Is AIA Pro Achiever plan a combination of life insurance policy and investment policy?

Hi, to add on from what the others have shared, as the minimum premium to start for AIA Pro Achiever is S$200 / Month, my personal opinion is to set aside money for insurance coverage first, and if you have at least S$200 / Month of comfortable budget left, you may consider to get the AIA Pro Achiever.

Hi anon,

It's an ILP. If you are intending to invest, I'd suggest that you go with a normal investment platform such as POEMS. Don't be constrained to the limitations of the policy (and there are quite a number, such as sales charges, lock in period, etc). Invest on your own terms.

About the only benefit I can think of is, if the policy owner passes away in a crisis, the death benefit will be 105% (something like that) of the premiums paid, even if the market has crashed by half and the portfolio is deeply in the red. However, that is hardly a reason to do an ILP. You would be better off with a term plan to cover that instead.

What else do you want to know about the plan?