{
  "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": "pro-achiever-3",
    "name": "AIA Pro Achiever 3.0",
    "status": "active",
    "positioning_summary": null,
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_APA3.0_Oct2024.pdf"
  },
  "wording": {
    "wording_version": "2024-10-01",
    "effective_from": "2024-10-01",
    "ingested_at": "2026-06-05T12:01:31.082115+00:00",
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_APA3.0_Oct2024.pdf",
    "pdf_hash": "1fef13332046298ddf295fd612cfc816c282fea8de87317034d727243d19c6ac",
    "page_count": null
  },
  "facts": {
    "riders": [
      {
        "name": "Secondary Insured Option",
        "rider_type": "other",
        "description": "During the term of the policy, a Secondary Insured can be appointed to ensure the continuity of the policy upon death of the Insured. The Secondary Insured will become the new Insured of the basic policy and the policy continues upon the death of the Insured.",
        "source_page": 3,
        "available_at_inception": true,
        "available_after_inception": true
      }
    ],
    "exclusions": [
      {
        "text": "If a Secondary Insured was appointed before the death of the Insured, death benefit will not be paid on the death of the Insured.",
        "source_page": 1
      },
      {
        "text": "If a Secondary Insured was appointed before the death of the Insured, accidental death benefit will not be payable.",
        "source_page": 2
      },
      {
        "text": "Accidental Death Benefit: If the Insured dies due to an injury within 90 days from the date of the accident that occurs within 2 policy years from the issue date of your policy.",
        "source_page": 2
      },
      {
        "text": "No reduction in the amount of regular premium shall be allowed until the 4th annual / 8th semi-annual / 16th quarterly / 48th monthly regular premium has been paid.",
        "source_page": 11
      },
      {
        "text": "Increase in regular premium amount is not allowed.",
        "source_page": 11
      },
      {
        "text": "Premium paid in advance will not be accepted. Back payments of regular premium are not allowed.",
        "source_page": 4
      },
      {
        "text": "During the IIP: any dividend payouts from any funds that include the option for you to accept dividend payments will be automatically reinvested into the policy.",
        "source_page": 1
      }
    ],
    "mwpa_trust": {
      "notes": "If you wish to make a nomination of beneficiary or create a trust under this policy, you must first revoke the appointment of the Secondary Insured. Secondary Insured cannot be appointed if a trust is created under this policy.",
      "available": true,
      "source_page": 3
    },
    "cash_values": {
      "has_cash_value": true,
      "non_guaranteed_bonus": {
        "text": "Welcome Bonus will be paid to your basic policy as regular premium units upon the receipt of each basic regular premium paid for the first (1st) to third (3rd) policy year, depending on the annualised regular premium amount and IIP option. Special Bonus will be paid to your basic policy as regular premium units upon the receipt of each basic regular premium paid from the 10th annual / 19th semi-annual / 37th quarterly / 109th monthly regular premium paid onwards.",
        "available": true,
        "bonus_types": [
          "other"
        ],
        "source_page": 3
      },
      "guaranteed_surrender_value": {
        "basis": "Surrender value = policy value less full surrender charge; policy value depends on prices of units of ILP sub-funds which may fluctuate and is therefore not guaranteed",
        "available": false,
        "source_page": 12
      }
    },
    "policy_loan": {
      "available": false
    },
    "grace_period": {
      "days": 65,
      "source_page": 13
    },
    "product_type": "investment-linked",
    "policy_basics": {
      "minimum_entry_age": {
        "basis": "as-stated",
        "years": "not stated in extracted text"
      },
      "minimum_sum_assured": {
        "amount": "Not applicable — death benefit is the higher of total regular premium paid plus total top-up premium and premium reduction top-up amount less total withdrawals, or the policy value, less applicable fees and charges",
        "currency": "SGD",
        "source_page": 1
      },
      "maximum_coverage_age": {
        "basis": "as-stated",
        "years": 100,
        "source_page": 3
      }
    },
    "premium_terms": {
      "cpf_eligible": {
        "srs": false,
        "notes": "This plan is available using cash only.",
        "source_page": 1,
        "special_account": false,
        "ordinary_account": false
      },
      "payment_modes": [
        "annual",
        "semi-annual",
        "quarterly",
        "monthly"
      ],
      "minimum_premium": {
        "amount": 2400,
        "currency": "SGD",
        "source_page": 11
      },
      "premium_term_options": [
        {
          "label": "IIP 10 — Initial Investment Period of 10 years",
          "description": "The plan offers IIP options of 10, 15 or 20 years, which you may select depending on your investment objectives. Once your policy has been issued, the IIP option cannot be changed.",
          "source_page": 1
        },
        {
          "label": "IIP 15 — Initial Investment Period of 15 years",
          "description": "The plan offers IIP options of 10, 15 or 20 years, which you may select depending on your investment objectives. Once your policy has been issued, the IIP option cannot be changed.",
          "source_page": 1
        },
        {
          "label": "IIP 20 — Initial Investment Period of 20 years",
          "description": "The plan offers IIP options of 10, 15 or 20 years, which you may select depending on your investment objectives. Once your policy has been issued, the IIP option cannot be changed.",
          "source_page": 1
        }
      ],
      "premium_review_clause": {
        "reviewable": false,
        "source_page": 11
      }
    },
    "non_forfeiture": {
      "paid_up": {
        "text": "Not described in extracted text",
        "available": false
      },
      "source_page": 13,
      "extended_term": {
        "text": "Not described in extracted text",
        "available": false
      },
      "automatic_premium_loan": {
        "text": "Not described in extracted text",
        "available": false
      }
    },
    "suicide_clause": {
      "payout_within_period": "not explicitly stated in extracted text",
      "exclusion_period_months": 12
    },
    "document_metadata": {
      "wording_version": "Version 2.0",
      "product_full_name": "AIA Pro Achiever 3.0",
      "insurer_legal_entity": "AIA Singapore Private Limited (Reg. No. 201106386R)",
      "product_summary_pdf_url": "https://www.aia.com.sg"
    },
    "terminal_illness_benefit": {
      "available": false
    }
  },
  "confidence_tier": "inferred"
}