An independent guide. We are not AIA and do not run its customer portal.

AIA surrender form

How to surrender an AIA policy: which official form fits your policy, how to use AIA+, and what to check before you sign.

Official source

AIA: Form library, and its AIA+ FAQs.

Source typeInsurer form library

Last checked14 October 2026

Open AIA's form library AIA+ FAQs

No details needed from you to follow these links.

Pick the right AIA form

AIA separates surrender and termination requests by type of policy. The wrong form can delay or void a request, so confirm your policy type in AIA+ or your policy documents first.

Surrender of Traditional Life Policy

For traditional life policies with cash value, such as endowments and whole life plans.

Surrender of Platinum Series Policy

For policies in AIA's Platinum series.

Termination of Non-HealthShield policy

For ending a policy other than HealthShield. Ask AIA whether this or a surrender form fits your plan.

AIA+ service requests

Eligible policyholders can make and track service requests in the AIA+ app.

Before you surrender

Your net surrender value
Ask AIA for a dated figure after any loan and unpaid premiums. That is what you would actually receive.
A withdrawal may be enough
AIA lists coupon, dividend and bonus withdrawals as separate requests. They give you some cash while the policy carries on, though its future values fall.
The cover you give up
Surrender ends every benefit, riders included. New cover later may cost more, or be refused. See how your plan works in our plan directory, which covers AIA Smart Flexi Rewards, Smart Wealth Builder and older AIA plans.
Nominations and trusts
A policy under a trust nomination may need the trustees' signatures before AIA can act.

How to submit

Find the plan and policy number in AIA+ or your documents.
Get the current surrender value.
Check whether the policy is traditional life, Platinum series, investment-linked or protection only.
Open AIA's form library and choose the form for that type.
Confirm with AIA which documents and signature method it needs.
Submit through AIA's official channel and keep the acknowledgement.
Check the final amount and that the policy has closed.

What to bring

What the form asks for. Confirm the signature method and supporting documents with AIA before you submit.

How you are paid

AIA's form library does not publish a payout time. Ask AIA when you submit.

Checked 14 October 2026

Or sell it to us instead

We buy eligible AIA endowment and whole life policies paid in cash. If we buy, you see our offer beside your net surrender value and choose. If not, the surrender route above stays open.

Check my policy Sell or surrender?

Two numbers, one pageExample

AIA net surrender valueS$30,000

Our offerS$31,500

Figures are an illustration, not an offer.

AIA questions

Where is the AIA surrender form?

In AIA's form library. Pick the form for your policy type: traditional life, Platinum series, or the termination form for other policies.

Can I surrender through AIA+?

AIA encourages service requests in AIA+, where eligible policyholders can submit and track them. If you can't find the request there, use the form library or contact AIA.

Is ending HealthShield the same as surrendering an endowment?

No. HealthShield is hospital cover with no cash value, and it has its own process. Think carefully before dropping health cover.

Can I withdraw dividends instead?

AIA lists coupon, dividend and bonus withdrawals as separate requests. They give you some cash and keep the policy, though future values fall.

How do I see my surrender value?

Check AIA+ or ask AIA for a dated statement. Ask for the net figure, after any loan.

Can I sell an AIA endowment instead?

Often, if it is a participating endowment or whole life policy paid in cash. Check yours and we tell you whether we would buy it.

You never need to give us your NRIC to read this guide or to reach AIA's forms.