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Signature
Protector
A lifetime of protection without a lifetime
of premiums
You and your family deserve the very best. However,
one cannot always avoid the unpleasant surprises in
life. But you can do something to protect you and
your family against these adversities.
The John Hancock Signature Protector provides permanent
lifetime protection as well as potentially high returns.
Best of all, this plan is designed to limit your
premium commitment to only 5 or 20 years to suit your
needs. So you and your family can enjoy a lifetime
of protection without a lifetime of premium payments.
Enjoy a lifetime of permanent security
With the Signature Protector, you will have permanent
protection throughout your life. If death occurs,
the full sum assured, together with declared bonuses,
will be paid to your dependents.
In the event of total and permanent disability (TPD),
you will receive a TPD benefit equal to the sum assured
plus declared bonuses. This will be payable in two
instalments over a two-year period. All subsequent
premiums will be waived. These benefits will help
ensure that the living standards of your loved ones
is maintained.
Higher returns, even after your premiums cease
Another main benefit of this plan is that it accumulates
cash values over time. And that’s not all, It
also allows you to share in the profits of the company
through bonuses, even after you have completed your
premium commitments. The increasing value of your
savings will help provide for your future needs, such
as retirement, a grand holiday, or anything else you
desire. And of course, the longer you save, the higher
is your returns.
You have the freedom and flexibility to design a
comprehensive program for a complete peace of mind.
By combining this plan with our range of available
supplemental riders, you can opt for additional protection
against accidents, critical illnesses and medical
reimbursements.
To enjoy permanent lifetime benefits with a limited
premium commitment, please call our Insurance Specialist
Hotline at (65) 6328-8219. Or just email us and we
will get in touch with you soon.
Important Note
This insurance plan is underwritten by John Hancock
Life Assurance Company Limited. This insurance product
information contained herein is for general information
only and is not a contract of assurance. The specific
details applicable to this insurance are set out in
the policy contract. This insurance product distributed
is an obligation only of the insurance company. It
is not a bank deposit or an obligation of or guaranteed
by Citibank, N.A., Citigroup, Inc. or any of its affiliates
or subsidiaries.
Buying a life insurance policy is a long-term
commitment. An early termination of the policy usually
involves high costs and the surrender value payable
may be less than the total premiums paid.
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AIA
ChoiceLife US$ Special
If you had a choice, there’s no doubt that
you’d choose to protect yourself for life. Imagine
if you could guarantee lifetime income for yourself
and your family that would ensure your future financial
security. Who wouldn’t make this choice?
Let us show you how with AIA ChoiceLife US$ Special.
This plan helps you achieve financial security from
today, by paying you a cash income every year for
life, after 10 or 15 years from the start of your
plan, depending on which option you choose.
What We Provide
- Annual Cash for Life
This lifetime plan pays annual cash for life.
As a policyholder, you enjoy a guaranteed annual
cash income worth 5% of the basic sum insured, for
life. You can also choose to deposit your annual
cash with AIA to gain attractive interest returns.
Choose between two plans: the ChoiceLife Special
10 or the ChoiceLife Special 15. This guaranteed
cash income could also be accumulated towards a
lump sum payment for future use.
- Lifetime Insurance Protection
You can also get full lifetime coverage. The
plan pays the basic sum assured, plus the accumulated
dividends upon death. Upon total and permanent disability,
the plan will waive all your future premiums and
your plan continues.
- Financial Security
This is an ideal insurance and financial plan for
adults and children alike, since entry age starts
from as young as the age of birth. Imagine the income
that your child could receive! Think of the financial
security this could give you for your retirement.
For more information, please call your Citibank Relationship
Manager or our Insurance Specialist at (65) 6328-8219.
Important Note
This insurance plan is underwritten by the American
International Assurance (AIA). This information and
descriptions contained herein are not necessarily
intended to be complete descriptions of all terms,
exclusions and conditions applicable to the products
and services, but are provided solely for general
informational purposes; please refer to the actual
policy or the relevant product or services agreement.
To the fullest extent permissible pursuant to
applicable law, AIA makes no warranties or representation
as to the accuracy, correctness, reliability or otherwise
of the content of this web site and under no circumstances
including, but not limited to negligence, shall AIA
or any party involved in creating, producing or delivering
the web site be liable to you for any direct, incidental,
consequential, indirect, or punitive damages that
result from the use of, or the inability to use, the
materials on this product sheet, even if AIA or an
AIA authorised representative has been advised of
the possibility of such damages.
This insurance product is an obligation only
of the insurance company. It is not a bank deposit
or an obligation of or guaranteed by Citibank, N.A.,
Citigroup, Inc or any of its affiliates or subsidiaries.
This is a US-dollar denominated insurance plan.
Premiums and benefits payable will be made in US dollars.
Equivalent return on the policy in other currencies
will depend on prevailing exchange rates which may
be highly volatile.
Buying a life insurance policy is a long-term
commitment. An early termination of the policy usually
involves high costs and the surrender value payable
may be less than the total premiums paid.
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AIA
Whole Life US$ Special
We want to protect ourselves and loved ones against
misfortunes. That’s why it’s hard to strike
a balance between paying for life insurance and setting
aside savings for financial security. While you want
as much insurance protection as you can afford, you
also want to be able to set aside some savings.
Let us show you the way with AIA Whole Life US$ Special.
