MyProtector

Choose only the coverage you want

Having a life insurance plan is
non-negotiable
FACTS

people surveyed
do not own
life insurance

Only
42 %
think they have
adequate financial
protection for their
dependants if they die

Source: Aviva’s Consumer Attitudes Survey, June 2018.

Choose to be better prepared.

The right plan can protect your loved ones
should the unexpected happen to you
– giving them the financial security to
carry on with life without you.
Introducing MyProtector
MyProtector is a flexible and affordable term protection plan that
allows you to choose the coverage you really need.

MyProtector:

Is specially designed to empower you to select the

precise coverage that you need

Pays a lump sum in the event of death or upon diagnosis

of a terminal illness within the policy term

Allows you to enhance your coverage by complementing

your plan with your choice of riders

To serve your specific needs,

MyProtector comes
in two forms:
1 MyProtector-Term Plan II
2 MyProtector-Decreasing
Value-for-money coverage –
MyProtector-Term Plan II
The perfect insurance plan that can match your personal and
professional milestones from as little as S$20 per month1.

• Pays a lump sum in the event of Death or upon diagnosis

of a Terminal Illness within the policy term

• Coverage term of 5 years, 10 years or 11 years to term up to

85 Age Next Birthday (ANB) at every one year interval

• Guaranteed Renewable Option (GRO)2 allows you to

renew your basic Policy automatically every 5 years or
10 years without further medical underwriting

• Increase coverage at key life events – Guaranteed Issuance

Option (GIO)3 provides the flexibility to increase coverage
of your basic Policy when you reach key milestones in life

• Guaranteed Convertibility Option (GCO)4 – allows you

to convert the basic Policy to a new endowment or
whole life policy without further medical underwriting

• Interim Accidental Death Benefit5

 Choice of riders to enhance your protection
Complement your plan with riders6 for an additional layer of assurance against
Total and Permanent Disability (TPD), Critical Illnesses (CIs), and more:
• TPD Advance Cover Plus II7
• CI Advance Cover Plus II7
• MultiPay Critical Illness Cover III
• Early Critical Illness Cover
• Critical Illness Premium Waiver
• Payer Critical Illness Premium Waiver
• Payer Premium Waiver Benefit

Policy Sum Daily

Plans Term Assured Premium

MyProtector-Term Plan II 35 Years S$1,500,000 S$4.788

TPD Advance Cover Plus II 35 Years S$1,500,000 S$0.788

MultiPay Critical Illness

Cover III
35 Years S$250,000 S$8.259

Total:

S$13.81
/day

The above illustration is based on a male, non-smoker, age 35 at next birthday,

residing in Singapore. Illustrated daily premium rate is derived using annual
premium amount divided by 365 days, rounding up to the nearest cent.
Flexible coverage option –
MyProtector-Decreasing
Want a more flexible life insurance coverage that can decrease
with time as your liabilities shrink? When your mortgage, car
loan or children’s school fees are all paid up, you may no longer
want a high coverage. Then consider
MyProtector-Decreasing.

• Pays a decreasing sum year-on-year over the term of

the policy

• Interest rate options of 1%, 2%, 3%, 4%, 5%, 7% or 9%

to suit your requirements – this means coverage reduces
as your debt is reduced – no need to be worried about
being over insured

• Pays a lump sum in the event of Death or upon diagnosis

of a Terminal Illness within the policy term

• Coverage term of 10 years to term up to 99 (ANB) at every

one year interval
 For more benefits, add these riders6:
• Total and Permanent Disability Benefit
• Critical Illness Accelerated Benefit
• Critical Illness Premium Waiver

Policy Sum Daily

Plans Term Assured Premium

MyProtector-Decreasing 30 Years S$350,000 S$1.558

Total and Permanent

Disability Benefit 30 Years S$350,000 S$0.248

Critical Illness
Accelerated Benefit 30 Years S$350,000 S$2.979

Total:

S$4.76
/day

The above illustration is based on Joint-Lives standard life application – a

Singaporean male of age 35 at next birthday and a Singaporean female of age 30
at next birthday. Both lives assured reside in Singapore and do not smoke. Interest
rate selected is 3%. Illustrated daily premium rate is derived using annual
premium amount divided by 365 days, rounding up to the nearest cent.
Want to know
how we can help you?
Speak to your financial adviser
representative or visit
www.aviva.com.sg
for more details.
Footnotes and Disclaimers

1. The premium amount of S$20 per month is for illustration purposes and is based
on the following criteria – Male, age 30 at age next birthday (ANB), non-smoker,
who opted for Policy Term: 15 years, with S$260,000 Sum Assured.

