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AIA Guaranteed Protect Plus III​ Review

Last Updated on by Tree of Wealth

The AIA Guaranteed Protect Plus III 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 III Product Features and Benefits at a Glance

Wide range of Multipliers

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

Choice of Premium term

AIA’s Guaranteed Protect Plus (II) offers 15, 20 and 25 years.

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.


Early Critical Cover Extra or Early Critical Protector Life (III) – Covers 150 multi-stage critical illnesses (42 Early stage + 35 Intermediate stage + 73 advance stage CI). It also covers 15 special conditions such as osteoporosis and diabetic complications.

Critical Protector Life (III) – covers 73 major stage critical illnesses till age 100.

PREMIUM WAIVER RIDERS – Waives off premiums in the event of critical illness occurrence.

Full Range of Riders

  1. GPP (III) Booster
  2. Critical Protector Life (CPL) (III)
  3. Early Critical Protector Life (ECPL) (III)
  4. Critical Protector Waiver of Premium (CPWP) (II)
  5. Early Critical Protector Waiver of Premium (ECPWP) (II)
  6. Payor Benefit (PB)
  7. Payor Benefit Comprehensive Special (PBCS) (II)
  8. Early Critical Protector Payor Benefit (ECPPB) (II)
  9. Baby Protect Plus (II) (part of Mum2Baby Protect)
  10. Baby Assurance (II)

How AIA’s Guaranteed Protect Plus III Works


How AIA's Guaranteed Protect Plus III Works

How AIA's Guaranteed Protect Plus III Works

How AIA's Guaranteed Protect Plus III Works
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 III​ 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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