AIA Smart Wealth Builder Series

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.

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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).

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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.

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Terminal illness in the presence of HIV infection is excluded.

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