MyEasySaver

The plan that lets you spend while you save

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Saving shouldn't be tough on your spending

Enjoy the security of future savings while still having the freedom to spend wisely.

An easy way to commit to your savings goal

Start saving from just S$3.61 per day¹.

Spend while you save

Receive annual payout from the end of the 2^nd policy year onwards so that you can enjoy shopping, travelling or whatever you fancy.

Set aside cash for when you need it in the future

Receive guaranteed lump-sum payout² plus potential bonuses³ at the end of the policy term.

Spend on the good stuff, guilt-free

It's easy when you've committed to a steady savings plan with an annual cash payout.

Key benefits	Coverage / Options
Guaranteed Cash Benefits⁴	Receive yearly payout from the end of the 2^nd policy year onwards. Each annual payment is 5% of the Sum Assured⁵you've chosen
Guaranteed lump sum payout² plus potential bonuses³	At the end of the policy term
Potential returns	Up to 2.88% per annum⁶ at the end of the policy term
Choose premium payment term and policy term	12, 15, 18 or 25 years
Choose how you want to enjoy your Guaranteed Cash Benefits	• Receive and spend the Guaranteed Cash Benefits • Re-invest the Guaranteed Cash Benefits with Aviva at the prevailing non-guaranteed interest rate⁷ • Withdraw any re-invested Guaranteed Cash Benefits with interest
Protection Cover	For Death, Terminal Illness and Accidental Death⁸
Hassle-free application	No medical check-ups needed

Level up your cover

Need enhanced coverage? Consider these add-ons⁹ when you buy MyEasySaver.

Cancer Premium Wavier II

Upon diagnosis of Major Cancer of the policy owner, all your future premiums are waived, so you don't have to worry about your savings as you focus on getting better.

EasyTerm

A lump sum cash payment of up to 10 times your basic plan's annual premium. This is paid out when you die or if you become terminally ill or permanently disabled. With the funds, you can pay all or part of your mortgage, your children's education, or provide a legacy for your dependants.

EasyPayer Premium Waiver

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

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.

¹Premium is based on a male, non-smoker who chose a Sum Assured of S$15,000 for a 25-year premium payment term and policy term. Illustrated daily premium rate is derived by dividing the annual premium amount by 365 days, rounding up to the nearest one cent.

²The guaranteed lump-sum payout refers to the Guaranteed Maturity Value payable at the end of the policy term. The total guaranteed benefits at the end of the policy term is 160% of the Sum Assured.

³The potential lump-sum bonuses refer to the projected bonuses which are made up of accrued Reversionary Bonus and Terminal Bonus (if any). The Reversionary Bonus and Terminal Bonus are non-guaranteed bonuses and depend on the performance of Aviva Ltd's Participating Fund. The Reversionary Bonus is non-guaranteed, but once declared and vested, it forms part of the guaranteed benefit of the policy. The non-guaranteed benefits are projected based on the estimated bonus rates and actual benefits payable will depend on the future performance of Aviva Ltd's Participating Fund. Please refer to the Product Summary for more details.

⁴The Guaranteed Cash Benefits will start from the end of the 2^nd policy year, payable yearly at the end of each policy year, till the policy year before maturity, as long as the Life Assured lives. Each Guaranteed Cash Benefit is equivalent to 5% of the Sum Assured on the basic plan. Please refer to the Product Summary for more details.

⁵The Sum Assured in the basic plan is used to determine the Guaranteed Cash Benefits payable and is not the Death Benefit.

⁶Potential returns are based on a male, non-smoker who chose a Sum Assured of S$300,000 and paying annual premium for a 25-year premium payment term and policy term. The 2.88% per annum is derived based on the projected investment rate of return of 4.75% per annum, assuming the Guaranteed Cash Benefits are re-invested at the non-guaranteed interest rate of 3% per annum.

⁷For the re-investment option, please refer to the Policy Illustration for the prevailing non-guaranteed interest rate. Aviva Ltd reserves the right to revise the non-guaranteed interest rate based on future experience.

⁸Upon death of the Life Assured within the policy term, Aviva Ltd will pay, in one lump sum, the higher of 101% of the total premiums paid on the basic plan less any Guaranteed Cash Benefits paid or the Guaranteed Cash Surrender Value, plus any accrued Reversionary Bonus and Terminal Bonus (non-guaranteed) and any re-invested Guaranteed Cash Benefits with non-guaranteed interests (if not previously withdrawn), less any amount owing to Aviva Ltd. Aviva Ltd will pay the Terminal Illness Benefit as an advancement of the Death Benefit during the policy period. For details, please refer to the Product Summary. We will pay the Sum Assured on the basic plan, in addition to the Death Benefit in one lump sum, if death is due to accidental injury before 80 Age Next Birthday within the policy term.

⁹Please speak to your financial adviser representative for the available riders. For more details, please refer to their respective Product Summaries.

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