Retire only from work, not from life. - AIA Singapore

AIA RETIREMENT SAVER (II)
SAVINGS
Retire only from work,
not from life.
Enjoy your current lifestyle even after you retire
with AIA Retirement Saver (II).
aia.com.sg

Only
14 %
of Singapore consumers
surveyed felt that they
were financially ready
for retirement*

AIA Retirement saver (II)
65 %
of respondents do not believe that they will
be able to retire comfortably in Singapore
and would have to work beyond their
retirement age to fund their retirement^
* Source: Less than 2 in 10 Singaporeans are ready to retire financially: Nielsen, 21 February 2011
^ Source: ‘S’pore’s emigration conundrum’, The Business Times, 6-7 October 2012

Is S$1,000 #
a month
sufficient for you to
maintain your current
lifestyle for retirement?
#
Source: www.cpf.gov.sg/cpf_trans/ssl/financial_model/lifecal/Life_EstResultDetails.asp. Computed as at 19 December 2012.
Illustration is based on a Singaporean male, born on 10 January 1962, with a retirement account balance of S$139,000, an annual
value of property of more than S$7,000 and up to S$13,000 and an annual assessable income of more than S$27,000 and up to
S$60,000, which gives him an approximate monthly payout of S$1,000 from age 65 if he chooses LIFE Standard Plan under the
CPF LIFE Scheme.

AIA Retirement saver (II) 4
Can you maintain your
current lifestyle after
you retire?
Your retirement. It’s the time when you are finally free from most financial obligations, and
settle into the life you have always dreamt of. That’s why getting adequately prepared early
is so important. So that when the actual day comes, you do not need to worry about whether
you have enough to maintain your current lifestyle, and can focus on living the next chapter
of your life to the fullest instead.
Introducing AIA Retirement Saver (II) — a plan that can complement other sources of
income including your CPF LIFE payouts and help you attain your desired retirement lifestyle.

With AIA Retirement
Saver (II), planning
for a rewarding
retirement lifestyle
is as easy as ABC!

AIA Retirement saver (II) 6
Assurance in payouts and application
You’ll enjoy more rewards with better peace of mind:
Capital guaranteed 1 by retirement age of 65 so you can get back all the money you have
contributed
• A lump sum guaranteed retirement reward 2 of 24 times of the selected guaranteed monthly
retirement income to kick-start your next chapter of life with confidence
• Receive guaranteed monthly retirement income 3 over your selected income payout period
for more certainty during retirement
• Application is simple and easy with no medical underwriting required
Better meet your retirement needs
You’ll get what you want, when you want it:
• Receive guaranteed monthly retirement income to better manage your monthly expenditure
during retirement
• Enjoy potential annual dividends that may enhance your retirement income stream and help
cushion rising inflation
• A potential terminal dividend may also be paid in the event of death, surrender or maturity
Choices to suit your needs
You’ll have more flexibility:
• Choice of premium payment term of a single payment, over 5 or 10 years or till age 65 to
suit your financial commitments
• Choice of income payout period of 15 or 20 years, depending on how long you want your
retirement income to last
• Choice of monthly retirement income amount to maintain your desired retirement lifestyle
• Choice to accumulate your retirement reward and retirement income with us 4

Here are 3 easy steps to kick-start
your retirement planning:
Just select :
1. Premium payment term
(single payment, over 5 or 10 years or till age 65)
2. Income payout period
(15 or 20 years)
3. Monthly retirement income amount

