Don't want to skimp on style when you retire?
Plan for extra cash to cushion the impact of inflation on your standard of living
A monthly paycheck for 20 years that increases year on year
With rising costs, shouldn't your income rise too?
100% Capital guaranteed plus bonus cash at the end of your policy term
Get all your premiums back plus extra cash to boost your retirement funds.
Flexible withdrawal options
Decide if you want to withdraw a partial amount or lump sum, or continue with monthly income.
A retirement income that increases every year
Plan to meet the rising cost of living in future years and supplement your CPF savings for retirement
|Key benefits||Coverage / Options|
|Monthly Guaranteed Retirement Income that increases to cushion inflation’s impact
||Increases at 3.5%1 each year for a maximum of 20 years|
|100% Capital guaranteed||Get all your premiums back at the selected retirement age|
|Choice of retirement age||50, 55, 60, 65, or 70 Age Next Birthday (ANB)|
|Choice of premium payment term||5 years, 10 years or affordable regular payments (up to five years before your selected retirement age)|
|Flexibility to choose the withdrawal options||
• Choice to withdraw partial amount or lump sum, or receive the Monthly Guaranteed Retirement Income for the next 20 years - when you reach your retirement age
• Receive potential bonuses1 at the end of policy term or withdraw accumulated reversionary bonuses1 at any time
|Hassle-free application||No medical check-ups needed|
Level up your cover
Need enhanced coverage? Consider these add-ons when you buy
Premium waiver riders
2When you're ill, focus on getting better instead of worrying about having to continue paying for insurance with Premium Waiver riders.
Accidental Fracture Cover
2If you accidentally fracture or dislocate a bone, get a payout of up to 100% of your sum assured. You can also additionally claim for physiotherapy treatment.
2A lump sum cash payment of up to 5 times your basic plan's total annual premium. This is paid out when you die or if you become terminally ill or totally and permanently disabled. With the lump sum, pay all or part of your mortgage, your children's education, or provide a legacy for your dependants.
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.
1You will enjoy both Reversionary and Terminal Bonuses as Aviva Ltd distributes a share of its Participating Fund profit to you in the form of such bonuses. The Reversionary and Terminal Bonuses are non-guaranteed bonuses and depend on the performance of Aviva Ltd's Participating Fund. Reversionary Bonus is non-guaranteed, but once declared, it forms part of the guaranteed benefit of the Policy. The accrued Reversionary Bonus may be withdrawn for its equivalent cash value (note that this is less than the actual accrued Reversionary Bonus value in nominal terms and is only available after the second policy year) either partially or fully. Please refer to the Product Summary for details.
2For more details on riders, please refer to the Key Provisions in the respective Product Summary document. It contains details of Exclusions, Waiting Period, Survival Period (if applicable) and Benefit Limitation (if applicable).
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. 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 October 2017.
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 (www.lia.org.sg or www.sdic.org.sg).