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AIA Secure Flexi Term

Safeguard your loved ones' future with an affordable and flexible term life insurance plan that's just right for your needs.

Currency:

S$

Period:

Term

Issue Age:

Varies

Benefits for you

High coverage at affordable premiums

Be protected from just S$1.36 a day for S$1 million coverage.

Guaranteed premiums

Your premiums will stay the same throughout the policy period, based on the age when you first sign up.

Choice of coverage options

Choose from renewable or level term options for long-term protection.

Learn more

Flexible plan conversion

Convert to selected AIA plan before age 70 with no further medical questions asked.

More info

Safeguard your protection with either:

(a) Renewable term option for 5, 10, 20 or 30 years; or

(b) Level term option up to age 65 or 75

Better Choice, Better Health

Make the choice towards better health than before with AIA Vitality, one of the most comprehensive wellness programmes in Singapore. Through a wide spectrum of tools and benefits that target different aspects of your health, AIA Vitality supports you to make positive behavioural changes that improve your overall wellness.
 
As an AIA Vitality member, you will enjoy upfront premium discount on your first year's premium for the plan and eligible riders. As you get healthier and improve your AIA Vitality status, you will enjoy greater discounts of up to 15% – which means lower costs on your coverage! So the higher your AIA Vitality status, the more you save!
 
Please click here for further details.

Do you want additional peace of mind?

You may choose to enhance your protection by adding optional coverage to your term insurance plan.

Supplement your protection with Critical Cover rider that provides the comfort of financial assistance when any of the 43 covered critical illnesses strikes.

Furthermore, extend your coverage by adding a Early Critical Cover rider to be protected against 32 early and ​​​29 intermediate critical illnesses​,​ as well as 5 special conditions.

In the unfortunate event that you become disabled before the age of 70, the optional Total and Permanent Disability add-on advances your coverage amount.

Cover your future premiums with a selection of Premium Waiver riders should critical illness or disability happen.

Enjoy up to 25% off first year's premium when you sign up by 31 December 2024
Learn more

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More ways to keep you protected

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[1] "AIA Persons" refers to AIA Singapore Private Limited, its associated persons/organisations, its and their third-party service providers and its and their representatives, whether within or outside Singapore.
 
 
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Terms & conditions

  • Premium amount is illustrated based on a 25-year-old, male, non-smoker, who bought a basic plan with 30 years policy term. The daily premium is calculated based on the annual premium divided by the total number of days in a year.
  • The policy will terminate once the full 100% coverage amount of AIA Secure Flexi Term basic policy is paid out upon death, terminal illness or terminal cancer.
  • For renewable term plans, the policy period refers to the original policy term. If the policy is renewed for the same coverage amount at the end of the original policy term, the renewal premium is not guaranteed and will be calculated based on the age at the time of renewal.
  • The plan can be converted to a whole life, endowment or investment-linked plan offering equivalent or similar coverage (which we make available for conversion from time to time at our absolute discretion), without further medical underwriting up to the current insured amount, provided that all conditions for conversion are met. Conversion Privilege is only applicable for AIA Secure Flexi Term basic policy, Total and Permanent Disability Rider and Critical Cover Rider. Please note that Early Critical Cover rider does not provide any Conversion Privilege. Please refer to the policy contract for the full terms and conditions.
  • The Early Critical Cover rider pays 100% of coverage amount upon diagnosis of any covered early or intermediate critical illnesses, less any amounts owing to us under the policy. A payout will reduce the coverage amount of both Critical Cover Rider and the AIA Secure Flexi Term basic policy. Only 1 claim is applicable per Special Condition, and the payout is 20% of coverage amount, up to a maximum of $25,000.
  • The AIA Vitality premium discount is only applicable to premiums based on a standard life. It is not applicable to any extra premiums due to loading. Discount applicable from the second policy year onwards will depend on the AIA Vitality Status attained. The discount is capped at 15%

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R)("AIA").
 
All insurance applications are subject to AIA's underwriting and acceptance. This is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract. You are recommended to read the product summary and seek advice from an AIA Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.
 
As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely. You should consider carefully before terminating the policy or switching to a new one as there may be disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost.
 
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 your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
 
This advertisement has not been reviewed by the Monetary Authority of Singapore.
 
The information is correct as at 30 January 2023.