AIA Infinite Heritage - Legacy Planning

AIA Infinite Heritage is designed to help individuals elevate and preserve their legacy, ensuring wealth is transferred smoothly, efficiently, and meaningfully to future generations.

Core Benefits

• Flexible Wealth & Legacy Planning
• Choose single premium, 5-year, or 10-year premium payment terms.
• Coverage options up to age 80, 100, or 120.
• Ability to top-up or make partial withdrawals.
• Premium can be allocated across various local or global investment funds based on risk appetite.

Multi-Currency Advantage

• Choose from USD, SGD, GBP, CNY, AUD, or MYR.
• Guaranteed Forex Floor Rate protects your wealth from adverse currency fluctuations.
• Sum Assured increases automatically with rising exchange rates, but never decreases.

Bonuses to Boost Wealth

• Loyalty Bonus (every 10 years)
• Maturity Bonus
• AIA Vitality Bonus (up to 300%)
• 100% Premium Allocation for maximum investment value

Flexible Inheritance Distribution

• Option to pay death benefits as lump sum or annual payments up to 10 years.
• This helps prevent mismanagement and provides long-term financial security for beneficiaries.

Protecting Your Legacy

• Market volatility
• Uneven inheritance distribution
• Insufficient estate liquidity
• Long probate process (which can take 1–10 years in Malaysia)
• Disputes and delayed distribution

• Provide immediate liquidity (within 14 working days)
• Are usually creditor-proof
• Are tax-free in Malaysia

Key Legacy Planning Solutions

• Structured wealth distribution
• Estate equalisation (ensuring fair distribution among children)
• Estate liquidity (preventing forced sale of assets)
• Wealth preservation across generations

Why It Matters

• Want to preserve wealth for future generations
• Want stable currency options
• Need structured inheritance distribution
• Want protection from long probate processes
• Prefer an investment-linked plan with meaningful bonuses