Get Paid to Live: How This LIFE Insurance Plan PUTS Guaranteed Annual Cash Payouts IN YOUR POCKET
When most of us think about life insurance, we picture a safety net.
It’s a necessary, responsible expense.
A plan for the worst-case scenario that we pay into, but hope we never need to use.
It’s a tool designed for legacy, for protecting our loved ones after we’re gone.
But what if your insurance plan could do more?
What if it could actively help you build the life you want right now, while still protecting your future?
The world of financial planning is evolving.
Modern plans from AIA Philippines are now designed for both living and legacy.
They act not just as a shield for tomorrow but as an engine for today, providing benefits you can use to achieve your goals while you’re still young and active.
This article explores five powerful features of one such plan, AIA Ascend, that will fundamentally change how you think about insurance.
Let’s look at how it moves beyond a simple protection tool to become an active part of your wealth-building strategy.
1. Receive a Guaranteed 'Lifestyle Fund' Every Year
One of the most powerful features of the AIA Ascend plan is its guaranteed annual cash payouts.
With this plan, you receive a guaranteed cash payout equal to 5% of your plan’s face amount every single year.
This isn’t a “maybe” or a potential bonus; it’s a contractual guarantee built into the plan.
These payments begin at the end of the 5th policy year (for a 5-pay plan) or the end of the 6th year (for a 10-pay plan).
From that point on, you receive this payout every year until the policy term ends.
Think of it as a dedicated “lifestyle fund.” This reliable cash stream can be used for anything:
Funding your travel adventures.
Supporting your children’s education.
Pursuing a new hobby or passion project.
Simply managing family expenses without dipping into long-term savings.
2. The 'Double 200%' Principle: An Anchor for Life & Legacy
At its core, the AIA Ascend plan is built on a powerful “double 200%” principle. It provides a substantial, guaranteed financial anchor for two of life’s most critical outcomes.
Guaranteed Maturity Benefit: If you are alive at the end of your policy term (e.g., at age 65), you receive a lump sum cash benefit equal to 200% of your plan’s face amount. This serves as a massive boost for your retirement or other major long-term goals.
Guaranteed Death Benefit: Should the unexpected happen during the policy term, your beneficiaries will receive a death benefit equal to the higher of two amounts: 200% of your plan’s face amount, or the total premiums you’ve paid (minus any cash payouts you’ve already received).
This “double 200%” guarantee is what makes the plan so robust.
It removes the gamble.
You are guaranteed a significant financial outcome at a key life milestone, and your family has a powerful safety net in place, no matter what.
3. Grow Beyond Guarantees with Potential Dividends
AIA Ascend is a “participating” plan. This means that on top of all the guaranteed benefits we’ve discussed, you also have the opportunity to earn more through Bonus Potential Dividends.
These dividends are non-guaranteed payments that depend on the company’s performance, including its investment returns.
This feature allows your policy’s value to grow beyond its foundational guarantees, adding an extra layer of financial potential.
By default, any dividends you earn are left with the company to accumulate interest, potentially growing your total amount further.
However, you have the flexibility to receive the dividend as a direct cash payout instead.
4. Finish Paying in 5 or 10 Years, Stay Protected for Decades
This is one of the plan’s smartest features.
AIA Ascend is a limited-pay plan, offering flexible payment terms of either 5 years (5-pay) or 10 years (10-pay).
This means you complete all your premium payments in a short, defined period.
But your benefits—the life insurance coverage, the annual cash payouts, the potential dividends, and the maturity benefit—continue for the entire policy term (e.g., for 20 years or until you reach age 65).
This is a powerful financial strategy.
It allows you to concentrate your payments during your peak earning years, getting a major financial obligation out of the way early.
This frees up your cash flow for decades to come, all while your plan continues to work for you.
5. Customize Your Safety Net with Optional Riders
While the core benefits of AIA Ascend are powerful, an effective financial plan must adapt to your specific needs. The plan allows for this through optional riders—additional benefits you can attach to your policy.
You can enhance your coverage with protections for life-altering events like:
Total and Permanent Disability
Personal Accidents
Critical Illness
This ability to customize allows you to build a more comprehensive, 360-degree safety net that addresses the risks most relevant to your life and circumstances.
Stop Seeing Insurance as a Cost. Start Seeing It as an Asset.
The right insurance plan doesn’t have to be a passive, defensive measure.
It can be a proactive and dynamic tool for building the life you want.
By providing guaranteed annual cash payouts for your current lifestyle, a substantial maturity benefit for your future, and a robust death benefit for your legacy, a plan like AIA Ascend helps you achieve all your goals simultaneously.
It ceases to be just an expense for “what if” and becomes an active investment in “what is”—your life, right now.
This leads to a final, crucial question: Are your financial tools just protecting your life, or are they helping you live it to the fullest?
Ready to Build Your 'Live It' Fund?
Ready to see how a plan like this can fit into your life? Let’s map out what your guaranteed annual payouts, maturity benefit, and protection would look like.
Contact me, Argel Tiburcio, for a complimentary, no-obligation consultation to start your plan.
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