to rebalance the fund back to 70% Equity
Plus Fund and 30% Fixed Income Fund by switching units from Equity
Plus Fund to Fixed Income Fund.

AIA confidential and proprietary information. Not for distribution. 16 Rev04 dated 25/02/2015
Example of AFR

Initial NAV Equity Plus Auto Fund Fund Switch


allocation NAV Rebalancing
appreciates kicks in by:
RM70k Equity RM120k Switching RM105k
Plus Fund Equity Plus RM15k* from Equity Plus
Fund Equity Plus Fund
(80%) Fund to Fixed (70%)
(70%)
Income Fund
RM30k Fixed RM30k Fixed RM45k Fixed
Income Fund Income Fund Income Fund
(30%) (20%) (30%)

*Switch Amount = 10%*150,000 = 15,000

AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
Automatic Fund Rebalancing (AFR) condition

- Must have at least 2 funds - Policy owner is allowed to change


investment allocation at POS.
- Policy with A-Plus Saver must
have same fund allocation and - The policy owner is allowed to re-
same investment allocation as apply after AFR termination
single premium. caused by fund switching.

- Any future top-ups are required to - Minimum switch is RM50 or 1 % of


have the same fund as the single account value, whichever is higher
premium.

AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
Investment allocation

• 95% - Single Premium < RM50,000


• 95.5% - Single Premium => RM50,000
Premium Allocation

• 95% - Ad hoc top-up < RM50,000


Ad hoc Top-up*
• 95.5% - Ad hoc top-up => RM50,000

• 95% - A-Plus Saver premium


A-Plus Saver

Boost investment value by investing more

*refers to subsequent ad hoc top-up


AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
Summary of product features – A-InvestLink,
A-LifeLink and A-EduAchieve
A-InvestLink, A-LifeLink (ALL) and A-EduAchieve (AEA) come with
two accounts, i.e. Protection Account and Savings Account.

A-InvestLink / ALL / AEA

Protection Account Savings Account

Regular Premium / Single Premium


A-Plus Saver Premium
Ad hoc Top-up Premium

*In the event that the Protection


Account is insufficient to pay for
the COI and Monthly service
charge, Savings Account can be
used to pay for it, if consent is
AIA confidential and proprietary information. Not for distribution.
given in the application Rev04 dated 25/02/2015
20
04 Underwriting Guidelines &
Policy Servicing

AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
Product features: A-InvestLink

A-InvestLink
Plan Single Premium
Entry Age 14 days to 70 years old ( 65 years old for TPD)

Minimum Single RM8,000


Premium
Basic Sum Assured 125% of single premium
(BSA)
Death Benefit / TPD The higher of:
Benefit i) BSA + 100% Top Up* – partial withdrawal; or
ii) Account Value
Policy Fee RM106 (inclusive of Goods and Services Tax of RM 6)
Top-Up Charge 5% for Top-Up premium < RM50,000
4.5% for Top-Up premium ≥ RM50,000
5% for A-Plus Saver premium
Ad Hoc Top-Up Min RM500
A-Plus Saver Top-Up Min RM25 monthly or RM300 p.a.
*including ad hoc top-up and A-Plus Saver
AIA confidential and proprietary information. Not for distribution. 22 Rev04 dated 25/02/2015
Product features: A-InvestLink

A-InvestLink
Partial Withdrawal Min RM1,000
Min account value balance RM5,000
Monthly Service Charge Nil
Cost of Insurance (COI) Sufficient number of units at the Bid Price to be
deducted monthly from the policy. COI rate is
calculated based on the sum at risk, i.e. 125% Single
Premium + any Top-up (including ad hoc top-up and
A-Plus Saver) – any Partial Withdrawal – Account
Value
Fund Switching Charge Free

Surrender Charge N/A


Automatic Fund Free
Rebalancing Charge (AFR)

Note: The Company reserves the right to revise the switching fee and AFR charge by giving 3 months
prior written notice.
AIA confidential and proprietary information. Not for distribution. 23 Rev04 dated 25/02/2015
Product Features Comparison

Features ExcelLink Plus ING Prime Capital A-InvestLink


Insurance
Minimum SP RM10,000 RM4,000 RM8,000

Premium Allocation  95% for SP+ Ad hoc 95% • 95% - SP < RM50,000
top-up+ Regular top-
up < RM50,000 • 95.5% - SP ≥ RM50,000
 95.5% for SP+ Ad hoc  95% - Ad hoc top-up
top-up+ Regular top- < RM50,000
up ≥ RM50,000  95.5% - Ad hoc top-up
≥ RM50,000
• 95% - A-Plus Saver

Minimum Regular RM300 RM1,200  Annual RM300


Top Up  Semi Annual RM150
 Quarterly RM75
 Monthly RM25

AIA confidential and proprietary information. Not for distribution. 24 Rev04 dated 25/02/2015
Product Features Comparison

Features ExcelLink Plus ING Prime Capital A-InvestLink


Insurance
Auto Fund Rebalancing Yes N/A Facility which allows an
automatic rebalancing of
the funds based on the
fund allocation, which
customer has selected
Switching Fee 4 free switches per policy 2 free switches per year, Free unlimited switching
year. RM25 is charged any subsequent switches
for every subsequent will be charged RM50
switch made per policy per swithcing
year (subject to a
maximum of RM50)
Auto Fund Re-balacing RM6 every quarter N/A Free
charge
TPD coverage 60 years old 65 years old 70 years old

Funds 14 funds 8 funds 17 funds

AIA confidential and proprietary information. Not for distribution. 25 Rev04 dated 25/02/2015
05 Target Market

AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
Target Market

Who are your prospects?


Suitable for customers who are looking for investment
plan with minimal insurance coverage

AIA confidential and proprietary information. Not for distribution. 27 Rev04 dated 25/02/2015
06 Automatic Fund
Rebalancing option

AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
For iPOS, please tick For manual submission, please
at section C2, no. 4 submit the amendment form

Kindly write :
‘I would like to opt for
Automatic Fund Rebalancing’

Adobe Acrobat
Document

AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
07 Exclusion

AIA confidential and proprietary information. Not for distribution. Rev04 dated 25/02/2015
Major Exclusions

Death Benefit
• Death caused by suicide within 1 year from the issue date or
commencement date, whichever is later.

Disability Benefit
• Attempted self-destruction or self-inflicted injuries while sane or insane.
• Service in any armed forces or public order restoration.
• Activities connected to any aerial device or conveyance except as a
passenger on a commercial airline on an established passenger route.
• Congenital defect which has manifested or diagnosed before 17 years
old.
• Pre-existing disability resulting from a physical or mental condition.

This list is not exhaustive. Please refer policy contract for full details.

AIA confidential and proprietary information. Not for distribution. 31 Rev04 dated 25/02/2015
Launch Date

Launch Date

27th January 2014

AIA confidential and proprietary information. Not for distribution. 32 Rev04 dated 25/02/2015
Thank You!

AIA confidential and proprietary information. Not for distribution.