Lifetime assurance at an affordable price
A life insurance plan that you can buy yourself
Coverage as long as you live
Payout when you die or get a Terminal Illness or when Total and Permanent Disability happens before age 65
Accumulate potential bonuses
This means more cash at your payout
Premiums don't change
The same premium guaranteed, for your entire life
An easy way to leave a legacy
Just a simple plan to start or add to your portfolio
|Key benefits||Coverage / Options
||Death, Terminal Illness and Total and Permanent Disability
|Entry age (age next birthday)
||Age 19-65 (depending on the Premium Payment Period)
|Country of residence
||For residents of Singapore
||from S$50,000 to S$200,000|
|Death and Terminal Illness (TI) coverage period||Whole life
|Total and Permanent Disability (TPD) coverage period
||Ends after age 65
|Accumulate Cash Value||Yes|
|Premium Payment Period
||Choose to pay either till age 70 or age 85
|Premium Payment Options
||Choose to pay either monthly, quarterly, half-yearly or yearly|
Level up your cover
Need enhanced coverage? Consider this add-on when you buy
DIRECT- Aviva Critical Illness Cover (CI)
Get a lump sum payout when you are diagnosed with any of the 30 critical illnesses3
Got any questions?
What are the Direct Purchase Insurance (DPI) plans offered by Aviva?
There are two: DIRECT-Aviva Term Life and DIRECT- Aviva Whole Life (this page)
Who is eligible to apply for the DPI plans?
Any resident in Singapore (including foreigners who are holding a valid Employment Pass, Work Pass, Dependant Pass or Student Pass) who is between 19 to 65 years old (age next birthday).
Do I need to submit any medical reports or undergo any medical check-ups?
How do I know if my application has been successfully completed?
We'll send you a confirmation email and mail you the policy documents. If there are issues or further details from you are needed, we will call or email you to let you know.
Who can I approach for assistance for online application?
Call us at 6222 8482, or visit us at our customer service hall during regular office hours.
How can I make a claim?
You'll need to complete a claim form and return it to us. There are four ways to do so:
- Download the claims form from our corporate site
- Call our customer service hotline at +65 6827 9933
- Email email@example.com to request for one
- Visit our Customer Service Hall during office hours to obtain a printed form
Need more information?
Here are the steps to apply.
Wherever age is mentioned, it's calculated based on age next birthday.
1This plan covers death and terminal illness for whole of life. Upon diagnosis of terminal illness of the Life Assured, Aviva will pay the Terminal Illness Benefit as the advancement of the Death Benefit, less any amount owing to Aviva, in one lump sum. Policy has to be in force at time of claim.
2Potential bonuses are made up of accumulated Reversionary Bonus and Terminal Bonus (if any). The Reversionary Bonus and Terminal Bonus are non-guaranteed and depend on the performance of Aviva Ltd's Participating Fund. The Reversionary Bonus will form part of the guaranteed benefit of the policy once they are declared and vested. Please refer to the Product Summary for more details.
3DIRECT– Aviva Critical Illness Cover rider does not cover pre-existing medical conditions and claims made in relation to selected critical illnesses within the 90-day waiting period (from policy start date). In the case of a claim for Angioplasty & Other Invasive Treatment for Coronary Artery, 10% of the sum assured for this rider, subject to a maximum of S$25,000, is payable. Premium rate for the rider is non-guaranteed and may be adjusted by us based on future claims experience. Please refer to the Product Summary for more details.
The policies are underwritten by Aviva Ltd.
The information on this page is for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. Product Summaries for direct purchase insurance may be obtained from Aviva Ltd and www.aviva.com.sg.
As direct purchase insurance are sold without financial advice, you should make sure you have carefully assessed your insurance needs as well as whether you can afford the premiums for the duration of the policy. You should also read the Product Summary, Policy Illustration, Direct Purchase Insurance Factsheet and all related information on www.aviva.com.sg to understand the features of the product and assess whether the product you have chosen is appropriate to your financial needs and insurance objectives.
As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or 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 is not a contract of insurance. Full details of the standard terms and conditions of the plans can be found in the relevant policy contract.
Information last updated Sept 2018
The policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required for 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 us or the Life Insurance Association Singapore or SDIC website (www.lia.org.sg or www.sdic.org.sg).