# AIA Smart Flexi Rewards
  (II)

**Insurer:** AIA Singapore (AIA Singapore Private Limited)
**MAS licence:** —
**Insurer product page:** https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_SFR2(RP)_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_SFR2(RP)_Jul2025.pdf
- **PDF sha256:** `3c440a1b50fb3b77560c357c0757630b64364912616f77af0c2b4feae3538467`
- **Extraction confidence:** verified

## Extracted facts

### free look

```json
{
  "period_days": 14,
  "source_page": 5,
  "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

```json
[
  {
    "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": 2
  }
]
```

### cash values

```json
{
  "has_cash_value": true,
  "non_guaranteed_bonus": {
    "text": "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": 1,
    "par_fund_name": "AIA Participating Fund"
  },
  "guaranteed_surrender_value": {
    "basis": "You may surrender your policy for its cash value, subject to deduction of any and all amounts owing to us under your policy.",
    "available": true,
    "source_page": 1
  }
}
```

### product type

```json
"endowment"
```

### policy basics

```json
{
  "maximum_policy_term_years": 30,
  "minimum_policy_term_years": 15
}
```

### premium terms

```json
{
  "payment_modes": [
    "annual"
  ],
  "premium_term_options": [
    {
      "label": "Regular Pay to maturity",
      "description": "Premiums are payable until the policy matures.",
      "source_page": 1
    }
  ],
  "premium_review_clause": {
    "text": "The premium rates are guaranteed.",
    "reviewable": false,
    "source_page": 4
  }
}
```

### suicide clause

```json
{
  "source_page": 2,
  "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

```json
{
  "wording_version": "Ver. 5.0",
  "product_full_name": "AIA Smart Flexi Rewards (II) (Regular Pay)",
  "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.*