This product introduction page is shared by Low Jiun Neng Kelvin, a Financial Advisory Manager representing Financial Alliance Pte Ltd. Learn More




AIA Ultimate Critical Cover (UCC)

Allow yourself the space to restore, refuel and reset when recovering from critical illness.


Buy Now
Learn More



 


 
Image

Ultimate Protection to Help You Stay Resilient

Flexible Policy Coverage Length

Choose your preferred coverage term of up to age 65, 75, or 85, depending on your needs.

Wide Coverage for Multiple Stages

Get yourself covered for 150 medical conditions across early, intermediate and major stages.

Multiple Claims with Reset Benefit

Coverage resets every 12 months1 from the last claim, allowing you to make multiple claims against different critical illnesses for major stages2. It also allows you to make multiple claims totalling up to 500%3 of your coverage amount.

 

Peace of Mind for Your Family

In the event of death4, your loved ones will receive 5% of coverage amount. If the death was accidental, payout will be 100% of coverage amount.

Exclusive UCC Enhancer Add-On to Enjoy Relapse Benefit

You may still claim again if the same critical illness relapses5. Each Claim pays the lower of 50% of your coverage amount or your remaining coverage. You can claim up to 100% of your coverage amount.

Exclusive UCC Enhancer Add-On to Enjoy Catastrophic Critical Illness Benefit

Should catastrophic critical illness6 strike, you will receive an additional 100% of your coverage amount, regardless of any claims made previously.

 



Footnotes

1. The current coverage amount will be reset to 100% of the coverage amount if the UCC policy is in force 12 months after the last critical illness claim.

2. Unlimited claims apply to major stage of critical illnesses. Only one claim is payable for each stage of a critical illness. The total amounts payable for all stages of a critical illness shall not exceed 100% of the coverage amount. Maximum claim limit of 500% of coverage amount applies to early and intermediate stage of critical illnesses.

3. Applicable for early and intermediate stage critical illnesses covered by UCC policy. The total amounts payable for the early and intermediate stage of the same critical illness shall not exceed S$350,000 per life combined across all the UCC policies covering the same insured.

4. The UCC policy will terminate after the death benefit or accidental death benefit is paid out.

5. Two-year waiting period applies. We will only admit a claim for Ultimate Relapse Critical Illness Condition if we have previously paid 100% of the coverage amount under the Critical Illness Benefit for any stage of the same critical illness.

6. This benefit is payable once and terminates thereafter.

Take Action Today

Ensure you have the the ultimate critical illness protection needed for confidence and peace of mind. Act now to safeguard the future for you and your loved ones.

Buy Now

Buy AIA Ultimate Critical Cover


Need Advice?

Meet Your #ChooseQuality
Financial Adviser Representative


Low Jiun Neng Kelvin

Financial Advisory Manager

About Low Jiun Neng Kelvin

In 2007, I transitioned into full-time trading from home, building on more than a decade of professional experience in trading and investment. While I was achieving success for myself, I felt a strong desire to help others enjoy the benefits of sound financial planning—and to pay it forward.

Today, I am proud to work with a diverse range of clients, including regional M&A lawyers, senior executives of multinational corporations, CEOs of property investment companies, and accomplished high-net-worth business owners. They turn to me for trusted advice in financial and estate planning.

Having served over 500 individuals, families, and corporations, I’ve found that their #1 question remains consistent:

“Kelvin, do I have the right plans in place to protect my family and loved ones if something happens to me or my business? Are these plans the best value for my money?”

This is where my expertise comes in:

  1. Reviewing and Restructuring Financial Plans for individuals to achieve the "3Ms" results:
  • Save Money 💰
  • Optimize Money 💡
  • Grow Money 📈

    2. Retirement Goal Setting and Legacy Planning through our unique SWG Wealth Journey process

    3. Business and Family Succession Planning tailored for successful business owners

Over the years, my greatest motivation has been the trust and appreciation of my clients. Their compliments and referrals mean the world to me, as they recognize me as someone who is:

  • Trustworthy,
  • Able to understand their unique needs and concerns, and
  • Committed to providing tailored solutions that meet their goals.

Above all, I take pride in giving my clients the invaluable gift of peace of mind—helping them focus on what matters most:

Their work,
Their families, and
Their passions,
while knowing their financial well-being is in expert hands with the best options the market has to offer.
It’s been a privilege to support clients from all walks of life and at various life stages, helping them achieve clarity, security, and focus on what truly matters. 🌟

If you’d like to explore how I can help you achieve peace of mind, I’d be delighted to connect with you. Please feel free to reach out [HERE].

Frequently Asked Questions

By definition, a FA firm is one that sells the products from more than one insurer or business partner.

However, you should consider whether the FA firm can ensure that financial advice given is free from the undue financial influence.

Ever since our founding more than two decades ago, Financial Alliance is committed  to offer impartial and client-centric financial advice.

We have your best interest at heart and will leave you to make your decision.

If suitable and impartial financial advice is what you seek, then you should only engage a trusted FA firm.

At Financial Alliance, we are dedicated to offering our clients the best financial advice.