16. Key terms
Any exercise of the Optional Life Future Insurability Benefit will require an increase in premium . This increase will be calculated on the rates applicable at the time the Optional Life Future Insurability Benefit is exercised.
accidental death
Death caused solely by violent, accidental, external and visible means.
14. How to make a claim
home country
The country in which the life assured was born or, their country of permanent residence.
To make a claim, you must follow the relevant procedures in the section of your AIA Living policy entitled ‘How to make a claim’.
In addition, for a Life Cover Benefit claim, AIA will require:
A full death certificate (in the event of the death of a life assured ), and a coroner’s report if applicable. A grant of administration – probate, or certificate of administration, or letters of administration if the deceased was the sole policy owner . For a Terminal Illness Benefit, evidence from a registered medical practitioner diagnosing an illness which will result in the death of the life assured within 12 months of the diagnosis and any other evidence we may reasonably require. For a Specified Terminal Conditions Benefit, evidence from a registered medical practitioner with an unequivocal diagnosis of a specified condition and any other evidence we may reasonably require. 15. Exclusions – when AIA won’t pay a benefit AIA will not pay any benefit under this appendix where the life assured dies or becomes terminally ill as a direct or indirect result of an intentional self-inflicted act (whether sane or insane) within 13 months of the risk commencement date or, if cover under this appendix has been reinstated, the date of reinstatement. This exclusion applies to any subsequent benefit increase you make. AIA will not pay a Parents Grieving Benefit if death directly or indirectly arises from an injury caused by you, or the child’s parents or guardian(s).
1101 AL-LIFE version 6 Effective 12 May 2026
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