What is Unit Linked Life Insurance?
Unit Linked Life Insurance is an innovative financial solution that combines life protection with investment opportunities within a single policy by investing in mutual funds.
Unlike traditional life insurance with fixed returns, Unit Linked allows you to choose funds that align with your financial goals—whether low-risk or high-growth funds—giving you flexibility to adjust your strategy based on economic conditions and personal needs.
📌 Key Features of Unit Linked Life Insurance
✅ Life Coverage + Investment Opportunities – Provides life protection while generating potential returns.
✅ High Flexibility – Adjust investment plans, increase/decrease coverage, or partially withdraw funds.
✅ Self-Managed Portfolio – Choose funds based on your risk preference: low, medium, or high.
✅ Partial Withdrawals Allowed – Unlike traditional endowment insurance, you don’t have to wait until maturity.
✅ Higher Return Potential – If invested in well-performing funds, returns can surpass regular life insurance.
✅ Tax Deduction Benefits – Eligible for personal income tax deductions under Revenue Department conditions.
✅ Ideal for Long-Term Goals – Suitable for retirement planning, child education savings, and financial security.
🛠 Popular AIA Unit Linked Products
1. AIA Issara Plus
🔹 Key Benefits:
✔ Flexible coverage and investment options.
✔ Additional premium payments (Top-up) to enhance investment potential.
✔ Low base premium but high investment potential.
🔹 Best for:
✔ Individuals seeking flexible investments.
✔ Those who want to diversify risk and adjust their portfolio freely.
2. AIA Infinite Wealth
🔹 Key Benefits:
✔ Designed for wealth transfer to the next generation.
✔ High life coverage + investment potential for wealth accumulation.
✔ Freedom to adjust investment portfolios based on market conditions.
🔹 Best for:
✔ Business owners and entrepreneurs looking to secure financial legacy.
✔ Individuals seeking both life protection and investment opportunities.
🎯 Real-Life Use Cases of Unit Linked
📍 Case 1: Retirement Planning
Mr. Somchai, age 35, wants a solid retirement plan. He selects AIA Infinite Wealth, allocating 70% in stocks and 30% in bonds, aiming for long-term growth.
✅ Goal: Accumulate enough wealth for retirement.
✅ Outcome: Grows wealth over time and allows partial withdrawals when needed.
📍 Case 2: Child Education Planning
Ms. Mon, age 30, has a 2-year-old child and wants to secure university tuition in 18 years. She chooses AIA Issara Plus and adds annual Top-ups for higher returns.
✅ Goal: Save for her child’s university education.
✅ Outcome: Ensures sufficient funds for tuition without financial stress.
🔎 Things to Consider Before Choosing Unit Linked
❗ Returns are not guaranteed – Dependent on market conditions and fund performance.
❗ Understand the costs – Some policies include premium fees and admin fees.
❗ Best for risk-tolerant individuals – As it involves investment risks.
💡 Who Should Consider Unit Linked Life Insurance?
✅ Individuals seeking life protection + investment growth.
✅ Those with long-term financial goals, like retirement or education funds.
✅ Investors looking for portfolio flexibility.
✅ Individuals comfortable with market fluctuations.
💬 Interested in Unit Linked Insurance? Contact us for expert financial consultation!
