# AIA Platinum Retirement
  Elite

**Insurer:** AIA Singapore (AIA Singapore Private Limited)
**MAS licence:** —
**Insurer product page:** https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_PRE_Jul2025.pdf

## Source wording

- **Effective from:** 2025-07-01
- **Ingested:** 2026-06-05
- **PDF source:** https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_PRE_Jul2025.pdf
- **PDF sha256:** `ab73f3fecb51e15e8dfaa265131bd9c8ab3f36be868336d37b52193b84abc624`
- **Extraction confidence:** verified

## Extracted facts

### free look

```json
{
  "period_days": 14,
  "source_page": 6,
  "refund_basis": "the insurer will refund you the premiums you have paid without interest, in accordance with the insurer's prevailing premium refund formula and after making the necessary adjustments on the following: (i) any change in the market value of the underlying assets of the fund chosen by you as at the valuation day immediately following the date of our receipt of your request; and (ii) less any medical fees and other expenses, such as payments for medical check-ups and medical reports incurred by the insurer."
}
```

### exclusions

```json
[
  {
    "text": "if the Insured, whether sane or insane, commits suicide within one year from the issue date or reinstatement date of the policy, whichever is later",
    "source_page": 6
  },
  {
    "text": "any material misrepresentation or concealment during the 2-year period beginning from the issue date or reinstatement date of the policy, whichever is later",
    "source_page": 6
  },
  {
    "text": "fraud at any time",
    "source_page": 6
  },
  {
    "text": "any Terminal Illness the symptoms of which first occurred prior to the issue date or reinstatement date of your Policy, whichever is later, or for which the diagnosis of Terminal Illness was made within 30 days following the issue date or reinstatement date of your Policy, whichever is later.",
    "source_page": 6
  },
  {
    "text": "Terminal Illness in the presence of HIV infection is excluded.",
    "source_page": 1
  },
  {
    "text": "where, in our opinion, the Terminal Illness was directly or indirectly due to Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV).",
    "source_page": 6
  },
  {
    "text": "Accidental Death Benefit: war (whether declared or, undeclared or otherwise), invasion, civil war, revolution or any warlike operations",
    "source_page": 6
  },
  {
    "text": "Accidental Death Benefit: violation or attempted violation of the law or resistance to arrest",
    "source_page": 6
  },
  {
    "text": "Accidental Death Benefit: suicide or attempted suicide, intentional self-injury or exposure to exceptional danger (except in an attempt to save human life)",
    "source_page": 6
  },
  {
    "text": "Accidental Death Benefit: childbirth, pregnancy or miscarriage or any complications concerning therewith notwithstanding that such event may have been accelerated or induced by Injury, and/or any treatment arising from any such event therefrom",
    "source_page": 6
  },
  {
    "text": "Accidental Death Benefit: treatment of alcoholism, drug abuse or any other complications arising there-from, or Accidents caused by or whilst under the influence of drugs or alcohol or drug overdose (whether intentional, accidental or otherwise)",
    "source_page": 6
  },
  {
    "text": "Accidental Death Benefit: engaging in air travel (except as a fare-paying passenger in any properly licensed private and/or commercial aircraft, or as a crew member in a properly licensed commercial aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route)",
    "source_page": 6
  },
  {
    "text": "Accidental Death Benefit: engaging in a sport in a professional capacity or where the Insured would or could earn income or remuneration from engaging in such sport",
    "source_page": 6
  },
  {
    "text": "Accidental Death Benefit: engaging in racing of all kinds (other than on foot and swimming)",
    "source_page": 6
  },
  {
    "text": "Accidental Death Benefit: engaging or taking part in air, military, naval training, exercises, manoeuvres, warlike operations or handling of explosives and demolition materials or while under orders for restoration of public order, whether in time of peace, declared, undeclared war or otherwise, except where operationally ready national service duties are carried out in Singapore or overseas (if applicable) pursuant to the Enlistment Act 1970.",
    "source_page": 6
  }
]
```

