For Individuals

Life & Health - Term Life

Term plans provide the protection you need alongside the flexibility you want. Protect yourself and your family against death, total and permanent disability and critical illness at affordable premiums.. Our range of term plans and optional riders ensures you stay covered no matter what happens.

IdealCI Protector
How to Apply

IdealCI Protector is a unique insurance plan that provides for 2 critical illness covers in one plan. It covers Death, Terminal Illness, 30 Critical Illnesses, and Total Permanent Disability (up to age 65).

With the CI Recovery Benefit option, you’re provided with an extended CI benefit covering a second CI event. This means you are entitled to claim under a second CI * even if you had already made your first CI claim.

Other features include:
  • Premiums that does not increase with age
  • Choice of policy terms: from 5 years up to age 99
  • Benefits are payable in a lump sum

* Covers critical illnesses that are not the same or related to the first critical illness claim and not vascular related illnesses where the first critical illness was also a vascular related illness. Vascular related illness refers to Coronary Artery By-Pass Surgery, Heart Attack, Heart Valve Surgery, Primary Pulmonary Hypertension, Surgery to Aorta and Stroke (including paralysis as a result of cerebrovascular incident).


The policy is underwritten by Aviva Ltd.
The information on this page is only an overview of the benefits of IdealCI Protector, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract.
The information on this page is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A product summary in relation to IdealCI Protector is available and may be obtained from Aviva Ltd and the participating distributors’ offices. You should read the product summary before deciding whether to purchase the policy. 
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.
Information is correct at time of publishing.

Global Protection
Go Global Now

Every year, there are more than 30 million people in the world who are survivors of cancer, heart attacks and strokes1. Many of them will require continuing, and costly, clinical care till the end of their lives. Will you be ready to deal with the inevitable strain on your finances should critical illness strike when you least expect it?

Sometimes life can take us to unexpected places. When that happens, enjoy the assurance of customised coverage that transcends borders with Global Protection.

Global Protection is a term insurance plan that protects your family and loved ones against life’s unpleasant surprises. It offers basic protection against death and terminal illness. You can enhance your coverage by complementing your plan with your choice of optional benefits.

Customised and portable coverage for your every need
We offer you choice, customisation and cost-efficiency.

Choice
- Level and Decreasing Term
- Amount of coverage
- Duration of coverage
- Wide range of interest rate (for decreasing term)
- Multiple currency options
- Wide selection of eligible nationality and residency
- Optional benefits to enhance your protection

Customisation
You can pick and choose from the following benefits that best meet your needs.
- Total and permanent disability
- Critical illness accelerated
- Critical illness premium waiver

Cost efficiency
Unlike packaged term plans, you only pay for the benefits you need.
 

1 http://info.cancerresearchuk.org/cancerstats/world/index.htm
World Health Organisation – www.who.int  March 2010
The University Hospital – www.universityhospital.com  March 2010

This policy is underwritten by Aviva Ltd.
The information on this page is only an overview of the benefits of Global Protection, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract. The information on this page is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A product summary in relation to Global Protection is available and may be obtained from Aviva Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy. Buying life insurance products is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value, if any, may be less than the total premium paid. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Information is correct at time of publishing.
 

MyProtector
How to Apply

The average Singaporean working adult is covered for only 2.8 times of their annual income – well below the recommended level of 10-12 times1. When faced with life’s unexpected moments, will you have adequate protection to deal with the inevitable impact on the health of your finances?

MyProtector is a flexible and affordable protection term plan that allows you to choose the coverage your lifestyle needs. This is especially important for cost-conscious consumers who are constantly looking for quality yet value-for-money products customised to their needs. It offers basic protection against death and terminal illness. You can enhance your coverage by complementing your plan with your choice of optional benefits.

Pay only for the protection you need

We offer you choice, customisation and cost-efficiency.

Choice
- Level and Decreasing Term
- Amount of coverage
- Duration of coverage
- Wide range of interest rate (for decreasing term)
- Multiple currency options
- Optional benefits to enhance your protection

Customisation
You can pick and choose from the following benefits that best meet your needs.
- Total and permanent disability
- Critical illness accelerated
- Critical illness premium waiver

Cost efficiency
Unlike packaged term plans, you only pay for the benefits you need.

 

1 Source: Sunday Times, 14 June 2009.

This policy is underwritten by Aviva Ltd.

The information on this page is only an overview of the benefits of MyProtector, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract. The information on this page is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A product summary in relation to MyProtector is available and may be obtained from Aviva Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy.  Buying life insurance products is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value, if any, may be less than the total premium paid. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Information is correct at time of publishing.

 

Wealth Protector
How to Apply

Wealth Protector is a level term insurance plan that delivers extensive insurance coverage at low premiums. It offers tremendous value while protecting you against Death, Terminal Illness, and Total and Permanent Disability (up to age 65).

The plan also allows you the freedom to customise your coverage as needed. You choose a policy term from 5 to 82 years and add optional benefits to enhance your coverage at affordable premiums. Premiums on the base plan are level and guaranteed, and starting early means you pay even less for your coverage.

This policy is underwritten by Aviva Ltd.
The information on this page is only an overview of the benefits of Wealth Protector, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract.
The information on this page is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A product summary in relation to Wealth Protector is available and may be obtained from Aviva Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy.
Buying life insurance products is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value, if any, may be less than the total premium paid. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.
Information is correct at time of publishing.

WellSense
How to Apply

WellSense offers innovative protection for Death, Terminal Illness and 30 Critical Illnesses. The plan is guaranteed renewable, up to age 65 (based on next birthday). We know that you value security and a healthy life, making this combination of coverage and discounts your perfect choice.

For as low as S$18 a month, you will be able to enjoy the following benefits:

  • Premium discounts of up to 20% (based on annual WellSense health screening results) to reward you for staying healthy
  • A choice benefit level of S$50,000, S$100,000, or S$150,000 depending on your needs
  • Annual health screening that begins after your policy is incepted, tailored to your age and profile
This policy is underwritten by Aviva Ltd.
The information on this page is only an overview of the benefits of WellSense, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract.
The information on this page is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A product summary in relation to WellSense is available and may be obtained from Aviva Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy.
Buying life insurance products is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value, if any, may be less than the total premium paid. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.
Information is correct at time of publishing.
 

Yearly Renewable Term Assurance
How to Apply

Yearly Renewable Term Assurance offers you protection against Death and Terminal Illness, with an additional lump sum payable upon Accidental Death during the policy term. The cover is guaranteed renewable, regardless of your health status, up to age 65.

  • You choose the amount of coverage that's right for you: S$50,000, S$100,000, or S$150,000
This policy is underwritten by Aviva Ltd.
The information on this page is only an overview of the benefits of Yearly Renewable Term Assurance, and not a contract of insurance. The detailed terms and conditions of this plan are provided in the relevant policy contract.
The information on this page is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A product summary in relation Yearly Renewable Term Assurance is available and may be obtained from Aviva Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy.
Buying life insurance products is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value, if any, may be less than the total premium paid. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.
Information is correct at time of publishing.
 

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