{
  "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": "smart-wealth-builder-series",
    "name": "AIA Smart Wealth Builder\n   Series",
    "status": "active",
    "positioning_summary": null,
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_SWB2(10P)_Jul2025.pdf"
  },
  "wording": {
    "wording_version": "2025-07-01",
    "effective_from": "2025-07-01",
    "ingested_at": "2026-06-05T12:09:13.91108+00:00",
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_SWB2(10P)_Jul2025.pdf",
    "pdf_hash": "fe970d6e55c72a9e7c83838d46a6f66b1355cc57c32ce2daf7ea4ee3162e1540",
    "page_count": null
  },
  "facts": {
    "free_look": {
      "period_days": 14,
      "source_page": 9,
      "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 (regardless of sanity) within 1 year from the policy issue date or reinstatement date, whichever is later or otherwise specified, our liability shall be limited to the refund of premiums paid without interest.",
        "source_page": 5
      },
      {
        "text": "TPD Benefit exclusions: 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) 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); (b) engaging 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 (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": 5
      },
      {
        "text": "Terminal Illness Benefit exclusions: (a) any Terminal Illness, the symptoms of which first occurred prior to the issue date or reinstatement date of your basic policy, or for which the Diagnosis of Terminal Illness was made within 30 days following the issue date or reinstatement date of your basic policy; or (b) 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); or (c) any and all pre-existing illnesses, diseases, impairments or conditions from which the Insured was suffering prior to the issue date or reinstatement date of your basic policy, whichever is later, unless a declaration was made in the application for, or reinstatement of, your basic policy, and such application was specifically accepted by us.",
        "source_page": 5
      },
      {
        "text": "Terminal illness in the presence of HIV infection is excluded.",
        "source_page": 2
      }
    ],
    "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 upon 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.",
        "available": true,
        "bonus_types": [
          "reversionary",
          "terminal"
        ],
        "source_page": 4,
        "par_fund_name": "AIA Singapore Participating Fund"
      },
      "guaranteed_surrender_value": {
        "basis": "Guaranteed cash value; upon full or partial surrender, policy pays cash value. Maturity benefit includes guaranteed cash value plus any bonuses not surrendered.",
        "available": true,
        "source_page": 3
      }
    },
    "product_type": "endowment",
    "policy_basics": {
      "minimum_sum_assured": {
        "amount": "Not explicitly stated; plan is denominated by Insured Amount linked to premium; minimum premiums vary by payment option",
        "currency": "SGD",
        "source_page": 1
      },
      "maximum_coverage_age": {
        "basis": "age-last-birthday",
        "years": 125,
        "source_page": 1
      },
      "minimum_policy_term_years": "Policy matures on the policy anniversary on or after the Insured turns 125 years old"
    },
    "premium_terms": {
      "cpf_eligible": {
        "srs": true,
        "notes": "Single Premium option accepts $15,000 SRS",
        "source_page": 1,
        "special_account": false,
        "ordinary_account": false
      },
      "payment_modes": [
        "single",
        "annual"
      ],
      "minimum_premium": {
        "amount": 1500,
        "currency": "SGD",
        "source_page": 1
      },
      "premium_term_options": [
        {
          "label": "Single Premium",
          "description": "Single Premium: $20,000 Cash / $15,000 SRS",
          "source_page": 1
        },
        {
          "label": "5-pay",
          "description": "5 years: minimum premium $4,800",
          "source_page": 1
        },
        {
          "label": "10-pay",
          "description": "10 years: minimum premium $3,600",
          "source_page": 1
        },
        {
          "label": "15-pay",
          "description": "15 years: minimum premium $2,400",
          "source_page": 1
        },
        {
          "label": "20-pay",
          "description": "20 years: minimum premium $1,500",
          "source_page": 1
        }
      ],
      "premium_review_clause": {
        "text": "The premium rates are guaranteed.",
        "reviewable": false,
        "source_page": 8
      }
    },
    "suicide_clause": {
      "source_page": 5,
      "payout_within_period": "If the Insured commits suicide (regardless of sanity) within 1 year from the policy issue date or reinstatement date, whichever is later or otherwise specified, our liability shall be limited to the refund of premiums paid without interest.",
      "exclusion_period_months": 12
    },
    "document_metadata": {
      "wording_version": "Ver. 6.0",
      "product_full_name": "AIA Smart Wealth Builder (II) (10-pay)",
      "insurer_legal_entity": "AIA Singapore Private Limited (Reg. No. 201106386R)"
    },
    "terminal_illness_benefit": {
      "available": true,
      "source_page": 2,
      "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."
    }
  },
  "confidence_tier": "verified"
}