{
  "generated_at": "2026-06-05T12:32:40.774Z",
  "site_base": "https://lifeinsurance.com.sg",
  "insurer": {
    "slug": "aia",
    "name": "AIA Singapore",
    "legal_entity": "AIA Singapore Private Limited",
    "mas_license_type": null,
    "mas_fi_directory_url": null
  },
  "product": {
    "slug": "guaranteed-protect-plus-iv",
    "name": "AIA Guaranteed Protect \n  Plus (IV)",
    "status": "active",
    "positioning_summary": null,
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_GPP(IV)_Jul%202025.pdf"
  },
  "wording": {
    "wording_version": "2026-06-05",
    "effective_from": null,
    "ingested_at": "2026-06-05T11:56:25.204289+00:00",
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_GPP(IV)_Jul%202025.pdf",
    "pdf_hash": "8afde0cb3cdecd6e06f8b37445e97d938fced87259b323250d22483203fa1437",
    "page_count": null
  },
  "facts": {
    "free_look": {
      "period_days": 14,
      "source_page": 11,
      "refund_basis": "the insurer will refund you the premiums you have paid, less any medical fees and other expenses, such as payments for medical check-ups and medical reports, incurred by the insurer."
    },
    "exclusions": [
      {
        "text": "If the Insured commits suicide within one year from the policy issue date or date of reinstatement, whichever is later, our liability will be limited to a return of premiums paid without interest.",
        "source_page": 6
      },
      {
        "text": "TPD Benefit exclusion: Any disability caused directly or indirectly, wholly or partly, by any of the following occurrences: (a) deliberate acts that endanger oneself, whether sane or insane, including any of the following: (i) while in violation or attempted violation of the law or resistance to arrest; or (ii) suicide or attempted suicide, intentional self-injury, or exposure to exceptional danger (except in an attempt to save human life);",
        "source_page": 6
      },
      {
        "text": "TPD Benefit exclusion: (b) engaging in or taking part in air, military or naval service in time of declared or undeclared war or while under order for warlike operations or restoration of public order; or",
        "source_page": 6
      },
      {
        "text": "TPD Benefit exclusion: (c) entering, operating, or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance (except where the Insured is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route or by the Republic of Singapore Air Force).",
        "source_page": 6
      },
      {
        "text": "If death occurs within the first 13 days of the Insured's date of birth, the total amount payable under the policy is limited to 20% of the Minimum Death Benefit.",
        "source_page": 1
      }
    ],
    "cash_values": {
      "has_cash_value": true,
      "non_guaranteed_bonus": {
        "text": "The RB is a discretionary bonus that we may credit to your policy on an annual basis depending on the experience of the participating fund. The TB is a non-guaranteed, discretionary bonus that may be payable on claim, maturity or surrender. Future bonuses (including annual and terminal bonuses) are not guaranteed and are adjusted depending on the experience of the Participating Fund. This includes, the past, prevailing and projected future investment returns and other experience factors. In particular, investment returns can be volatile and we may vary bonuses from time to time. As such, the actual bonuses credited in a particular year could differ from previous projections or illustrations. In times of substantial decline in investment returns, we may reduce bonuses significantly. Conversely, in times of substantial increases in investment returns, we may increase bonuses to higher than those originally projected at the time of purchase of your policy.",
        "available": true,
        "bonus_types": [
          "reversionary",
          "terminal"
        ],
        "source_page": 5
      },
      "guaranteed_surrender_value": {
        "basis": "Cash value is only available to the GPP (IV) Accumulator component. Policy may be surrendered for its cash value; surrender value of accumulated Reversionary Bonus is only a proportion of the accumulated RB.",
        "available": true,
        "source_page": 5
      }
    },
    "policy_loan": {
      "available": true,
      "source_page": 3,
      "interest_basis": "Interest-free loan granted equal to outstanding Deferred Premium Amount during Interest-free Repayment Period (12 months); thereafter outstanding amount becomes Automatic Policy Loan and starts to accrue interest at a rate not specified in this document."
    },
    "product_type": "whole-life",
    "policy_basics": {
      "maximum_coverage_age": {
        "basis": "age-next-birthday",
        "years": 100,
        "source_page": 5
      },
      "maximum_policy_term_years": "25 (corresponding to 25-pay premium term)",
      "minimum_policy_term_years": "15 (corresponding to 15-pay premium term)"
    },
    "premium_terms": {
      "premium_term_options": [
        {
          "label": "15-pay",
          "description": "You may choose to pay premiums over 15 years.",
          "source_page": 1
        },
        {
          "label": "20-pay",
          "description": "You may choose to pay premiums over 20 years.",
          "source_page": 1
        },
        {
          "label": "25-pay",
          "description": "You may choose to pay premiums over 25 years.",
          "source_page": 1
        }
      ],
      "premium_review_clause": {
        "text": "The premium rates are guaranteed.",
        "reviewable": false,
        "source_page": 10
      }
    },
    "non_forfeiture": {
      "paid_up": {
        "text": "Coverage under the GPP (IV) Booster component shall automatically terminate if your basic policy is converted to reduced paid-up insurance or extended term insurance.",
        "available": true
      },
      "source_page": 7,
      "extended_term": {
        "text": "Coverage under the GPP (IV) Booster component shall automatically terminate if your basic policy is converted to reduced paid-up insurance or extended term insurance.",
        "available": true
      },
      "automatic_premium_loan": {
        "text": "Your basic policy shall automatically terminate if any premium for your basic policy remains unpaid at the end of the grace period (except if Premium Pass Option is exercised) and there is insufficient guaranteed cash value under your basic policy to grant an automatic policy loan to pay the outstanding premium.",
        "available": true
      }
    },
    "suicide_clause": {
      "source_page": 6,
      "payout_within_period": "If the Insured commits suicide within one year from the policy issue date or date of reinstatement, whichever is later, our liability will be limited to a return of premiums paid without interest.",
      "exclusion_period_months": 12
    },
    "document_metadata": {
      "wording_version": "Ver. 4.0",
      "product_full_name": "AIA Guaranteed Protect Plus (IV)",
      "insurer_legal_entity": "AIA Singapore Private Limited (Reg.No.201106386R)"
    }
  },
  "confidence_tier": "verified"
}