Close this search box.

AIA Smart Wealth Builder II Plan Review

AIA Smart Wealth Builder II

Last Updated on by Tree of Wealth

The AIA Smart Wealth Builder II is a legacy endowment plan that has the flexibility to withdraw the accumulated cash value when you need it and leave to compound should you not need it. This plan comes with versatility as well as endowment and protection elements.

Features At a Glance for the AIA Smart Wealth Builder

 Premium Term

  • Choice of Single Premium or regular premium of 5, 10, 15 or 20 years.
  • Choose to save it in USD or SGD

Wealth Accumulation Until Age 125

  • The long horizon of the savings term helps accumulate and compound the wealth as the plan only matures at age 125.

Guaranteed Issuance

  • No medical check-up, no health underwriting procedure. Issuance of the plan is guaranteed.

Early Break-Even – Capital Guaranteed

  • Total Premiums in SGD paid will break even at the end of the 15th year of the policy regardless of the premium payment term, be it 5, 10, 15 or 20 years.
  • USD version will break even on the 13th year


  • Pays out in the event of death, tpd (total permanent disability) as well as terminal stage illnesses

Secondary Life Insured (SLI)

Choose to appoint your child below 16 years old or spouse as the secondary life insured to continue accumulating your wealth and growing with them through their lifetime.

Policy will only expire on the 125th birthday of the primary policyholder (which is you). Even if the primary policy holder is no longer around (death occurs), the plan will act as an ongoing wealth compounding interest garnering instrument for the SLI.

This is especially useful for long term and even to leave it to the next generation. This is because traditional savings plan will be terminated upon death.

However as the supposed accumulation compounding period is until age 125 of the primary policy holder, it will literally compound for decades for the next generation.

How AIA Smart Wealth Builder Works


AIA Smart Wealth Builder How it Works 1

AIA Smart Wealth Builder How it Works 2
source: AIA

Comparison With Similar Plans



Enrich Flex


SmartWealth Builder II


$5,077.80 $5,000

Savings Term

20 Years 20 Years

Breakeven (Guaranteed)

15th year

15th year

Value at the end of 20th year $106,050

Plan continues to grow until you are 100 years old


Plan continues to grow until you are 125 years old

Find out more on the Etiqa Enrich Flex Plan here:
Etiqa Enrich Flex Plan Review: Legacy Endowment With Competitive Returns

Conclusion for  AIA Smart Wealth Builder II

AIA’s Smart Wealth Builder II is a flexible endowment plan that encompasses protection and endowment, with legacy planning in mind.

More insurers are heading towards this as a nod to the market’s need and demands for flexibility and versatility, which is useful for children’s education, buying term and investing and even retirement plans.

However when it comes to the right endowment policy, it is important to compare with similar products in the market to find out which gives you the most value, because at the end of the day, the commitment is on the policy holder.

To find the most suitably plan based on your concerns and needs, simply fill in the form below and our friendly partnered licensed FA advisor will get in touch with you. 

Based on your needs, a custom made solution will be adjusted only addressing your concern with no obligations nor hidden fees.

Find the most suitable coverage for you today!

    Related Articles

    subscribe now

    Get email updates on the latest financial nuggets!

    A Comprehensive Guide – Critical Illness VS Early CI Coverage: What It Is & How it Works

    Get the latest insight on the Ultimate Guide on Critical Illness Coverage & How you should plan on it

    Fill in the form and get the downloadable copy for free.