AIA Ultimate Critical Cover (UCC)

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


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Ultimate Protection to Help You Stay Resilient

 
 



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


Sofan Tan

Consultant (CEP, AEPP®, AWP)

About Sofan Tan

| Certified Estate Planner

|20+ Years in Wealth Management

| Holistic, Personalized Wealth Strategies

| All-in-one Solution from Singapore's largest FA  

 

👨‍👩‍👧‍👦 Empowering You To Build Financial Security And A Lasting Legacy  

 

I get it. A decade in Asian IT sales taught me resilience — the dot-com crash taught me reinvention. 

 

The dot-com crash reshaped everything, showing me the need to take control of my own financial future.  

 

That turning point led me to wealth management, uncovering my passion for guiding others to grow and protect their financial futures.  

 

💎 Lessons learnt: "Don't just work hard for the money, but make money work smart for you."  

 

Estate and legacy planning deepened my purpose: true wealth means more than numbers — it’s securing your family’s story and values for generations. 

 

Now I combine two decades of experience with a client-first, heartfelt approach.  

 

I focused on what matters most — balancing financial growth with real-life protection.  

 

👨‍👩‍👧‍👦 Today, I help families design holistic wealth strategies that endure through change.  

 

🎯 My vision: I believe wealth should empower family values and create lasting legacies.    

 

Holistic planning empowers you to:  

 

🌟 Grow, protect, and preserve your wealth in alignment with your values, vision, purpose, and goals.

🌟 Navigate life’s uncertainties with confidence via risk-managed strategies.

🌟 Engage in a comprehensive, top-down, and goal-driven approach.  

 

🎯 You'll get:  

 

✅ CLARITY ⇒ from tailored strategies — wealth growth, protection, and preservation aligned to your objectives.  

 

✅ PROTECTION ⇒ from unexpected risks — liabilities, life events and market volatility — so you can focus on what matters most.  

 

✅ PEACE OF MIND ⇒ from understanding hidden risks — blind spots and portfolio vulnerabilities — so you can protect what you’ve built, and what’s still to come.    

 

💎  Here's what my clients told me matters most:    

 

➡️ Clear strategies that work: I restructured one client's portfolio and and re-balanced regularly, doubling his returns in 5 years.  

 

➡️ Protection when it matters: When a client was diagnosed with cancer and lost her job, her critical illness waiver kept her coverage intact.  

 

➡️ Fiduciary advisory that puts the client’s interests at heart — not just pushing product sales.  

 

➡️ Educating Clients on the risk of the products purchased — not just the benefits.  

 

➡️ Estate plan that protects their assets and provide liquidity during crisis - providing them peace of mind.  

 

🤝 If these concerns resonate with you, let’s together build a wealth blueprint for your legacy.  

 

📧 Email me @ sofantan@fapl.sg

 

➡️ www.linkedin.com/in/sofantan-cep

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.