Plan to retire in comfort

Shouldn't retirement be a time to relax and not worry about having enough money?

Get a monthly paycheck

Continue to receive an income even though you've stopped working.

100% Capital guaranteed plus bonus cash at the end of your policy term

Get all your premiums back plus receive extra cash to boost your retirement funds.

Flexible withdrawal options

Decide if you want to withdraw a partial or full lump sum, or continue with monthly income.

A solution that's simple, safe and sure

Many people find retirement planning too complicated, so we're keeping ours easy to plan

Key benefits Coverage / Options
Monthly Guaranteed Retirement Income For 10 years, beginning just one month after your chosen Retirement Age
100% Capital guaranteed   Get all your premiums back at the selected Retirement Age
Guaranteed returns Up to 2.38% per annum1
Choice of retirement age 50, 55, 60, 65, 70 or 75 Age Next Birthday (ANB)
Choice of premium payment term 8 years, 10 years, or affordable regular payment (up to five years before your selected Retirement Age)
Income payout options • Choice to withdraw partial or lump sum, or receive monthly income at your selected Retirement Age
• Receive potential bonuses2 at the end of policy term 
• Withdraw accumulated reversionary bonuses2 at any time
Hassle-free application No medical check-ups needed

Increase your cover

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

EasyPayer Premium Waiver

3In the event of Death, Terminal Illness or Total and Permanent Disability of the policy owner, all the future premiums are waived and your loved one's retirement fund will continue to grow.


3A 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.

Cancer Premium Waiver

3Upon diagnosis of Major Cancers, 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 goals. 

Ready to talk about retirement?

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.


1Guaranteed returns of up to 2.38% per annum is only upon policy maturity. This is based on the entry age of 17 Age Next Birthday (ANB) with eight years limited premium payment term where customer will receive monthly Guaranteed Retirement Income of S$1,000, based on 75 (ANB) as selected Retirement Age.

2You 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.

3For 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 ( or