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Term Life

Introduction

In today's uncertain world, securing your family's financial future is paramount. Term life insurance offers an affordable way to provide substantial protection for your loved ones. AIA Secure Flexi Term stands out as a versatile and cost-effective solution, designed to meet your evolving needs. With its flexible coverage options, guaranteed premiums, and unique features like the Terminal Cancer Benefit, this plan offers comprehensive protection that adapts to your life stages. Let's explore how AIA Secure Flexi Term can help you color your life with confidence and security.

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Coverage and Benefits

AIA Secure Flexi Term offers a robust set of benefits designed to provide comprehensive protection for you and your loved ones. From substantial death coverage to unique features like the Terminal Cancer Benefit, this plan ensures you're well-protected against life's uncertainties. Let's delve into the key coverage aspects and benefits that make this plan stand out.

Substantial Death Benefit

AIA Secure Flexi Term provides a significant death benefit, with coverage amounts as high as $1 million available. This ensures your beneficiaries receive substantial financial support in the event of your passing.

No Cash Value

As a term life insurance product, AIA Secure Flexi Term does not accumulate cash value. This allows for lower premiums, making high coverage amounts more affordable.

No Dividends

This plan does not offer bonuses or dividends. Instead, it focuses on providing maximum protection at competitive premium rates.

Terminal Illness Coverage

The plan includes a Terminal Illness Benefit, which accelerates the full death benefit if you're diagnosed with a terminal illness expected to result in death within 12 months. This benefit is subject to a maximum of $20 million per life.

TPD Protection

Total and Permanent Disability (TPD) coverage is available as an optional rider. It provides protection up to age 65, with a maximum benefit of $7.5 million per life.

Critical Illness Rider

An optional Critical Illness rider covers 43 major critical illnesses. It offers a maximum benefit of $25,000 for Angioplasty & Other Invasive Treatment for Coronary Artery, providing comprehensive health protection.

Policy Terms and Flexibility

AIA Secure Flexi Term offers remarkable flexibility to adapt to your changing needs throughout life. From various policy terms to guaranteed renewability and conversion options, this plan is designed to grow with you. Let's explore the key features that make this plan highly adaptable and user-friendly.

Flexible Entry Ages

AIA Secure Flexi Term accommodates a wide range of entry ages, allowing individuals from various life stages to benefit from its protection. Specific age ranges are not provided in the given information.

Multiple Term Options

Choose between renewable terms of 5, 10, 20, or 30 years, or opt for level terms up to age 65 or 75. This flexibility allows you to align your coverage with your specific life stage and financial goals.

Guaranteed Renewability

Enjoy peace of mind with guaranteed renewability up to age 101, regardless of your health condition. This feature ensures continuous protection even as your health status changes over time.

Conversion Privilege

Before age 70, you have the flexibility to convert your policy to an AIA endowment, investment-linked, or whole life plan without further medical underwriting. This allows your coverage to evolve with your changing needs.

Premium Guarantee

Premiums are guaranteed to remain constant throughout your chosen policy term. For renewable plans, renewal premiums will be based on your age at renewal and are not guaranteed.

Real premiums suggested for AIA Secure Flexi Term

AgeWhat suggestion coversPremium
25, Female making
$3,333.333 a month
accident medical reimbursement
$3,000
accidental death
$250,000
accidental dismemberment and burns
$250,000
accidental major dismemberment
$750,000
accidental permanent total disability
$750,000
additional payout for accidental death
$250,000
ambulance services
$200
broken bones
$12,000
daily accidental hospital income
$150
daily accidental icu
$150
emergency medical evacuation and repatriation
$25,000
tcm chiropractic medical reimbursement
$750
Not provided
40, Female making
$6,000 a month
Not elaborated
Not provided
25, Male making
$5,833.333 a month
critical illness:
early stage
$200,000
total
$500,000
death and disability
$1,000,000
$1,501.75 annual
34, Male making
$10,000 a month
Not elaborated
$594.3 annual
Get your own quotes →

Optional Riders

AIA Secure Flexi Term offers a range of optional riders to enhance your protection and tailor the policy to your specific needs. These riders provide additional coverage for critical illnesses, disabilities, and premium waivers. Let's explore the key riders available to complement your base policy.

Critical Cover Rider

This rider provides coverage for 43 major critical illnesses. It offers comprehensive protection against severe health conditions, ensuring financial support when you need it most.

Early Critical Cover

Enhance your protection with coverage for 32 early and 29 intermediate critical illnesses, as well as 5 special conditions. This rider pays out 100% of the coverage amount for early or intermediate critical illnesses.

TPD Rider

The Total & Permanent Disability rider offers additional assurance in the event of disability. It provides coverage up to age 65, with a maximum benefit of $7.5 million per life.

Premium Waiver Riders

Various Premium Waiver riders are available to waive future premiums in case of critical illness or disability. These riders ensure your coverage remains intact even if you're unable to pay premiums due to health issues.

Claims and Customer Service

While we are not directly affiliated with AIA, we can provide some general information about their claims and customer service process. AIA Singapore offers multiple channels for filing claims and seeking customer support. Policyholders can typically submit claims online through AIA's customer portal, via email, or by visiting an AIA branch office. For customer support, AIA provides a dedicated hotline at 1800 248 8000, operating Monday to Friday from 8:45am to 5:30pm. Additionally, customers can reach out through AIA's official website or mobile app for general inquiries and assistance. It's always recommended to refer to your policy documents or contact AIA directly for the most up-to-date and accurate information regarding claims and customer service procedures.

Conclusion

AIA Secure Flexi Term is an excellent choice for individuals seeking affordable, flexible, and comprehensive life insurance coverage. It's particularly well-suited for young professionals starting their careers, growing families looking for substantial protection at reasonable costs, and those nearing retirement who want to leave a legacy. The plan's flexibility, guaranteed renewability, and unique features like the Terminal Cancer Benefit make it a versatile option for various life stages.
and receive personalized proposals tailored to your needs. Plus, you'll be entered into our 'Premiums On Us' quarterly draw, where you could win your insurance premiums paid by Whatins. Get multiple expert opinions, make an informed decision, and potentially save on your premiums – all in one place!

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Why people were suggested AIA Secure Flexi Term

Jon's profile photo
Jon, 25
GenderMale
Monthly Income$5,833.333
Insurance Types Suggested
  • Hospital
  • Critical Illness
  • Term Life
Why Secure Flexi Term was suggested:
The Secure Flexi Term plan is recommended to provide Jon with a high level of income protection and critical illness coverage at an affordable premium. As a 25-year-old with an annual income of $70,000, the suggested sum assured of $1,000,000 for death and disability, and $500,000 for critical illness, aligns with the general guideline of 10x annual income for income protection and 5x for critical illness coverage. The term plan's flexibility to convert to a whole life or endowment plan in the future is also highlighted.