MyProtector

Choose only what you need

Having a life insurance plan is
non-negotiable

FACTS
people surveyed do not
own life insurance.

57 % admit that if they were

to die now, they do not
have sufficient funds
for their dependantsÕ
daily needs.

Source: AvivaÕs Consumer Attitudes to Saving, March 2017.

Are you among these alarming statistics?

Choose to be better prepared.
The right plan can protect your loved ones
should the unexpected happen to you
Ð 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
2 MyProtector-Decreasing
Value-for-money coverage Ð
MyProtector-Term Plan
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

99 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

¥ No Nationality Loading
 For more benefits, add these riders6:
¥ Total and Permanent Disability Advance Cover Plus7
¥ Critical Illness Advance Cover Plus7
¥ 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 35 Years S$1,500,000 S$5.028

Total and Permanent

Disability Advance 35 Years S$1,500,000 S$0.778
Cover Plus

MultiPay Critical Illness

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

Total:
S$14.04
/day

The above illustration is based on a male, non-smoker, age 35 at next birthday, residing
in Singapore. Premiums illustrated are based on annual premium and is rounded 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 childrenÕs 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 Ð no need to be worried about
getting 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 and 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

Plans Policy Sum Daily

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$2.969

Total:

S$4.75
/day

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

male of age 35 at next birthday and a Singaporean female of age 30 at next birthday.
Both lives assured do not smoke and reside in Singapore. Interest rate selected is
3%. Premiums illustrated are based on annual premium and is rounded 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 Ð Male, age 30 at age next birthday (ANB), non-smoker,
who opted for Policy Term: 15 years, with S$254,000 Sum Assured.

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

or 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 Total and Permanent Disability Advance
Cover Plus, Enhanced Total and Permanent Disability Benefit, Critical Illness Advance
Cover Plus and/or Enhanced Critical Illness Accelerated Benefit, if attached to the
Basic Policy at inception. Premiums payable for the renewed Policy will be based
on the Life AssuredÕs attained age and the prevailing premium rates at the date of
renewal. Please refer to the Product Summary for more details.

3. The policyowner may opt for this option at each of the following key life events
without providing evidence of health:
a) the Life Assured marries or divorce (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 (applicable for MyProtector-Term Plan
only).

This option allows the policyowner to increase Sum Assured of the Basic Policy
up to 50% of MyProtector-Term Plan basic Sum Assured, or up to a maximum of
S$500,000 per life (or its equivalent in other currencies), whichever is lower.

The limits set are irrespective of the number of MyProtector-Term Plan Policies
the Life Assured may have and the number of times the policy is renewed (under
the GRO). This option is extended to standard life only. Please refer to the Product
Summary for more details.

4. Policyowner can 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 feature is exercised;
b) The Life Assured is at age 70 at next birthday or younger when Guaranteed
Convertibility Option is exercised (for joint life policy, the age limit to convert is
based on the older Age of the two Lives Assured);
c) The Life Assured is insured for the same Sum Assured or less on the new Policy; or
d) No claims on this Policy have been admitted.

Please refer to Product Summary for details.

Footnotes and Disclaimers

5. This benefit shall terminate on the earliest occurrence of a list of events. Please
refer to Product Summary for details, including the list of exclusions.

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

7. Total and Permanent Disability Advance Cover Plus and Critical Illness Advance Cover
Plus are only applicable for MyProtector-Term Plan. It includes Guaranteed Renewable
Option, Guaranteed Issuance Option and Guaranteed Convertibility Option. These
options allow policyowner to enjoy the benefits without further evidence of insurability.
Please refer to its 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 distributorsÕ 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 December 2018.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

This policy is protected under the Policy OwnersÕ 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).
This page is intentionally left blank.
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
one, investment
specific visit aviva.com.sg/navigatorpartners
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.
distributorsÕ out toYouanyshouldofread
our 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
Need more information?
the surrender 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.
Call us at 6827 7555 or visit
Buying health insurance that is not suitable for you may impact your ability to finance your
future healthcare needs.
www.aviva.com.sg/navigator
to
This find
policy isout more.
protected under the Policy OwnersÕ 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.

AV-MyProtector_A5_v1.1_COMP/2018/11/PPM/338

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