AIA Retirement Saver (IV)
AIA's retirement plan provides guaranteed monthly income over 15 or 20 years.
AIA Retirement Saver (IV) is a participating retirement insurance plan that helps policyholders build a future income stream without a medical check-up. It offers capital guarantee at the selected retirement age, guaranteed monthly income over 15 or 20 years, and the ability to customise the desired income amount and payout start age from as early as 50. The plan also offers potential monthly dividends, optional premium waiver riders and SRS-related positioning for retirement funding. Premiums may be paid as a single premium or over selected premium terms.
AIA Retirement Saver (IV) is a strong mainstream choice for buyers who want a recognisable insurer, clear payout windows and a straightforward monthly income structure. The capital guarantee condition at retirement age is a meaningful anchor, and the option to begin income from age 50 gives it appeal for earlier retirement planners. The trade-off is that the payout period is not lifelong, so it works better as a planned income layer than a full longevity solution.
It stands out for clear guaranteed income, capital guarantee conditions and strong accessibility from a major insurer with an established Singapore service network.