For Individuals

Life & Health - Term Life

No one knows what the future has in store, but at Aviva we know how to protect you and your loved ones against the uncertainties life may throw at you. With term life insurance you can protect yourself and your family against death, total and permanent disability and critical illness at affordable premiums.

Protection and flexibility are important factors in a term life insurance plan, and that’s what we offer at Aviva as part of our ongoing relationship with you. Our range of term life insurance 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.

IdealCI Protector

LIA Code of Life Insurance Practice
Application form for IdealCI Protector

Please contact your preferred Financial Advisor, or an Aviva Advisor, for a copy of the relevant Product Summary/ies.

Need Help?

Global Protection

How to Apply

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.
 

 

Global Protection 

Information Brochure
Application Form for Global Protection
Application Form for Global Protection - Supplementary Questionnaire
Direct Debit Instruction Form
LIA Code of Life Insurance Practice

Please contact your preferred Financial Advisor, or an Aviva Advisor, for a copy of the relevant Product Summary/ies.

Need Help?

MyProtector

 

Protection that is customised to you. Uniquely.

Fact: Singaporeans are 11 times underinsured1.

Fact: In Singapore, the top causes of death are cancer (30.1%) and pneumonia (16.8%) which together, cause every 2 in 5 deaths2.

When faced with odds like these, can you fully protect the all that you leave behind?

MyProtector is a flexible and affordable term protection plan that allows you to choose the coverage you really need.  If you’re concerned about the future should the worst happen, MyProtector will give quality, value-for-money coverage for you and your family.

Choose only what you need with MyProtector.

  • Specially designed to empower you to select the precise coverage that you need.
  • Pays a lump sum in the event of death or upon diagnosis of a Terminal Illness within the policy term.
  • Allows you to enhance your coverage by complementing your plan with your choice of riders.
  • Lets you choose between level term and decreasing term.

Level Term with MyProtector-Level Plus

A simple yet cost effective level term insurance plan that pays a guaranteed sum in the event of death or diagnosis of Terminal Illness.

Decreasing Term

MyProtector can also pay a decreasing sum year-on-year over the term of the policy, ideal for coverage of reducing debts such as mortgages and loans. You can choose 1%, 2%, 3%, 4%, 5%, 7% or 9% to suit your requirement.

Plus, we offer further customisation options with add-ons like
  • Choice of coverage term of up to age 99
  • Protection coverage for your spouse3
  • Worldwide coverage4
  • Choice of premium currency and payment method
For MyProtector-Level Plus, there are also these additional features:
  • Guaranteed renewable every 5 years or 10 years upon renewal5 for the same policy term
  • Increase cover at key life events6
  • No Nationality Loading 
To find out more, download the product brochure or speak to your preferred financial adviser today.

What you need to know

1. Source: “Studies show Singaporeans grossly underinsured” by Jo-ann Huang posted on 19 November 2010 on Channel NewsAsia website.

2. Source: Ministry of Health – “Principal Causes of deaths in 2012”. Posted here.

3. Spouse must be the legal wife/husband of the applicant and must not be divorced or legally separated from the applicant.

4. Terms and conditions apply.

5. Guaranteed Renewable Option (GRO) is only applicable to policy term 5 years or 10 years only. Upon renewal, the Life Assured is insured for at most the same Sum Assured as before the renewal date and for the same policy term. No new policy will be issued. GRO is also applicable to Enhanced Total and Permanent Disability Benefit and/or Enhanced Critical Illness Accelerated Benefit, if attached to the basic Policy at inception. Please refer to the Product Summary for more details. Premiums payable for the renewed Policy will be based on the Life Assured’s attained age and the prevailing premium rates at the date of renewal.

6. The policyowner may opt for this option at each of the following key life events without providing evidence of health:

a)  the Life Assured marries or divorce (i.e. change of marital status)
b)  the Life Assured becomes a parent by having a new born child, or legally adopts a child (i.e. adding a new child member to the immediate family)
c)  the Life Assured graduates from tertiary education.

This option allows the policyowner to increase Sum Assured of the basic policy up to 50% of MyProtector-Level Plus basic Sum Assured, or up to a maximum of S$250,000 per life, whichever is lower. The limits are set for MyProtector-Level Plus, irrespective of the number of MyProtector-Level Plus Policies the Life Assured may have and the number of times the policy is renewed (under the GRO).This option is extended to standard life only. Please refer to the Product Summary for more details.

The 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.

 

Enhance your coverage by complementing your plan with your choice of riders.

You can choose to add these riders to MyProtector-Level Plus and MyProtector Decreasing:

MyProtector-Level Plus

Enhanced Total and Permanent Disability Benefit

  • Pays a lump sum payment upon Total and Permanent Disability and coverage of up to age 70.

Enhanced Critical Illness Accelerated Benefit

  • Coverage for 36 major critical illnesses and coverage up to age 99.

Critical Illness Premium Waiver7

  • Waiver of future premiums upon diagnosis of the Critical Illnesses covered

Male/Female Illness Cover II

  • Pays a lump sum payment upon diagnosis of the specific male/female illness covered. It also reimburses medical expenses of the covered surgical procedures.

Accidental Death and Dismemberment Benefit

  • Pays a lump sum payment in the event of accidental death or dismemberment.

Payer Critical Illness Premium Waiver7

  • Waiver of future premiums if the policyowner is diagnosed with one of the covered Critical Illnesses.

Payer Premium Waiver Benefit7

  • Waiver of future premiums if the policyowner dies, or is diagnosed with Terminal Illness or Total and Permanent Disability.

MyProtector Decreasing

Total and Permanent Disability Benefit

  • Pays a lump sum payment upon Total and Permanent Disability; coverage up to age 70.

Critical Illness Accelerated Benefit

  • Coverage for 30 major critical illnesses; coverage up to age 99.

Critical Illness Premium Waiver7

  • Waiver of future premiums upon diagnosis of the critical illness covered.

For more information, download the product brochure  or speak to your preferred financial adviser today.

What you need to know

7.  For more information, please refer to the Key Provisions in the Product Summary.

The policy is underwritten by Aviva Ltd.

This brochure 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. 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. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This brochure is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract.

Information is correct at time of publishing.

Speak with your preferred Financial Adviser.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the SDIC. Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Aviva Ltd or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

 

MyProtector

Information Brochure
icn-pdf Application Form for MyProtector
icn-pdf Change of Premium Payment Method Form

Please contact your preferred Financial Advisor, or an Aviva Advisor, for a copy of the relevant Product Summary/ies.

 Need Help?

Contact Us

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