AIA Whole Life US$ Special gives you a balance
between protection and returns. It is specially designed
for those who value long-term investments and want
them in US currency.
The AIA Whole Life US$ Special provides:
- Annual Bonuses
Gives you the potential to earn annual bonuses on
the money you have invested.
- High Life Protection
In the unfortunate event of death or permanent
disability, a terminal bonus may be paid, in addition
to any normal reversionary bonuses for policies
which have been in force for 15 years or more.
- Options for Greater Protection
For even more protection against life’s uncertainties,
you can attach the following Riders to AIA Whole
Life US$ Special to make your plan even more comprehensive:
- Critical Illness Rider
- Hospital & Surgical Rider
- Disability Rider
- Accident Rider
- Payor Benefit Rider
For more information, please call your Citibank Relationship
Manager or our Insurance Specialist at (65) 6328-8219.
Important Note
This insurance plan is underwritten by the American
International Assurance (AIA). This information and
descriptions contained herein are not necessarily
intended to be complete descriptions of all terms,
exclusions and conditions applicable to the products
and services, but are provided solely for general
informational purposes; please refer to the actual
policy or the relevant product or services agreement.
To the fullest extent permissible pursuant to
applicable law, AIA makes no warranties or representation
as to the accuracy, correctness, reliability or otherwise
of the content of this web site and under no circumstances
including, but not limited to negligence, shall AIA
or any party involved in creating, producing or delivering
the web site be liable to you for any direct, incidental,
consequential, indirect, or punitive damages that
result from the use of, or the inability to use, the
materials on this product sheet, even if AIA or an
AIA authorised representative has been advised of
the possibility of such damages.
This insurance product is an obligation only
of the insurance company. It is not a bank deposit
or an obligation of or guaranteed by Citibank, N.A.,
Citigroup, Inc or any of its affiliates or subsidiaries.
This is a US-dollar denominated insurance plan.
Premiums and benefits payable will be made in US dollars.
Equivalent return on the policy in other currencies
will depend on prevailing exchange rates which may
be highly volatile.
Buying a life insurance policy is a long-term
commitment. An early termination of the policy usually
involves high costs and the surrender value payable
may be less than the total premiums paid.
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AIA
US$ Advantage
After years of hard work, you’ve finally
decided to put an end to those long hours. But can
you afford to do that? Is your family secure enough?
If these questions ring an alarm bell in your head,
then take a look at AIA US$ Advantage.
AIA US$ Advantage offers life insurance protection,
while increasing your retirement savings by investing
in US$. It provides:
- Retirement With An Advantage
With AIA US$ Advantage, when you reach 62, you receive
a guaranteed maturity benefit in addition to any
bonuses. All you need is a minimum of US$2,400 to
start investing.
For Single Premium of US$5,000
| Entry Age |
Maturity Benefit |
Maturity Yield |
| |
Guaranteed |
Total* |
Guaranteed |
Total* |
| 30 |
US$15,470 |
US$25,086 |
3.59% |
5.17% |
| 40 |
US$9,671 |
US$14,955 |
3.04% |
5.11% |
* As the bonus rates
used for the benefits illustrated are not guaranteed,
the actual benefits may vary according to the future
performance of the fund. The Singapore dollar return
on this policy depends on prevailing exchange rates
which can highly volatile.
- Life Protection While Investing
In the event of death, your loved ones will receive
the guaranteed sum assured for cash value, whichever
is higher, plus any bonuses. In case of total and
permanent disability, you will receive an amount
equivalent to the death benefit – 10% of it
in the first year and 90% the following year.
- Extra Protection Without Medical Examination
You can take up another AIA US$ Advantage plan one
year after you’ve bought the first one for
the same basic sum assured, without any evidence
of health. You don’t need to go through another
medical examination.**
For more information, please call your Citibank Relationship
Manager or our Insurance Specialist at (65) 6328-8219.
** Applicable provided you are of
standard health upon application of your first plan
and the plan is still available for purchase. Your
purchase must be made within 60 days of the end of
the first policy year.
Important Note
This insurance plan is underwritten by the American
International Assurance (AIA). This information and
descriptions contained herein are not necessarily
intended to be complete descriptions of all terms,
exclusions and conditions applicable to the products
and services, but are provided solely for general
informational purposes; please refer to the actual
policy or the relevant product or services agreement.
To the fullest extent permissible pursuant to
applicable law, AIA makes no warranties or representation
as to the accuracy, correctness, reliability or otherwise
of the content of this web site and under no circumstances
including, but not limited to negligence, shall AIA
or any party involved in creating, producing or delivering
the web site be liable to you for any direct, incidental,
consequential, indirect, or punitive damages that
result from the use of, or the inability to use, the
materials on this product sheet, even if AIA or an
AIA authorised representative has been advised of
the possibility of such damages.
This insurance product is an obligation only
of the insurance company. It is not a bank deposit
or an obligation of or guaranteed by Citibank, N.A.,
Citigroup, Inc or any of its affiliates or subsidiaries.
This is a US-dollar denominated insurance plan.
Premiums and benefits payable will be made in US dollars.
Equivalent return on the policy in other currencies
will depend on prevailing exchange rates which may
be highly volatile.
Buying a life insurance policy is a long-term
commitment. An early termination of the policy usually
involves high costs and the surrender value payable
may be less than the total premiums paid.
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Whole Life
