AIA Ultimate Critical Cover (UCC)
Allow yourself the space to restore, refuel and reset when recovering from critical illness.
Allow yourself the space to restore, refuel and reset when recovering from critical illness.
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.
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.
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With 20 years of experience in financial advisory, I currently lead a team of dedicated and passionate financial representatives. Together, we manage approximately $75 million in client assets, and each team member brings an average of 15 years of industry experience. Our strength lies not just in numbers, but in our shared values—practicality, integrity, and a genuine desire to serve.
As a team leader, I am deeply committed to recruiting and mentoring like-minded, grounded consultants who are driven not just by performance, but by purpose. I believe in building a team culture that values long-term relationships over short-term sales, where consultants feel empowered to grow professionally while staying true to who they are.
I’ve had the privilege of being featured in local media such as The Straits Times, TODAY, Channel U, Radio 93.8, and various financial publications. I am also the author of two books:
📘 Happiness Within Your Reach
📘 Even Introverts Can Sell
Beyond finance, I’m passionate about financial freedom, mental health, and sustainable living—three pillars that I believe are essential to a meaningful and balanced life.
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