# AIA Pro Lifetime 
  Protector (II)

**Insurer:** AIA Singapore (AIA Singapore Private Limited)
**MAS licence:** —
**Insurer product page:** https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_PLP(II)_Oct2024.pdf

## Source wording

- **Effective from:** 2024-10-01
- **Ingested:** 2026-06-05
- **PDF source:** https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_PLP(II)_Oct2024.pdf
- **PDF sha256:** `ed058dd59d88bb448fe852ee7c5966d58151b35c540bee94a038929a4fbb73be`
- **Extraction confidence:** verified

## Extracted facts

### free look

```json
{
  "period_days": 14,
  "source_page": 4,
  "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, regardless of sanity, commits suicide within one year from the issue date or reinstatement date of the policy, whichever is later; our liability shall be limited to 100% of the policy value.",
    "source_page": 4
  },
  {
    "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; our liability shall be limited to 100% of the policy value.",
    "source_page": 4
  },
  {
    "text": "fraud at any time; our liability shall be limited to 100% of the policy value.",
    "source_page": 4
  }
]
```

### cash values

```json
{
  "has_cash_value": true,
  "non_guaranteed_bonus": {
    "available": false
  },
  "guaranteed_surrender_value": {
    "basis": "Policy value less full surrender charge (75% in year 1, 50% in year 2, 0% year 3 and above). Surrender Charge = Surrender Charge Factor x Regular Premium Policy Value.",
    "available": true,
    "source_page": 3
  }
}
```

### policy loan

```json
{
  "available": false
}
```

### grace period

```json
{
  "days": 30,
  "source_page": 4
}
```

### product type

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

### policy basics

```json
{
  "minimum_sum_assured": {
    "amount": 25000,
    "currency": "SGD",
    "source_page": 3
  },
  "maximum_coverage_age": {
    "basis": "as-stated",
    "years": 100,
    "source_page": 1
  }
}
```

### premium terms

```json
{
  "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": 100,
    "currency": "SGD",
    "source_page": 3
  },
  "premium_term_options": [
    {
      "label": "Regular premium (whole-of-life pay)",
      "description": "AIA Pro Lifetime Protector (II) is a regular premium investment-linked policy that is designed to offer you the flexibility to choose the level of investment and protection cover that suits your needs.",
      "source_page": 1
    }
  ]
}
```

### reinstatement

```json
{
  "conditions": "If the policy has lapsed due to unit depletion and has not been surrendered for its cash surrender value, 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 will not be required to back-pay, and we will not accept any payment for past regular premiums that were due during the lapsed period of the policy.",
  "source_page": 4,
  "window_years": 5
}
```

### non forfeiture

```json
{
  "paid_up": {
    "text": "Not described in the policy text.",
    "available": false
  },
  "source_page": 4,
  "extended_term": {
    "text": "Not described in the policy text.",
    "available": false
  },
  "automatic_premium_loan": {
    "text": "Not described in the policy text.",
    "available": false
  }
}
```

### suicide clause

```json
{
  "source_page": 4,
  "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, regardless of sanity, 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": "Product Summary Version 2.0",
  "product_full_name": "AIA Pro Lifetime Protector (II)",
  "insurer_legal_entity": "AIA Singapore Private Limited (Reg. No. 201106386R)"
}
```

---

*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.*