MyWholeLifePlan II

Plan for the unforeseen, all the way to the very end

A plan that helps you save, while providing cash for when you die or become seriously ill1

Lifetime coverage

For death and terminal illness

2-4 times the chosen coverage amount

High coverage up to age 70, when you need it the most2

Save while you enjoy high protection coverage

Accumulate cash value and bonuses3

Comprehensive cover, great flexibilities and returns

Now you can combine protection with savings in one simple plan

Key Benefits Coverage / Options
Get money when you die or become terminally ill 
High coverage of 2 times, 3 times or 4 times the chosen Sum Assured
Up to age 70
Choice of premium payment term
10, 15, 20 or 25 years
Option to receive a monthly income 
From age 65 or end of the premium term (whichever is later) to age 99
Get extra coverage when you need it, minus health checks

Opt for extra coverage on death and terminal illness (TI) without further health underwriting within 90 days from the following key life events: change of marital status, become a parent, graduation from tertiary education, purchase of property.

Choice of coverage of up to 100% of the original sum assured or a maximum of S$300,000 per life covered, whichever is lower.

Premiums on hold, with interest waived if you lose your job 
Up to 1 year4

Level up your cover

Need enhanced coverage? Consider these add-ons5 when you buy

MultiPay Critical Illness Cover II

Up to 5 lump sum payouts, totaling 500% of the chosen Sum Assured upon diagnosis of various stages of Critical Illnesses, including up to two payouts for re-diagnosed cancer and recurrent heart attack or stroke. Also get Good Health Reward - 20% of chosen Sum Assured, when you do not make any claim.

Critical Illness cover

Get money from the time your doctor gives you the diagnosis for critical illness with Early Critical Illness Advance Cover II and Critical Illness Advance Cover II.

Total and Permanent Disability Advance Cover II

If you become permanently disabled you get up to 4 times the Sum Assured with Total and Permanent Disability Advance Cover II.

Premium Waiver Riders

When you're ill, focus on getting better instead of worrying about having to continue paying for insurance with Premium Waiver riders.

Ready to talk about protection?

Make an appointment with us or speak to your preferred financial adviser representative

Make an appointment

Go on, treat yourself - and let us pay for it!

Purchase this plan and enjoy shopping vouchers, e-vouchers, dining treats or hotel stays on us!

Treat yourself!

Click for important notes and disclaimers

Terms and Conditions apply.

For complete details, please refer to the product brochure and product summary or speak to your preferred financial adviser representative.

  • Wherever age is mentioned, it's calculated based on age next birthday.

1MyWholeLifePlan II 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. 

2MyWholeLifePlan II offers a choice to enhance the Basic Benefits of Death and Terminal Illness by 2 times, 3 times or 4 times the Sum Assured, including its optional riders such as the Total and Permanent Disability Advance Cover II, Critical Illness Advance Cover II and Early Critical Illness Advance Cover II. This enhanced coverage will start from policy inception, and end at the policy anniversary when the Life Assured attains 70 age next birthday (ANB). Thereafter, the Life Assured will continue to enjoy coverage without Enhanced Cover; refer to Product Summary for details.

3MyWholeLifePlan II accumulates guaranteed and non-guaranteed cash value from the start of the 3rd policy year as long as the premiums are paid up to date. The non-guaranteed cash value is accumulated in a form of Reversionary Bonus (declared annually) and Terminal Bonus and will depend on the performance of Aviva Ltd's Participating Fund. Please refer to the Product Summary for more details.

4Waiver of Interest benefit is for policyholders aged 19 to 75 ANB, provided the policy has cash value to cover the total outstanding premiums. Proof of unemployment is required. For more details and Terms & Conditions, please refer to the Product Summary.

5For complete list of applicable riders, terms & conditions, coverage and exclusions, please refer to the product summary. 

The policy is underwritten by Aviva Ltd.

This 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 copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor's offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser representative, before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you. 

Buying a life and health insurance policy is a long-term commitment. Early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. This 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 last updated 16 Jan 2018.

This policy is 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 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 Singapore or SDIC websites ( or