AIA Star Protector Plus

24/7 Protection for Your Little Adventurer

Worldwide Protection

Enjoy peace of mind knowing your child is protected globally against accidents and health issues.

Affordable Premiums

Starting at just S$13.28 per month¹, you can ensure your child's safety without breaking the bank.

Education Fund

Ensures your child’s education is secured with a lump-sum payout in the event of your accidental death and premiums waived until they reach 21 years old.

Critical Illnesses Benefit

First-ever plan offering optional coverage for 17 child critical illnesses, which can be converted to an AIA whole life or endowment policy as your child transitions into adulthood.

Double Indemnity

Receive double payouts for accidental dismemberment and burns.

Recuperation

Additional support for your child's recovery for diseases like Dengue and HFMD.

Footnote

1. Refers to monthly premiums for Plan 1 of Basic Benefits.

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Client Acknowledgement

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”) and distributed by Financial Alliance Pte Ltd. All insurance applications are subject to AIA's underwriting and acceptance.

This is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Most of the benefits of this policy will be payable upon the occurrence of an accident.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

This advertisement has not been reviewed by the Monetary Authority of Singapore.

By proceeding with the product application, you acknowledge and agree that:

• Financial Alliance Pte Ltd ("FAPL") may collect, use, and disclose your personal data, as provided by the insurance company to FAPL as a result of your application, for the following purpose(s) in accordance with the Personal Data Protection Act 2012 and our data protection policy:

a) the processing of your application; and
b) the administration and servicing of your policy

Please visit our website for further details on our data protection policy, including how you may access and correct your personal data or withdraw consent to the collection, use or disclosure of your personal data.

• All information submitted through this website will be your own, and will be true, accurate, and unaltered.

• Insurance plays an important role in your financial planning, and buying an insurance product is a long-term commitment. You should seek financial advice from your Financial Consultant before purchasing this policy. Should you choose not to, you shall be responsible for ensuring that the policy is suitable and appropriate in meeting your financial needs and objectives.

I accept the Terms & Conditions and acknowledge that my information will be used for the aforementioned purposes.

Need Advice?

Meet Your #ChooseIndependent
Financial Adviser Representative

Lai Ailing

Financial Advisory Manager

About Lai Ailing

Having been in the financial planning industry since 2008, this is what I know, have been doing, and will always do.

Throughout my decade-long experience as an insurance professional during the initial years of my career and now as an independent financial advisor representative, I have served more than 400 clients and corporate professionals. As I continue to grow professionally as a financial advisory practitioner, I have also embraced new roles as a wife and mother to two young children. Understanding the value of time for my clients and their families, my business focuses on helping busy professionals protect what matters to them so they can spend more time with their loved ones.

The era of digitalisation presents a situation of digital overload, with an overwhelming amount of information readily available online. With so much information out there, how does one sift through the endless and ever-expanding data to make relevant financial decisions to achieve their goals? This is where I step in to cut through the noise and distraction, analyzing and presenting information in a way that is clear, concise, and tailored to meet the specific needs of my clients.

Beyond helping my clients achieve their financial freedom and goals, I have another passion—rock climbing. I’ve been engaged in this activity for even longer than my professional career. Rock climbing is not just a hobby but a metaphor for my professional approach: strategic planning, precise execution, and unwavering focus on reaching the top (goal).

My Qualification:

Bachelor of Business (Hons), Nanyang Business School

Frequently Asked Questions

For “INDEPENDENT” Financial Advisory firms such as Financial Alliance, its financial advice must be free from the undue influence of higher remuneration and/or meeting sales quotas. In other words, financial advice from Financial Alliance is given solely in clients’ interests.

A financial advisory (FA) firm wishing to use the word “INDEPENDENT” – as Financial Alliance does – must fulfill the conditions laid down by Monetary Authority of Singapore (MAS) at all times.

No, the mere fact that a FA Firm can sell the products from more than one insurer or business partner does not mean that the FA Firm is “independent”.

In Singapore, only a handful are “Independent Financial Advisory Firms” because only a few are able to ensure that the financial advice given is free from the undue financial influence.

As there is no such thing as an “Independent Financial Adviser” license in Singapore, IFA Firms are, in essence, “Financial Adviser” license holders who offer financial advice while being free from undue influence.

We have your best interest at heart and will leave you to make your decision. We only ask that, when you deal with a FA Firm, you find out for yourself if it is truly an IFA Firm or a FA Firm.

If impartial financial advice is what you seek, then you should only engage an IFA Firm.

At Financial Alliance, we are dedicated to offering our clients independent financial advice. Please feel free to contact us at feedback@fa.com.sg to find out how our independent financial advice would benefit you.