Are you looking for a way to protect your loved ones without breaking the bank? You're not alone. Many Singaporeans are living longer but spending more years in ill health. That's where AIA Secure Flexi Term comes in. Let's explore how this unique plan can help you secure your family's future while giving you the flexibility you need.
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AIA Secure Flexi Term is a life insurance plan that offers high coverage at affordable premiums . It's designed to protect you and your family against life's unexpected events, including death, terminal illness, and terminal cancer. Here's what makes it stand out:
Get up to S$1 million coverage for just S$1.36 a day. Covers death, terminal illness, and terminal cancer.
a) Renewable Term Option: Choose coverage for 5, 10, 20, or 30 years. Guaranteed renewal up to age 101, regardless of health. b) Level Term Option: Choose coverage up to age 65 or 75. Premiums stay the same throughout the coverage term.
Convert to other AIA plans before age 70 without medical checks.
Add critical illness coverage, disability protection, and premium waiver benefits.
Get premium discounts for staying healthy. Discounts can go up to 15% based on your Vitality status.
| Age | What suggestion covers | Premium |
|---|---|---|
| 33, Male making $10,000 a month | Death & TPD $1,000,000 | $92 |
| 24, Male making $5,833.333 a month | critical illness: total $500,000 early stage $200,000 death and disability $1,000,000 | $1,501.75 |
| 33, Male making $10,000 a month | CI $180,000 TPD $830,000 death $830,000 | $1,715.9 |
| 24, Female making $3,333.333 a month | critical illness $200,000 early stage critical illness $100,000 death and permanent disability $500,000 | $881 |
| 39, Female making $6,000 a month | death Minimally 5 to 10 years of income covered disability Minimally 5 to 10 years of income covered careshield life supplement | Not provided |
The cost depends on your age, health, and the coverage you choose. Here's a simple example:
For a 25-year-old non-smoker:
Remember, these are just examples. Your actual premium may be different.
May, a 25-year-old non-smoker, buys AIA Secure Flexi Term:
Total premiums paid: S$157,195
Benefit received by family: S$1,000,000
Start coverage early. Add critical illness protection. Option to convert to other plans later.
Affordable high coverage. Stable premiums for easy planning. Flexibility to change plans as life changes.
Boost existing coverage affordably. Protection up to age 101.
Guaranteed renewal up to age 101. Affordable way to leave a legacy.
Very affordable premiums
High coverage amounts
Guaranteed premiums (for the initial term)
Flexibility to convert to other plans
Option to add critical illness and disability coverage
Potential premium discounts with AIA Vitality
No cash value if you cancel the policy
Renewal premiums may increase (for renewable term option)
Limited to term insurance (unless converted)
You may be able to increase coverage, subject to underwriting.
Your coverage is guaranteed renewable, regardless of health changes.
It depends on your age and coverage amount. Some may qualify without an exam.
Typically, suicide within the first year and pre-existing conditions are excluded.
Yes, and critical illness coverage is compulsory for ages 0-15.
AIA Secure Flexi Term offers a unique combination of high coverage, affordable premiums, and flexibility . It's designed to protect your loved ones financially while giving you the option to adapt your coverage as your life changes.
This plan is particularly suitable for those who want maximum protection at a low cost, and for those who anticipate their insurance needs might change in the future. The ability to convert to other types of policies without medical underwriting is a valuable feature.
However, it's important to remember that this is a pure protection plan. It doesn't build cash value, so if you're looking for an investment component in your insurance, you might want to consider other options.
Remember, the best insurance is the one that fits your specific needs and situation. Consider your current health, financial goals, and family situation before making a decision.
Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on term life insurance. These professionals will review your needs and provide personalised recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your family's future. Don't leave your protection to chance – get the expert advice you deserve today.
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