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The power to retire better

Consider all the positives when it comes to retirement.

Start retirement with a bang

Have some cash to put aside for a celebration – a party, a dream trip and maybe a fresh start in a purpose-built home.

Plan for a sustainable lifestyle

Having a monthly income in your twilight years gives you independence and freedom.

Built-in protection against disability

For bumps along the way, especially with all the risks that may come with old-age.

Retire better, with all the options you need

You may still have a long journey ahead after retirement. Make sure you have enough, no matter what happens

Key benefits Coverage / Options
Choice of retirement age You decide your retirement age
Guaranteed Monthly Income period From 5 years to 35 years1
100% Capital guaranteed At the end of the accumulation period2
Guaranteed returns Up to 2.63% per annum3
Choice of premium payment term 5, 10, 15, 20 or 25 years
Income payout options

• Guaranteed Monthly Income (GMI) + potential Monthly Cash Bonuses4 (MCB)

• Option to receive a lump sum bonus at your retirement age, or convert the lump sum bonus into Additional Monthly Income (AMI)

• Choose to re-invest your monthly retirement income at 3% p.a. (non-guaranteed)

Care Income Benefit Receive an additional Guaranteed Monthly Income if you are unable to do 3 out of 6 activities of daily living5
Hassle-free application No medical check-ups needed
Total and Permanent Disability Premium waiver No need to pay premiums if you become disabled6

Level up your cover

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

EasyPayer Premium Waiver

7In the event of Death, Terminal Illness or Total Permanent Disability of the policy owner, all the future premiums are waived and your loved one's retirement fund will continue to grow.


7Lump sum cash payment in the event of Death, Terminal Illness or Total and Permanent Disability of up to 5 times your basic plan's total annual premium. Pay all or part of your mortgage, your children's education, or leave behind a trust for your dependants.

Premium Waiver riders for Critical Illness

7Opt from a range of premium waiver riders to get extra coverage. Upon diagnosis of Major Cancers or any of the 35 critical illnesses, all future premiums of your basic plan, and the future EasyTerm premiums (if attached) are waived until the end of the rider term so as to help you save for your retirement goals. 

Ready to talk about protection?

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

Terms and Conditions apply.

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

1Payout period of the retirement income can be from 5 years (at every 1 year interval) up to 35 years. Age 99 (age next birthday) must be the last age of receiving Monthly Total Income.

2Capital guarantee only applies at the end of chosen accumulation period after 100% of the total premium amount is paid before the end of grace period. 

3The Guaranteed return of 2.63% per annum is for illustration purpose and is based on the following criteria – Female, aged 17 at next birthday, non-smoker, who opted for Premium Term: 5 years, Accumulation Period: 38 Years, Guaranteed Monthly Income: S$1,000, Income Payout Period: 15 years and Annual premium: S$10,290.45 per year. The Guaranteed return only applies at the end of the policy term after the policy matures.

4Guaranteed Monthly Income (GMI) and Monthly Cash Bonuses (MCB) are part of the Monthly Total Income (MTI) benefit which the policyholder will receive at the end of the Accumulation Period. MTI may also include the Additional Monthly Income (AMI) if the policyholder decides to convert their accrued Revisionary Bonus to AMI at the end of Accumulation Period. Accumulation period is the period from the Premium End Date of the Basic Plan until the Policy Anniversary prior to the date of the first GMI payout. Policyholder will receive the MTI, less any amount owing to Aviva for the selected Income Payout Period. Payments of the MTI will start one month following the selected Accumulation Period throughout the Income Payout Period as chosen by policyholder. The MCB is not guaranteed.

5During the Income Payout Period, if the Life Assured is unable to perform at least three of the six Activities of Daily Living (ADLs) despite the aid of special equipment, and requires the physical assistance of another person to perform the ADLs (the "Partial Disability Definition"), Aviva will pay Care Income Benefit equivalent to the chosen GMI starting from the next GMI payment date, after a 90 days period from and including the date of commencement of the Partial Disability (the "Deferment Period"). 

The Care Income Benefit will be paid together with the MTI as long as the Life Assured meets the Partial Disability Definition during the Income Payout Period. This benefit will end immediately on the date the Life Assured no longer meets the Partial Disability Definition or upon the death of the Life Assured. The diagnosis of the Partial Disability must be confirmed and certified by a Registered Medical Practitioner. Please refer to the Product Summary for details.

6"Total and Permanent Disability" or "Totally and Permanently Disabled" is defined as any of the following:     
     i. Disability which is total and permanent and persists continuously for at least six months, with the Life Assured incapable of performing any work or engaging in any occupation or profession to earn or obtain wages, compensation or profit, from the time when the disability started.     
    ii. Total and irrecoverable:           
        a. Loss of sight of both eyes;           
        b. Loss of sight of one eye and loss by severance or loss of use of one limb at or above the ankle or wrist;           
        c. Loss by severance or loss of use of:                 
            - Both hands at or above the wrists;
            - Both feet at or above the ankles; or
            - One hand at or above the wrist and one foot at or above the ankle.     
    iii. In the event where the Life Assured becomes totally and permanently unable to perform (due to disease, illness or injury) at least three of the six Activities of Daily Living (ADLs) (despite the aid of special equipment) and requires the physical assistance of another person to perform at least three of the following six ADLs for at least six continuous months.

A Registered Medical Practitioner must first confirm and certify the diagnosis of Total and Permanent Disability before Aviva admit any claim for this Premium Waiver.

7For complete details on riders, please refer to their respective Product Summaries.

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. 

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 this plan can be found in the relevant policy contract.

Information last updated in Sept 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