Protection
my responsibilities
are multiplying
all the time
i want my
protection
to multiply
too
in case of
Death,
TI, TPD
up to
up to
in case of
Accidental
Death
basic
sum
assured
Stretch your protection dollar and get good value for money
“up
to 3X protection for the price of 1.”
up to
in case of
Death, TI,
TPD
You want to ensure that you and those closest to
you have the protection and reassurance you need
to embrace every one of life's most wonderful
moments.
up to
With AXA Life Exentials, enjoy guaranteed
Minimum Death Benefit of up to three times the
basic Sum Assured1 and a minimum amount of up
to six times the Sum Assured if the death is a
result of an accident2.
additional cover with no underwriting
additional benefits
We know your needs can change at key life stages like
getting married, having a baby, adopting a child or
purchasing of a property, and these events adds to
your financial responsibilities. The Guaranteed
Insurability Option (GIO) allows you to get additional
sum assured coverage with no additional underwriting3.
Enjoy bonus payouts during the course of policy
while watching your monthly premiums grow into
savings. The accumulated bonuses give you valuable
additions to your retirement fund, making your
rewards even greater. Speak to your AXA financial
consultant to find out more about our range of riders
for more comprehensive coverage.
flexible payment options to suit your needs
in case of
Accidental
Death
accelerated payout to ease your burdens
We offer you the flexibility of paying your premiums
over 10, 15, 20, or 25 years. You could also choose to
pay premiums until age 65, or pay for life to ensure
greater affordability.
Enjoy greater peace of mind with the option to
purchase Life Exentials with Accelerated Critical
Illness as a single, comprehensive package. This
option gives you an accelerated cash payout of up to
3 times of the basic sum assured on diagnosis of a
Critical Illness 4. That means you can focus on
getting better knowing that the financial security of
you and your loved ones is safeguarded.
3x
death coverage1
S$300,000
Andy gets married
Sum Assured: S$100,000
Annual Premium: S$3,0925
illustrative example
Andy is a 30-year-old non-smoker.
He decides to take up a AXA Life
Exentials Plan with a premium
payment term of 15 years.
At key life stages: with additional premium,
6x
Andy has the option to purchase additional cover
with no underwriting.
accidental
death coverage2
S$600,000
Andy has a baby girl
beginning of
payment term
Andy has a second child
Total maturity payout at age 99:
S$361,9657
end of payment term
Total premiums paid: S$46,380*
Andy buys his first property
$$$
Andy
Andy has an option to surrender
his policy and receive S$101,8526
buys Life Exentials
age 30
age 35
age 37
age 40
age 45
* Total premium paid on the basic policy ** if Andy did not surrender his policy or make any claim, he will continue to enjoy protection on Death and Terminal Illness. Total & Permanent Disability and Accidental Death cover ceases on the Policy Anniversary nearest to the Life Assured’s 70th birthday.
age 65
Andy continues to enjoy
the protection till age 99**
1. Before the Policy Anniversary nearest to the Life Assured’s 70th birthday, the
Minimum Death Benefit is 3/2.5/1.5 times the basic Sum Assured
respectively for entry ages below 45/45-54 and 55-60 nearest birthday. The
same benefit applies if you are diagnosed with a Terminal Illness (TI) or
suffer from Total and Permanent Disability (TPD). If the basic Sum Assured
plus accumulated bonuses is more than the Minimum Death Benefit, we will
pay you the basic Sum Assured plus accumulated bonuses. On or after the
Policy Anniversary nearest to the Life Assured’s 70th birthday and while the
Policy is in force, receive 100% of the basic Sum Assured, plus accumulated
bonuses upon Death or diagnosis of TI. TPD benefit ceases on the Policy
Anniversary nearest to the Life Assured's 70th birthday. Any indebtedness to
the company will be deducted before payout.
2. Additional Accidental Death Benefit payable is an amount equivalent to the
Minimum Death Benefit payable on top of the Death Benefit if Accidental
Death occurs before age 70 nearest birthday. Additional Accident Death
Benefit will cease on the Policy Anniversary nearest to the Life Assured’s
70th birthday.
3. This is by purchasing a term rider covering Death, Terminal Illness and Total
& Permanent Disability, this option can be exercised subject to limits.
Minimum Death Benefit will not apply on the Term rider purchased under this
option. Please refer to the Product Summary and General Provisions for
details.
4. This Benefit accelerates the Death Benefit of the Policy. If the Life Assured is
diagnosed with any of the listed 30 Critical Illnesses, the Critical Illness
Benefit is paid out either partially or fully as an advancement of the Death
Benefit depending on the Critical Illness claimed for. It applies before, on or
after the Policy Anniversary nearest to the Life Assured’s 70th birthday.
Note:
This brochure is not a contract of insurance. The precise terms and
conditions of the plan are specified in the policy contract. A product summary
is available and may be obtained from AXA Insurance Pte Ltd and the
participating distributors’ offices. You should read the product
summary before decideing whether to purchase the policy. The above is for
your information only and does not have any regard to your specific
investment objectives, financial situation and any of your particular needs.
You may wish to seek advice from a financial consultant before making a
commitment to purchase the product. In the event that you choose not to
seek advice from a financial consultant, you should consider whether the
product in question is suitable for you.
speak to your financial consultant
Buying a life insurance policy can be a long-term commitment. An early
termination of the policy usually involves high costs and the surrender value
payable may be less than the total premiums paid.
[email protected]
For more information, contact your financial consultant or call us at 1800
880 4888. Alternatively, you can e-mail us at [email protected] or
visit our website at www.axa.com.sg.
1800 880 4888
The insurance policy featured in this brochure is protected under the Policy
Owners’ Protection Scheme which is administered by the Singapore Deposit
Insurance Corporation (SDIC). Coverage for your policy is automatic and no
further action is required from you should you buy the policy. For more
information on the types of benefits that are covered under the Policy
Owners’ Protection Scheme as well as the limits of coverage, where
applicable, please visit the AXA website at www.axa.com.sg or visit the LIA
or SDIC websites (www.lia.org.sg or www.sdic.org.sg) for a copy of the SDIC
Guide on PPF Scheme (Life Insurance).
01/2015
Important Information
5. Based on Male, non-smoker, age 30 (nearest birthday), 15-year premium
payment term.
6. This is the total guaranteed and non-guaranteed cash surrender value
projected based on an investment return of 4.75% on the participating fund.
7. This is the projected maturity benefit at age 99 based on an investment
return of 4.75% on the participating fund, if the policy remains in force and
there is no prior claim on the policy.
All mention of 3x and 6x coverage refers to a minimum of up to 3x and a
minimum of up to 6x.
AXA Insurance Pte Ltd
Company Reg No. 199903512M
8 Shenton Way #24-01 AXA Tower Singapore
068811 AXA Customer Care #B1-01
Tel: 1800 880 4888 Fax: 6880 5501