AIA ILP Product Modeller

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.

They are illustrated investment returns before fund management charge. They are not guaranteed returns, caps, floors, or forecasts.

The model includes the selected product's Welcome Bonus and any Investment Bonus, Performance Bonus, or Special Bonus mechanics that apply to that product.

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. The effective policy fee rate shown in the projection table is the annualized surrender-value drag from policy mechanics, excluding FMC. For example, if FMC is 0%, an 8% fund return and a 1% effective policy fee imply about a 7% surrender-value IRR.

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.

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.

Changed scenarios use the same source-document mechanics. Treat the figures as modelling outputs and check final client-facing recommendations against official quotation materials.

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.