AIA Guaranteed Protect Plus II​ Review

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Last Updated on by Tree of Wealth

The AIA Guaranteed Protect Plus II is a whole life participating policy that covers till age 100,  has cash value, has multiplier of sum assured option as well as early to intermediate to advance stage Critical Illness.

AIA Guaranteed Protect Plus II Product Features and Benefits at a Glance

Wide range of Multipliers

Boost your sum assured for death and total and permanent disability by 2, 3, 4, 5 times to 65 or 75 years old.

Limited Choice of Premium term

While other insurers are offering 10, 15, 20 or even 25 years of premium term, AIA’s Guaranteed Protect Plus (II) offers only 3 premium options – 12 years, 20 years or till age 65 or 75 (depending on your selected multiplier coverage)

Life stages benefits

Upon reaching a major milestone in life such as getting married, having a new home, having a new child, you have the option to purchase another savings, endowment or whole life plan with no medical underwriting required.

Supplementary Benefits to Enhance Your Coverage


Early Critical Cover Extra or Early Critical Protector Life (II) – Covers 104 multi-stage critical illnesses. It also covers special conditions such as osteoporosis and diabetic complications. When you buy this plan for your little one, this add-on will automatically come with child critical cover which protects your child against 16 child critical illnesses and 9 behavioural conditions such as ADHD, Autism and Dyslexia.

Critical Cover Extra or Critical Protector Life (II) – covers 43 major stage critical illnesses till age 100.


With Critical Cover Extra and Early Critical Cover Extra, you can also choose to cover your future premiums with Critical Protector Waiver of Premium and Early Critical Protector Waiver of Premium respectively should critical illness happen so that you will remain protected against the odds.

source – Aia

How AIA’s Guaranteed Protect Plus II Works

AIA Guaranteed Protect Plus II​, early critical illness, whole life insurance singapore
source: Aia

This plan would not be suitable if:

  • You are looking for a term insurance for a specified time and no cash value
  • You are looking for regular cash payouts that last a lifetime
  • You are looking at wealth growth endowment plan

AIA Guaranteed Protect Plus II​ Conclusion

As with all whole life insurance plans, the suitability of this plan for you will largely depend on your needs and expectations. There are many whole life insurance plans in the market with many strong Insurers. Which one suits you the most?

To find the most suitable coverage, simply fill in the form below and our friendly licensed FA advisor will get in touch with you. Based on your needs, a custom made solution will be adjusted only addressing your concerns.

No obligations, no hidden fees. All advice are of no charges.

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