Choose the savings plan that works hard for you

Get high guaranteed returns at the end of the policy term 

High rate of return

Guaranteed returns of up to 2.35%1 and 100% capital guaranteed2 at the end of the policy term.  

Choose when to receive your payout

Your money is ready for the taking, anytime between 10 to 25 years.

No need to commit to paying premiums for a long time

Premium term as short as five years.

Your money. Your plan.

Whatever your savings goal is, you have the flexibility to choose the premium payment term and also when to receive your payout.

Key benefits Coverage / Options
Guaranteed returns  Up to 2.35% per annum1
100% Capital Guaranteed2 At the end of the policy term
Guaranteed lump sum payout plus potential bonuses3 At the end of the policy term
Choice of premium and policy term

• Pay premiums for only 5 years and choose a policy term between 10 to 25 years

• Opt to pay premiums for only 10 years and choose a policy term between 13 to 25 years

Protection Cover Death and Terminal Illness4
Hassle-free application No medical check-ups needed

Level up your cover

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

Cancer Premium Waiver

5Upon diagnosis of Major Cancers6 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.


5In the event of Death, Terminal Illness or Total and Permanent Disability, a lump sum amount of up to 5 times your basic plan's annual premium is paid out. 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

5In 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.

Ready to talk about savings?

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 2.35% per annum is only upon policy maturity. This is based on the assumption that a male, age 35 years at Age Next Birthday, non-smoker, opting for Sum Assured of S$100,000 paying an annual premium of S$ 11,710 for 5 years premium term and 25 years policy term.

2100% Capital Guaranteed applies upon policy maturity, where at least 100% of the total premiums paid over the premium term will be payable. Actual guaranteed returns and projected total returns will vary according to the selected premium term and policy term.

3Projected Bonuses are made up of accumulated 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. 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 the Life Participating Fund. Please refer to the Product Summary for more details.

4On the death of the Life Assured while the policy is in force, Aviva Ltd will pay, higher of (105% of total installment premiums paid on Basic Plan or the Guaranteed Cash Surrender Value); and any accumulated reversionary bonuses and terminal bonuses, less any indebtedness, in one lump sum (subject to applicable regulations). Upon diagnosis of Terminal Illness of the Life Assured while the policy is in-force, Aviva Ltd will pay the Terminal Illness Benefit in one lump sum, as an advancement of the Death Benefit. For details, please refer to the Product Summary.

5For more details on the riders, please refer to the Key provisions in the Cancer Premium Waiver, EasyTerm and EasyPayer Premium Waiver Product Summary respectively. It contains details of Exclusions, Waiting Period and Survival Period (if applicable).

6Definition of Major Cancers: A malignant tumour positively diagnosed with histological confirmation and characterized by the uncontrolled growth of malignant cells with invasion and destruction of normal tissue. The term malignant tumour includes leukemia, lymphoma and sarcoma. Please refer to the Product Summary for the exact terms and conditions.

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