As life evolves, so do your responsibilities. Whether you're getting married, welcoming a new child, or buying your first home, your financial obligations grow. But what if your insurance could grow with you? Enter AXA Life Exentials , a revolutionary insurance plan designed to adapt to your changing needs and provide comprehensive protection for you and your loved ones.
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AXA Life Exentials is a flexible life insurance plan that offers up to 3 times protection for the price of 1 . It's designed to provide comprehensive coverage for death, terminal illness (TI), and total and permanent disability (TPD), with the added benefit of increased protection in case of accidental death. This plan stands out for its ability to adapt to your life changes, offering additional coverage without the need for further underwriting at key life stages.
Up to 3 times the basic sum assured for death, terminal illness, and total permanent disability. Up to 6 times the basic sum assured in case of accidental death.
Increase your coverage at key life stages without additional underwriting. Perfect for major life events like marriage, having a child, or buying a property.
Enjoy bonus payouts during the course of your policy. Watch your monthly premiums grow into savings.
Choose a payment term that suits your financial planning.
Protection lasts until age 99.
Up to 3 times the basic sum assured before age 70. 100% of basic sum assured plus accumulated bonuses after age 70.
Same as the death benefit.
Same as the death benefit, but ceases at age 70.
Up to 6 times the basic sum assured before age 70. Ceases at age 70.
Covers 30 critical illnesses. Pays out either partially or fully as an advancement of the death benefit.
The multiplier effect of AXA Life Exentials is one of its most attractive features. Here's how it works:
This multiplier applies to death, terminal illness, and total permanent disability benefits before age 70. For accidental death, the multiplier goes up to 6 times the basic sum assured.
One of the standout features of AXA Life Exentials is the Guaranteed Insurability Option (GIO) . This allows you to increase your coverage at key life stages without additional underwriting. Here's how it works:
Getting married
Having a baby
Adopting a child
Purchasing a property
When one of these events occurs, you can purchase additional term rider coverage. The rider covers death, terminal illness, and total permanent disability. There's no need for additional medical underwriting.
There are limits to how much additional coverage you can purchase. The minimum death benefit doesn't apply to the term rider purchased under this option.
AXA Life Exentials isn't just about protection; it's also about growing your wealth. The plan offers bonus payouts during the course of your policy. These bonuses accumulate over time, potentially providing a significant addition to your retirement fund.
To understand how AXA Life Exentials works in real life, let's look at an example:
Andy is a 30-year-old non-smoker who decides to take up an AXA Life Exentials Plan with a 15-year premium payment term.
Here's how Andy's coverage grows with his life events:
Throughout this time, Andy enjoys:
Total premiums paid over 15 years: S$46,380
Multiplied protection (up to 3x for death, 6x for accidental death)
Flexibility to increase coverage at key life stages
Bonus payouts that can contribute to retirement savings
Long-term coverage until age 99
Option for critical illness coverage
Multiplied protection reduces after age 70
Accidental death and TPD coverage cease at age 70
Premiums may be higher than some term insurance plans
The Guaranteed Insurability Option is specifically for key life events. For other increases, you may need to undergo underwriting.
You'll receive the cash surrender value, which includes guaranteed and non-guaranteed components.
No, it's an optional benefit that you can add for additional premium.
The multiplied protection and accidental death benefit cease, but you still have 100% of your basic sum assured plus accumulated bonuses for death and terminal illness.
It's best to check with AXA directly about options for changing your payment term after purchase.
AXA Life Exentials offers a unique approach to life insurance, providing multiplied protection that can grow with your changing life circumstances . Its flexibility, coupled with the potential for wealth accumulation through bonuses, makes it an attractive option for those looking for comprehensive, long-term coverage.
However, as with any financial decision, it's important to carefully consider your personal needs, budget, and long-term goals. While AXA Life Exentials offers many benefits, it may not be the right fit for everyone. Some may find the premiums higher than simpler term insurance plans, while others may value the added features and flexibility.
Remember, the best insurance plan is one that provides the right balance of protection and affordability for your specific situation. If you're considering AXA Life Exentials or exploring other life insurance options, it's always wise to consult with a financial advisor who can provide personalized recommendations based on your unique circumstances.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on life insurance plans that grow with you . These professionals will review your specific situation and provide personalized 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 evolving life journey. Don't leave your family's financial future to chance – get the expert advice you deserve today.
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