AIA Philippines targets long-term wealth growth with global funds

Insider Spotlight

• AIA Philippines is expanding access to global investment opportunities through a product combining life insurance protection, wealth growth and potential quarterly income
• Its investment options include a global income fund with a historical annualized payout rate of over 6 percent and another targeting 7 percent
• The product offers life insurance coverage until age 100, start-up bonuses of up to 5 percent and loyalty incentives for long-term policyholders
  
  
  
  

AIA Philippines is strengthening its wealth management offerings by giving Filipino investors greater access to diversified global funds while addressing the need for long-term financial protection and potential income generation.

The insurer has introduced AIA Advantage Max, a single-premium investment-linked insurance product available in Philippine pesos and US dollars. It combines life insurance coverage with professionally managed global investment opportunities.

The product targets individuals seeking to grow their wealth while maintaining financial protection. Its investment component also provides opportunities for quarterly distributions that may support other financial priorities.

6 to 7% annualized payout rate

Advantage Max provides access to the Global Dynamic Income Paying Fund, which has a historical annualized payout rate exceeding 6 percent.

Another option, the Global Adventurous Income Fund , targets a 7 percent annualized payout rate through diversified global investments.

However, investment returns and quarterly payouts are not guaranteed and depend on market performance and applicable fund conditions.

With credited start-up bonuses 

AIA is positioning the product as a way for customers to balance wealth accumulation, potential income and insurance protection within one financial solution.

Policyholders receive life insurance coverage until age 100. The death benefit is the higher of 125 percent of the single premium or 105 percent of the account value, including credited start-up bonuses.

The product also provides guaranteed issuance without medical examinations.

Protection of wealth

 “Successful investing is achieved through diversification, professional management, disciplined risk management, and staying focused on long-term goals. Equally important is ensuring that the wealth you build is protected,” AIA Philippines chief investment officer Goh Chong Yong said in a press statement.

Customers may receive a start-up bonus of up to 5 percent of their single premium, distributed over five years.

Beginning in the tenth policy year, eligible customers may receive a loyalty bonus equivalent to 2 percent of their average monthly account value over the preceding 60 months, every five years thereafter.

AIA Philippines serves over 1.1 million individual policyholders and reported P253.35 billion in total assets as of December 2025. —Vanessa Hidalgo | Ed: Corrie S. Narisma