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1、PROTECTIONAIAPREMIERDISABILITYCOVERHaveyougotasubstituteincomeearner?Ifnot,protectyourincomewhenyouareunabletoworkAIA.COM.SGStrokeisthetopMorethancauseofdisability*60%ofstrokesurvivorsremainsignificantlydisabled3monthsaftertheyareafflicted**Source:Supervisedtherapyhelpsstrokepatient
2、srecoverfaster–TheStraitsTimes,29March2012.AIAPremierDisabilityCover4YourlifetimeYourbiggestfinancialassetisyourselfearningscaneasilyamounttoItisoftensaidthatthefamilyhomeisthebiggestfinancialcommitment$4million+.thatmostofuswillmakeinourlifetime.That’strue.Butyourbiggestfinancialas
3、setisnotyourhome,it’syourself.AndfortheaverageWouldn’tyouwantemployedSingaporean,thisassetcouldbeworthcloseto$4m+.toprotectthatSurprised?asset?Perhapsyoudon’tfeellikeamillionairenow,butthecumulativepowerofyourearningsshouldnotbeunderestimated.Youinsureyourcar,yourhome,andyourvaluabl
4、es,soisn’titwisetoalsoprotectyoursinglebiggestasset-yourabilitytoearnanincome?ExampleKelvinLeeisa34-year-oldmarketingexecutive.Heearns$4,500permonth,andexpectstogeta5%payriseeachyearuntilheretiresatage65.Fromnow,untilheretires,hiscumulativelifetimeearningswillamounttoabout$3,821,000
5、.CumulativeLifetimeEarnings($)4,000,0003,000,0002,000,0001,000,0000Age34404550556065+$4,655monthlynominalearningsperemployee(all-industryaverage)inQ42011.Source:SingaporeDepartmentofStatistics,MonthlyDigestofStatisticsFebruary2012.AIAPremierDisabilityCover6Financiallyspeaking,disabi
6、litycanbeworsethanpassingaway.ItisoneofthemostdevastatingthreatsDisabilityincometoafamily’sfinancialsecurity.Andit’samistaketothinkplansthatdisabilityonlystrikestheelderly.“I’mconcernedaboutlossofEveryyear,morethan10,000peopleinSingaporesufferastrokeandareadmittedtohospital;it’sthet
7、opcauseofdisability^.And1in10ofallhospitaladmissionsaretheincomefor3monthsormoreresultofanaccident^.Weareallatrisk,allthetime,andanillnessorinjurythatpreventsduetodisabilitythroughyoufromworkingcanstartadownwardslidethatwipesoutallofyourassets.Firstaaccidentorillness.”familycanlosei
8、tsmainsourceofincom
