AIA ILP products
AIA ILP Product Modeller
Product selection
Select product
Selected product
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Client and premium
Policy inputs
Projection assumptions
Return and cashflow
Top-ups and withdrawals Optional cashflow assumptions
Dividend simulator Optional; off by default
Policy mechanics
What is included
Bonuses and charges Open for year-by-year mechanics
Policy value
Projected fund value
Policy Visualization
Projection timeline Beta
Hover age markers or callouts for death benefit, surrender value, charge breakdown, and cumulative cashflow.
Projection
Projection table
Reference
FAQ
How should I read the default scenario?
The default inputs are a starting point for adviser-side modelling. The projection applies the selected product mechanics, bonuses, charges, and illustrated return assumptions shown on screen.
What do the 4% and 8% returns mean?
They are illustrated investment returns before fund management charge. They are not guaranteed returns, caps, floors, or forecasts.
Which bonuses are modelled?
The model includes the selected product's Welcome Bonus and any Investment Bonus, Performance Bonus, or Special Bonus mechanics that apply to that product.
Which charges are modelled?
The model includes fund management charge, monthly supplementary charge, monthly benefit charge where sum-at-risk is positive, top-up premium charge, partial withdrawal charge, full surrender charge, and Premium Holiday charge where the selected product supports it.
What is the sum at risk charge table?
Benefit charge is applied monthly when there is positive sum at risk. The annual rate below is charged per S$1,000 of sum at risk, based on gender and attained age.
How does the dividend simulator work?
The dividend simulator is off by default. When its dropdown is open and a payout start age plus target dividend yield are entered, the model switches to the selected dividend portfolio return from the payout start age. If dividends are paid out, they are shown as client cashflow and do not reduce the underlying fund value. If reinvested, they are added back into the fund value as reinvested dividend top-up units and tracked separately.
Can I trust changed age, gender, or premium scenarios?
Changed scenarios use the same source-document mechanics. Treat the figures as modelling outputs and check final client-facing recommendations against official quotation materials.
Why are some fields hidden in collapsible sections?
The main screen keeps the repeated adviser workflow visible: inputs, headline outputs, chart, and projection table. Secondary mechanics stay available in expandable sections so the page stays usable during live modelling.