MyRetirement

Brighter tomorrows shouldn't have to come at today's expense

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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 back¹ plus receive extra cash to boost your retirement funds.

Flexible withdrawal options

Decide if you want to withdraw a partial or full lump-sum payout, or continue to receive 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 Income²	For 10 years, beginning just 1 month after your chosen Retirement Age
100% capital guaranteed¹	Get all your premiums back at the selected Retirement Age
Guaranteed returns	Up to 2.38% per annum³
Choice of Retirement Age	50, 55, 60, 65, 70 or 75 Age Next Birthday (ANB)
Choice of premium payment term	8 or 10 years, or regular premium payment (up to 5 years before your selected Retirement Age)
Income payout options	• Choose to withdraw a partial or lump-sum payout, or receive monthly income from your selected Retirement Age • Receive potential bonuses⁴ at the end of policy term • Withdraw accrued Reversionary Bonus⁵ as you desire
Hassle-free application	No medical check-ups needed

Add-ons for extra protection

Need enhanced coverage? Consider these add-ons⁶ when you purchase MyRetirement plan.

EasyPayer Premium Waiver

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

EasyTerm

A lump-sum cash payout of up to 5 times your basic plan’s annual premium in the event of death, Terminal Illness or Total and Permanent Disability.

Cancer Premium Waiver II

Upon diagnosis of Major Cancer, all future premiums of your basic plan, and future EasyTerm premiums (if attached) are waived until the end of the rider term so as to help you save for your goals.

Footnotes

Terms and Conditions apply.

For more 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.

¹Capital is guaranteed at the selected Retirement Age (i.e. at the end of the accumulation period) only, provided that you pay all required premiums before the end of the grace period.

²The minimum Guaranteed Retirement Income Benefit per month you can enjoy is the higher of

a) S$350; or
b) the amount based on the minimum annual premium of at least S$450.

³Guaranteed returns of up to 2.38% per annum is only upon policy maturity. This is based on the following criteria: male, 17 ANB, non-smoker, who opted for an 8-year limited premium payment term, paying annual premiums of S$3,692 and choosing a Retirement Age of 75 ANB to receive monthly Guaranteed Retirement Income of S$1,000 for 10 years.

⁴You will enjoy both Reversionary Bonus and Terminal Bonus as Aviva Ltd distributes a share of its Participating Fund profit to you in the form of such bonuses. The Reversionary Bonus and Terminal Bonus are non-guaranteed bonuses and depend on the performance of Aviva Ltd's Participating Fund. Reversionary Bonus is non-guaranteed, but once declared and vested, it forms part of the guaranteed benefit of the Policy. Terminal Bonus is non-guaranteed and it may be credited upon an insurance claim, surrender of the Policy or upon policy maturity. Please refer to the Product Summary for details.

⁵The 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.

⁶Please speak to your financial adviser representative for the available riders. For more details on the riders, please refer to their respective Product Summaries.

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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 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 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. 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 last updated 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 (www.lia.org.sg or www.sdic.org.sg).