### cash values

```json
{
  "has_cash_value": true,
  "non_guaranteed_bonus": {
    "text": "While the policy is inforce and provided all the premiums are paid, we will pay a Power-up Bonus from the end of tenth policy year and at the end of every fifth policy year thereafter. The Power-up Bonus will be added to the policy in the form of additional units. Single Premium: 2.5% of Single Premium x Adjustment Factor. Regular Premium: 12.5% of Annual Premium x Adjustment Factor.",
    "available": true,
    "bonus_types": [
      "other"
    ],
    "source_page": 1
  },
  "guaranteed_surrender_value": {
    "basis": "Surrender value is the policy value less full surrender charge; policy value is not guaranteed as it is subject to the performance of the ILP sub-funds.",
    "available": false,
    "source_page": 5
  }
}
```

### grace period

```json
{}
```

### product type

```json
"investment-linked"
```

### policy basics

```json
{
  "maximum_entry_age": {
    "basis": "as-stated",
    "years": 75,
    "source_page": 1
  },
  "minimum_entry_age": {
    "basis": "as-stated",
    "years": 0,
    "source_page": 1
  }
}
```

### premium terms

```json
{
  "cpf_eligible": {
    "srs": true,
    "notes": "Supplementary Retirement Scheme (SRS) is available but only allowed for single premium S$ currency.",
    "source_page": 1,
    "special_account": false,
    "ordinary_account": false
  },
  "payment_modes": [
    "single",
    "annual",
    "semi-annual",
    "quarterly",
    "monthly"
  ],
  "minimum_premium": {
    "amount": 522,
    "currency": "SGD",
    "source_page": 5
  },
  "premium_term_options": [
    {
      "label": "Single Pay",
      "description": "You may choose to pay your premium in single pay or regular pay for 5 years.",
      "source_page": 1
    },
    {
      "label": "Regular Pay (5-year)",
      "description": "You may choose to pay your premium in single pay or regular pay for 5 years.",
      "source_page": 1
    }
  ],
  "premium_review_clause": {
    "reviewable": false
  }
}
```

### reinstatement

```json
{
  "conditions": "Unless your Policy has been terminated as described in paragraphs (i), (ii), (iii), or (vi) of section 7.5, the policy may be reinstated within 5 years from the date that the policy is lapsed, subject to satisfaction of our terms and conditions. For reinstatement, you are required to back-pay all outstanding past regular premiums that were due.",
  "source_page": 6,
  "window_years": 5
}
```

### non forfeiture

```json
{
  "paid_up": {
    "text": "Not described in the product summary.",
    "available": false
  },
  "source_page": 6,
  "extended_term": {
    "text": "Not described in the product summary.",
    "available": false
  },
  "automatic_premium_loan": {
    "text": "Not described in the product summary.",
    "available": false
  }
}
```

### suicide clause

```json
{
  "source_page": 6,
  "payout_within_period": "Our liability under the policy shall be limited to 100% of the policy value in case of the following: (i) if the Insured, whether sane or insane, commits suicide within one year from the issue date or reinstatement date of the policy, whichever is later",
  "exclusion_period_months": 12
}
```

### document metadata

```json
{
  "wording_version": "Version 3.0",
  "product_full_name": "AIA Platinum Retirement Elite",
  "insurer_legal_entity": "AIA Singapore Private Limited (Reg. No. 201106386R)"
}
```

### terminal illness benefit

```json
{
  "available": true,
  "source_page": 1,
  "acceleration_percent": 100,
  "qualifying_definition": "any condition caused by illness or injury, where at the time of claim, despite all reasonable medical treatment, the Insured is expected to live for no more than 12 months."
}
```

---

*This summary reflects the policy wording as ingested on 2026-06-05. For current terms, always verify against the source PDF or contact the insurer.*