2. Guaranteed Renewable Option (GRO) is only applicable to policy term of 5 years

and 10 years. Upon renewal, the Life Assured is insured for at most the same
Sum Assured as before the renewal date and for the same policy term. No new
policy will be issued. GRO is also applicable to TPD Advance Cover Plus II,
CI Advance Cover Plus II and Early Critical Illness Cover, if attached to the
basic Policy at inception. Premiums payable for the renewed Policy will be
based on the Life Assured’s attained age and the prevailing premium rates
at the date of renewal. Please refer to the Product Summary for more details.

3. The policyholder may opt for this option at each of the following key life events
without providing further evidence of insurability:
a) the Life Assured marries or divorces (i.e. change of marital status);
b) the Life Assured becomes a parent by having a newborn child, or legally adopts
a child (i.e. adding a new child member to the immediate family);
c) the Life Assured graduates from tertiary education; or
d) the Life Assured purchases a property.

This option allows the policyholder to increase the Sum Assured of the basic Policy,
with extra premium payable. The total Sum Assured that can be increased under this
option is limited to 50% of MyProtector-Term Plan II Sum Assured, or up to S$500,000
per life (or its equivalent in other currencies), whichever is lower. This option is extended
to standard life only. Please refer to the Product Summary for more details.

4. The policyholder can fully or partially convert the basic Policy to a new endowment
or whole life policy available at the point of conversion, without further evidence
of insurability as long as the following conditions are met:
a) The Policy is in force when this option is exercised;
b) The Life Assured is at age 65 next birthday or younger when Guaranteed
Convertibility Option is exercised (for joint life Policy, the age limit for conversion
must be based on the older age of the 2 Lives Assured);
c) For full conversion, the Life Assured will be insured for the same Sum Assured
or less on the new policy, subject to the Sum Assured limit of the new policy;
Footnotes and Disclaimers

4. d) For partial conversion, the Life Assured is insured for a Sum Assured equal to
or less than the amount of Sum Assured converted, subject to the Sum Assured
limit of the new policy. The original Policy will continue with a reduced Sum
Assured, subject to the Sum Assured limit of the original Policy;
e) The maximum Death Benefit payable under the new policy must not exceed:
(i) the Death Benefit payable under the original Policy if it is a full conversion;
or (ii) the Death Benefit payable for the amount of Sum Assured converted if
it is a partial conversion; and
f) No claim on this Policy has been admitted.

The terms and conditions above are not exhaustive. Please refer to the Product
Summary for more details.

5. This benefit shall terminate on the earliest occurrence of a list of events.

Please refer to the Product Summary for more details, including the list of exclusions.

6. For details on riders, please refer to the respective Product Summaries.

7. Guaranteed Renewable Option, Guaranteed Issuance Option and Guaranteed

Convertibility Option are applicable to these riders. These options allow the
policyholder to enjoy the benefits without further evidence of insurability.
Please refer to the respective Product Summaries for more details.

8. Premiums shown are level and guaranteed.

9. Premiums shown are level but are not guaranteed and may be adjusted based
on future experience.
Important Notes

The policy is underwritten by Aviva Ltd.

This brochure 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 policy. You may wish to seek advice from a financial
adviser representative before making a commitment to purchase the policy. In the
event you choose not to seek advice from a financial adviser representative, you
should consider whether the product in question is suitable for you.

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. 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 policy can be found in the relevant policy contract.

Information is accurate as at April 2019.

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).
Important Notes
Contact your financial adviser and open a
The policy is underwritten by Aviva Ltd.
Navigator account today. If you do not have
This brochure is published for general information only and does not have regard to the
specific visit aviva.com.sg/navigatorpartners
one, 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
to reachoffices.
distributors’ out toYouany
shouldof our
read the partners.
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. Buying a life insurance policy is a long-term
commitment. An early termination of the policy usually involves high costs and the surrender
Need more information?
value payable, if any, may be less than the total premiums paid. Full details of the standard
terms and conditions of this plan can be found in the relevant policy contract. Buying health
Call us at 6827 7555 or visit
insurance that is not suitable for you may impact your ability to finance your future healthcare
www.aviva.com.sg/navigator
needs.

to
This find
policy isout more.
protected under the Policy Owners’ Protection Scheme which is administered by
the 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).

Information is accurate as at July 2016.

MyProtector-TermPlan_II_A5_COMP/2019/04/PPM/144

Aviva Ltd
4 Shenton Way, #01-01, SGX Centre 2 Singapore 068807
Tel: (65) 6827 9933
Website: www.aviva.com.sg
Company Reg. No.: 196900499K
GST Reg. No.: MR-8500166-8