Member Benefits
Learn more about the range of benefits available to AIA Health Insurance members.
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{{label}}Investment bonds, also called insurance bonds combine the features of a managed fund and a life insurance policy, offering security and tax effective investing to suit a wide range of investors.
The Death Benefit guarantee provides certainty around the minimum amount that will be paid on the death of the last surviving Life Insured, which can be particularly important during times of market uncertainty*.
Offered on four of our nine investment options which are designed to provide certainty around the minimum value of the investment. The nature of the guarantee differs across the NC-Cash, NC-Global Fixed Income, NC-Diversified and NC-Conservative investment options*.
*Terms and conditions apply. Refer to the PDS for more details.
Our investment bond suits a variety of investor needs.
High income earners
Earnings are taxed at 30 per cent instead of your marginal tax rate. With the 125% rule not all contributions have to be invested for 10 years to acquire the tax-paid status.
Saving for children and grandchildren
Setup a Child Advancement Policy and within limits nominate when ownership transfers to a child. Alternatively children from 10 years of age can invest with parental or guardian consent.
Retirees
Can offer a tax-effective income stream outside of super.
Estate planning and wealth transfer
Our guarantees help protect your capital. No restrictions on who you can nominate and beneficiaries receive the proceeds tax-paid.
Alternative to super
No work test applies to contributions and nor do any contribution or lifetime caps apply. Access your money at any time.
For further information on how an AIA Investment Growth Bond can help you with any of the below please refer to our PDS.
AIA Australia has prepared a Target Market Determination which describes the class of consumers that comprise the target market for this product. The Target Market Determination can be sourced at aia.com.au/tmds
Returns will vary depending on a number of factors, including the investment options in which your client invests and the length of the time they're invested in the Bond.
View this month’s performance.
View the current list of investment managers, managing the investment within our bond.
Download and keep track of the quarterly performance for each of our nine investment options. Past performance information is for illustrative purposes only and is not indicative of future performance.
To invest in an AIA Investment Growth Bond you will need to:
Discover why AIA’s Investment Growth Bond is a smart way to achieve financial growth with an award winning and tax effective investment.
We recommend that you read this PDS carefully before investing in an Investment Growth Bond.
To apply for an Investment Growth Bond, you need to provide:
The effective date of your Investment Growth Bond is the date all application requirements, including your investment, are received and accepted by us.
Contact your financial adviser, or call us on 1800 624 100 between 8:30am and 6pm (AEST/AEDT), Monday to Friday, excluding public holidays.
We’re proud winners of the Association of Financial Advisers (AFA) Investment Bond Award 14 years running (2008 through to 2021)*. We’re also proud winners of the 2020 and 2021 AFA Investment Bond Excellence Award.
*Plan for Life/AFA Investment Bond of the Year winner from 2008 through to 2021. Benchmarked on scores for financial, market and product strength factors.