AIA Retirement saver (II) 8
Example 1
Steve Tan is a 50-year-old, non-smoking marketing manager who is married with 2 children. To
be able to maintain a comfortable lifestyle after his retirement, Steve takes up AIA Retirement
Saver (II) to give himself a retirement income of S$2,000 per month to complement his CPF LIFE
payouts of approximately S$1,000 # .
As Steve wants to complete his premium payments while he is still working, he chooses the
10-year premium payment option. Taking into consideration the increasing life expectancy in
Singapore, Steve decides it’s best to have a retirement income till he is 85 years old. So he
chooses to receive the retirement income over 20 years.
At 65 years old, Steve will receive a guaranteed retirement reward of S$48,000, to celebrate
the start of his retirement, and a guaranteed S$2,000 retirement income per month. Every
year, starting from the end of the first policy year, Steve can also potentially receive an annual
dividend 5 from AIA Retirement Saver (II) that he can choose to accumulate with AIA at the
prevailing interest rate.
Lump sum retirement
reward
S$48,000
One time terminal
dividend at maturity
S$343,740
Annual dividends from Year 2
50 60 65
Monthly retirement income for 20 years
S$480,000
Annual dividends
66 85
Age
Accumulated annual dividends from Year 2: S$186,431
Steve pays: S$42,000 for 10 years = S$420,000
Steve receives, by age 85: S$1,058,171
#
Source: www.cpf.gov.sg/cpf_trans/ssl/financial_model/lifecal/Life_EstResultDetails.asp. Computed as at 19 December 2012.
Illustration is based on a Singaporean male, born on 10 January 1962, with a retirement account balance of S$139,000, an annual
value of property of more than S$7,000 and up to S$13,000 and an annual assessable income of more than S$27,000 and up to
S$60,000, which gives him an approximate monthly payout of S$1,000 from age 65 if he chooses LIFE Standard Plan under the CPF
LIFE Scheme.

Example 2
Victor Woo, is a 35-year-old, non-smoking engineer who is married and just had his first child.
He wishes to receive an income payout of S$2,500 for 15 years after he retires. Thus, he takes up
AIA Retirement Saver (II) and chooses to pay his premiums till age 65. By starting a retirement
plan early, he enjoys more affordable premiums as they are now spread out over 30 years, which
he hopes to complete before he retires.
At 65 years old, Victor will receive a guaranteed retirement reward of S$60,000 to celebrate the
beginning of a new chapter of his life, and a guaranteed monthly income of S$2,500 till he is
80 years old.
Every year, starting from the end of the first policy year, Victor can also potentially receive an
annual dividend 5 from AIA Retirement Saver (II) that he chooses to withdraw every year to
enhance his retirement income stream.
Lump sum
retirement reward
S$60,000
One time terminal
dividend at maturity
S$455,625
Monthly retirement income for 15 years
S$450,000
Annual dividends from Year 2
35 65 66
Annual dividends
80
Age
Accumulated annual dividends from Year 2: S$142,500
Victor pays: S$14,750 for 30 years = S$442,500
Victor receives, by age 80: S$1,108,125
Note: Diagrams in the examples are not drawn to scale. Figures quoted in the examples are based on the projections at 4.75%
investment returns and are for illustration purposes only. Annual dividends and terminal dividend payable (if any) are nonguaranteed.
Once credited to the policy, annual dividends (if any) form part of the guaranteed benefits of the policy. A terminal
dividend is a one-time, non-guaranteed, discretionary dividend that may be payable upon surrender, claim or maturity.

AIA Retirement saver (II) 10
Frequently Asked Questions
It is always our intention to write in plain English, and to be as transparent as possible when
describing our products. The questions and answers below reflect the most common concerns
raised by our customers. If you have any other question not addressed here, please ask your AIA
Financial Services Consultant for more information. Alternatively, you may visit aia.com.sg or
call our AIA Customer Care Hotline at 1800 248 8000.
Q1. Who can apply for AIA Retirement Saver (II)?
You can apply for AIA Retirement Saver (II) if you are between 16 and 50 years old and if you
choose to pay your premiums over 10 years. For premium payment over 5 years and up to age 65,
the maximum entry age is 55. For single premium payment, the maximum entry age is 60.
AIA Retirement Saver (II) can only be purchased on a single life basis.
Q2. How do I determine the amount I need during retirement?
Your Financial Services Consultant will help you determine the amount of money needed to sustain
the lifestyle you want to have during retirement, and the amount of income needed per month to
sustain that.
You may also visit our website at aia.com.sg and use our Retirement Calculator to find out how
much you need for retirement.
Q3. Can I change the guaranteed monthly retirement income amount at a later stage?
You can reduce the guaranteed monthly retirement income amount at any time. The cash value
(if any) less any indebtedness will be pro-rated and refunded back to you. However, you can only
increase your guaranteed monthly retirement income amount in the first policy year.
Q4. Are my premiums guaranteed?
The premium rates for AIA Retirement Saver (II) are guaranteed throughout the premium term.
Q5. When will the plan terminate?
The plan will terminate on the earliest occurrence of:
(i) death of the insured;
(ii) upon surrender of the policy;
(iii) if the total amount of the outstanding loan and accrued interest is higher than the
guaranteed cash value of the policy;
(iv) if any premium on the policy remains unpaid at the end of the grace period and there is
insufficient guaranteed surrender value to grant the automatic policy loan; or
(v) when the policy matures after the income payout period

