• AIA Term Insurance

    Life is full of uncertainties, throws many surprises at times. An insurance is one of the most sought after means to secure the financial interests of our loved ones. Term insurance is the most accessible and affordable forms of insurance available in the market today. It offers high Sum Assured at low premium charges.

    About AIA Group Limited

    Established in Shanghai, AIA is a market leader in the insurance sector across the region and holds assets worth US$167 billion (as of 30.11.2014). In Singapore, AIA offers a massive range of products and services primarily represented by insurance products such as life, health, accident along with a slew of savings and wealth management plans.

    In the life insurance portfolio, AIA extends a wide range of flexible cover plans and includes individuals and family as a whole. Under term insurance, it provides cover AIA Secure Term Plus, a comprehensive plan that provides lump sum financial relief in case of death of the insured along with other benefits.

    AIA Secure Term Plus (II)

    This classic term insurance plan offers high coverage at affordable rates available for people of all ages that can be renewed up to age 101. A cost effective insurance plan that comes with rider options and flexible terms to choose from.

    Features & Benefits of AIA Secure Term Plus (II)

    Covers All Age Groups

    AIA Secure Plus (II) is open for people from all age groups. With an renewable age cap of 101, this all-inclusive term insurance policy helps you secure the future of your loved ones at any age.

    Highly Affordable Term Plan

    The premium starts as low as S$22 a month which makes it an affordable term insurance plan. In case of a death or terminal illness, a high lump sum amount is disbursed to take care of the financial needs of your loved ones. The annual premium paid remains fixed throughout the term period.

    Flexible Term Options

    You’re free to choose a term from 5, 10 and 20 years as per your convenience and lifestyle. One can also convert the term plan into an AIA Endowment plan or whole life plan anytime during the policy term before the age of 70.

    Stay Worry Free With Critical Illness Rider

    A whopping 43 illnesses are covered under this rider which adds extended protection to your term insurance plan. Plus, the critical illnesses are covered up to the age of 101.

    Peace of Mind with Optional Riders

    You can further enhance the coverage by addition of two different types of riders.

    Accident Cover Rider: Provides monetary cover in case of accident

    Hospital Benefit Rider: Helps by extending daily income in case of hospitalisation.

    Compare AIA Term Insurance With Other Insurance Companies Offering Term Insurance in Singapore

    AIA Term Insurance - Frequently Asked Questions

    1. I see that the premium for a smoker is higher compared to a non-smoker. Why is there a disparity?
    2. In insurance parlance, a smoker is considered to be at risk compared to a non-smoker in terms of health. Based on internal policies and govt. regulations, insurance cover for a smoker is offered at a higher premium.

    3. Is there a cap on age towards applying for a term insurance from AIA? If yes, please provide the breakup.
    4. People between the age group 16 - 70 can apply for a term insurance of 5 and 10 years. For the 20 year policy term, applicants should be between the age group of 16 - 60 years.

    5. I just received my policy document from AIA for a 5 year term insurance. Am I allowed to alter the insured amount during the term?
    6. The insured amount can be increased only during the first year of the policy term, subject to underwriting. This amount can be decreased anytime during the policy term.

    7. Is policy cancellation allowed during the term if I am not satisfied?
    8. AIA provides a free look up period of 14 days from the date of receipt of the policy for any cancellations. You can write to the customer service team and seek a refund within this period in case you’re not satisfied. A refund of the premium paid will be made minus charges incurred on medical tests.

    9. What are the exclusions to the term insurance policy from AIA?
    10. Preexisting conditions, HIV/AIDS and suicide within the first year of policy issue date or reinstatement date (whichever is earlier) are common exclusions.

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