MyWholeLifePlan III

Lifetime protection, cash returns & flexibility to boost coverage

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Don't just live life – live confidently

Only 42% of Singaporeans think they have adequate financial protection for their dependants if they die1. That's why we've created a plan to help you live confidently. Our comprehensive whole life insurance provides lifetime protection and cash returns2 while allowing you to enhance your coverage when it's really needed.

Lifetime coverage and cash returns

Plan accumulates cash value and bonuses2, and gives a payout for Death or Terminal Illness3.

Options for increased protection

Increase your protection by up to an extra 400% of your base coverage4.

Personalise the coverage period

Choose the duration of your increased protection up to 75 Age Next Birthday (ANB)4.

What MyWholeLifePlan III offers

Comprehensive lifelong financial protection against death and terminal illness. And flexibility to personalise your increased protection, while accumulating cash value and bonuses.

Key benefits

  • Lifetime cover
    Payout in the event of Death or upon diagnosis of a Terminal Illness3.
  • Options for higher coverage
    Enhance coverage by an extra 100%, 200%, 300% or 400% of base coverage and personalise the coverage up to age 65, 70 or 75 ANB4.
  • Accumulates cash value and bonuses2
    While giving you comprehensive protection.
  • Choice of premium payment term
    Pay regular premiums for 10, 15, 20 or 25 years.
  • Option to receive monthly income5
    A regular income stream up to age 99 ANB to supplement retirement needs, while bonuses continue to grow.
  • Increase coverage when you reach key milestones in life6
    Flexibility to increase your coverage at key life events, without further health underwriting.
  • Interest waiver for premiums put on hold7
    If you lose your job.

Add-ons to suit your needs

Need enhanced coverage? Consider these add-ons (riders8) when you purchase our whole life insurance.

Total and Permanent Disability (TPD) rider

Consider this rider to make sure you're insured against TPD, so you can worry less about finances should TPD befall you.

Critical Illness riders

Choose from a range of riders to get covered against various stages of critical illnesses.

Premium Waiver riders

With these riders, you don't have to worry about paying your premiums again. We'll waive your premiums if ever the unexpected happens to you so you can focus on what really matters.



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This 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 particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributors' offices. You should read the Product Summary before deciding whether to purchase the product. 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. 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 a health insurance policy that is 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 this policy can be found in the relevant policy contract.

Information is accurate as at 26 August 2020. This advertisement has not been reviewed by the Monetary Authority of Singapore. 

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 or SDIC websites ( or