Skip to content
AIA Guaranteed Protect Plus II

AIA Guaranteed Protect Plus III​ Review

Last Updated on March 4, 2022 by Parentology

When it comes to insurance in Singapore, most of us have heard about AIA. For the Guaranteed Protect Plus III, it is a whole life plan with the standard multiplier feature, surrender value and early to advance stage critical illness coverage.

AIA Guaranteed Protect Plus III Product Features

Choice of Premium term

15, 20 and 25 years.

Life Milestones

Option to get a separate endowment or whole life plan with no medical underwriting needed. These includes:

  • Marriage
  • New property
  • Newborn


Have the option to increase sum assured coverage until the age of 65 or75 years old. Most insurers have it until 70 years old with the option to choose a higher age range of 75 to 85 years old. AIA however has 2 choices of age 65 or 75.

The multiplied amount is also at 2,3 and 5 times where most insurers have a range of 2, 3, 4 and 5.

Critical Illness Protection

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.


Waives off premiums in the event of critical illness occurrence.

Riders Available for AIA Guaranteed Protect Plus III

  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

AIA Guaranteed Protect Plus II

AIA Guaranteed Protect Plus II

AIA Guaranteed Protect Plus II

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 parents, there are many things to consider when it comes to protection for our children. AIA’s Guaranteed Protect Plus II is a whole life plan with vanilla features that is standard among all the other insurers.

To compare for the most competitive whole life participating policy for your child and also for yourself, it is important to do a comparison and find the most of value coverage. 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.




    Financial Planning for First-Time Parents: An In-Depth Guide

    Get the The Ultimate Guide to Financial Planning for Parents in Singapore now!

    Subscribe Now

    Get email updates on the latest financial nuggets!