Q6. What will I receive upon the maturity of the plan?
At the end of your selected income payout period, you will receive the maturity benefit which
comprises your last retirement income payout and any annual dividends, retirement reward and
retirement income which have been left to accumulated with us, less any indebtedness. Your
policy will automatically terminate on the maturity date.
Q7. Does this plan provide any death benefit?
Yes, if the insured dies before the income payout period, we’ll pay the higher of
• 101% of total premiums paid (without interest and excluding any adjustment for premium
payment mode) or
• the guaranteed surrender value
plus any dividends minus any indebtedness.
If the insured dies during the income payout period, we’ll pay the higher of
• 101% of total premiums paid (without interest and excluding any adjustment for premium
payment mode) less the retirement reward and total retirement income paid or
• 101% of guaranteed surrender value
plus any annual dividends, retirement reward and retirement income which have been left to
accumulate with us, minus any indebtedness.
Q8. Can I change my mind and cancel the policy after I’ve purchased it?
Yes. You may cancel the plan by writing to us within 14 days from the date you receive your
policy document (free-look period) and receive a refund of your premium (without interest and
less any medical charges incurred).

AIA Retirement saver (II) 12
Notes
1. Capital guarantee applies to annual premium mode only and excludes any adjustment for
other premium payment modes.
2. The retirement reward is paid on the policy anniversary occurring on or immediately
following the retirement age of 65. Any indebtedness will first be deducted before the
retirement reward is paid out.
3. The retirement income is paid every month over the selected income payout period one
month after the policy anniversary occurring on or immediately following the retirement age
of 65. Any indebtedness will first be deducted before the retirement income is paid out.
4. You may choose to receive the retirement reward and retirement income or accumulate them
with the company to receive interest at the prevailing rate.
5. For single premium payment, we will pay the first annual dividend (if any) after the end of
the first policy year. For non-single premium payment, we will pay the first annual dividend
(if any) after the second year’s premium has been paid in full.

Important Notes:
This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R)
(“AIA”). All insurance applications are subject to AIA’s underwriting and acceptance.
This brochure is not a contract of insurance. The precise terms and conditions of this plan,
including exclusions whereby the benefits under your policy may not be paid out, are specified
in the policy contract. You are advised to read the policy contract. Buying a life insurance policy
can be a long-term commitment. An early termination of the policy usually involves high costs
and the surrender value payable may be less than the total premiums paid. You should consider
carefully before terminating the policy or switching to a new one as there may be disadvantages
in doing so. The new policy may cost more or have fewer benefits at the same cost.
The information in this brochure is correct as at the time of printing (25 June 2013).

AIA Retirement saver (II) 14
About AIA Group
AIA Group Limited and its subsidiaries (collectively “AIA” or “the Group”) comprise the
largest independent publicly listed pan-Asian life insurance group. It has wholly-owned
main operating subsidiaries or branches in 14 markets in Asia Pacific – Hong Kong,
Thailand, Singapore, Malaysia, China, Korea, the Philippines, Australia, Indonesia,
Taiwan, Vietnam, New Zealand, Macau, Brunei, a 97 per cent subsidiary in Sri Lanka and
a 26 per cent joint-venture in India.
The business that is now AIA was first established in Shanghai over 90 years ago. It is
a market leader in the Asia Pacific region (ex-Japan) based on life insurance premiums
and holds leading positions across the majority of its markets. It had total assets of
US$134,439 million as of 30 November 2012.
AIA meets the savings and protection needs of individuals by offering a range of
products and services including retirement savings plans, life insurance and accident
and health insurance. The Group also provides employee benefits, credit life and pension
services to corporate clients. Through an extensive network of agents and employees
across Asia Pacific, AIA serves the holders of more than 25 million individual policies
and over 13 million participating members of group insurance schemes.
AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong
Limited under the stock code “1299” with American Depositary Receipts (Level 1) traded
on the over-the-counter market (ticker symbol: “AAGIY”).

AIA Singapore Private Limited
(Reg. No. 201106386R)
1 Robinson Road, AIA Tower, Singapore 048542
Monday - Friday 8.45am - 5.30pm
AIA Customer Care Hotline: 1800 248 8000
aia.com.sg
SGPD2013012-296-25062013