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Choose only

what you need.

MyProtector
Flexible and affordable cover.

Uniquely. . If youÕre concerned about the future should the worst happen. the top causes of death are cancer (30. can you fully protect all that you leave behind? MyProtector is a flexible and affordable term protection plan that allows you to choose the coverage you really need. When faced with odds like these. In Singapore.8%) which together. Singaporeans are 11 times underinsured2. MyProtector will give quality.1%) and pneumonia (16. value-for-money coverage for you and your family.Protection that is customised to you. cause 2 in 5 deaths3.

¥ Specially designed to empower you to select the precise coverage that you need. ¥ Pays a lump sum in the event of death or upon diagnosis of a Terminal Illness within the policy term. .Buying a packaged term plan? YouÕd be paying for benefits you donÕt really need. Choose only what you need with MyProtector. ¥ Allows you to enhance your coverage by complementing your plan with your choice of riders. ¥ Lets you choose between level term and decreasing term.

14 5 6 6 6 Total: S$6.000 S$0.83 5 It only costs you 5 S$1.000 S$1.Level Term with MyProtector-Level Plus A simple yet cost effective term insurance plan that pays a guaranteed sum in the event of death or diagnosis of Terminal Illness.000 S$3.03 Male Illness Cover II 25 years S$50.36 Accidental Death and Dismemberment Benefit 25 years S$250.57/day .83 per day Add your choice of riders for more comprehensive coverage.21 Enhanced Critical Illness Accelerated Benefit 25 years S$500.000 S$1. Level Term4 Policy Term Sum Assured Daily Premium MyProtector-Level Plus 25 years S$500.000 S$0. Level Term4 Policy Term Sum Assured Daily Premium Enhanced Total and Permanent Disability Benefit 25 years S$500.

Decreasing Term7 MyProtector Decreasing Policy Term Sum Assured Daily Premium 30 years S$350.24 Critical Illness Accelerated Benefit 30 years S$350. 4%. 3%. You can choose 1%. ideal for coverage of reducing debts such as mortgages and loans.75/day .Decreasing Term MyProtector can also pay a decreasing sum year-on-year over the term of the policy. 7% or 9% to suit your requirement.000 S$1. 5%.96 5 6 Total: S$4. 2%.55 5 Add your choice of riders for more comprehensive coverage. Decreasing Term7 Policy Term Sum Assured Daily Premium Total and Permanent Disability Benefit 30 years S$350.000 S$0.000 S$2.

Coverage up to age 99.Coverage for 36 major critical illnesses. .Coverage of up to age 99. . .Guaranteed renewable option (for 5 and 10 years term). . 8 Critical Illness Premium Waiver Waiver of future premiums upon diagnosis of the critical illnesses covered. . . Enhanced Critical Illness Accelerated Benefit Critical Illness Accelerated Benefit .Choice of Riders You can choose to add these riders to MyProtector-Level Plus and MyProtector Decreasing.Coverage for 36 major critical illnesses. MyProtector-Level Plus MyProtector Decreasing Enhanced Total and Permanent Disability Benefit . .Coverage up to age 70.Pays a lump sum payment upon Total and Permanent Disability.Pays a lump sum payment upon Total and Permanent Disability.Guaranteed renewable option (for 5 and 10 years term). .Coverage up to age 70. Total and Permanent Disability Benefit .

you can also choose to add these riders.For MyProtector-Level Plus. Male Illness Cover II Pays a lump sum payment upon diagnosis of the specific male illnesses covered. Female Illness Cover II Pays a lump sum payment upon diagnosis of the specific female illnesses covered. It also reimburses medical expenses of the covered surgical procedures. Accidental Death and Dismemberment Benefit Pays a lump sum payment in the event of accidental death or dismemberment. Payer Premium Waiver Benefit 8 Waiver of future premiums if the policyowner dies or is diagnosed with Terminal Illness or Total and Permanent Disability. . It also reimburses medical expenses of the covered surgical procedures. Payer Critical Illness Premium Waiver 8 Waiver of future premiums if the policyowner is diagnosed with one of the covered Critical Illnesses.

half-yearly. . GBP. direct debit. at every one year interval. Both of you will be covered with just one simple application. USD. at every one year interval. Premium payments can be made annually. EUR. bankerÕs draft or credit card (MasterCard or Visa)9. quarterly or monthly. Choice of premium currency and payment method You have a choice of six currencies: SGD. MyProtector Decreasing Coverage term of 10 years and up to 99 Age Next Birthday.More choices available Choice of Coverage Term up to age 99 MyProtector-Level Plus Coverage term of 5 years or 10 years and up to 99 Age Next Birthday. Worldwide Coverage 1 You can continue to enjoy peace of mind even when you relocate as MyProtector gives you continuous global coverage. You have the flexibility to fulfill your premium payments via cheque. Protection for your loved ones Give your spouse10 the same quality coverage and enjoy a discount on the basic premium with your Joint-Lives application. telegraphic transfer. AUD and HKD.

More choices available For MyProtector-Level Plus. such as marriage. Increase coverage at key life events Guaranteed Issuance Option (GIO)13 provides the flexibility to increase coverage when you reach key milestones in life. starting a family or even upon graduation. Guaranteed Renewable every 5 years or 10 years Guaranteed Renewable Option (GRO)11 allows you to continue your policy automatically every 5 years or 10 years upon renewal12 for the same policy term. No Nationality Loading The basic premium will be the same irrespective of your nationality1. . there are also these additional features.

000. The interim accidental death coverage starts from the date you sign the application. at no additional cost. .Interim Cover Interim Accidental Death Cover14 Apply for MyProtector today and get immediate accidental death cover of up to S$500.

2. Terms and conditions apply.sg/content/moh_web/home/statistics/Health_Facts_Singapore/Principal_Causes_of_Death.moh. 3. Premiums shown are level but are not guaranteed and may be adjusted based on future experience.gov.html 4. Source: Ministry of Health Ð ÒPrincipal Causes of deaths in 2012Ó.What you need to know 1. Source: ÒStudies show Singaporeans grossly underinsuredÓ by Jo-ann Huang posted on 19 November 2010 on Channel NewsAsiaÕs website. Posted on: https://www. 7. Interest rate selected is 3%. Illustration based on an Individual standard life application Ð a Singaporean male of age 35 next birthday who resides in Singapore and does not smoke. Illustration based on a Joint-Lives standard life application Ð a Singaporean male of age 35 next birthday and a Singaporean female of age 30 next birthday. 5. Premiums shown are level and guaranteed. 6. . Both lives assured do not smoke and reside in Singapore.

Please refer to the Product Summary for more details. 12. Premiums payable for the renewed Policy will be based on the Life AssuredÕs attained age and the prevailing premium rates at the date of renewal. if attached to the basic Policy at inception.What you need to know 8. GRO is also applicable to Enhanced Total and Permanent Disability Benefit and/or Enhanced Critical Illness Accelerated Benefit. 11. No new policy will be issued. . Credit card is available for initial premium payment only. the Life Assured is insured for at most the same Sum Assured as before the renewal date and for the same policy term. 10. For more details on the riders. Guaranteed Renewable Option (GRO) is only applicable to policy term 5 years or 10 years. Upon renewal. 9. please refer to the Key Provisions in the Product Summary. Spouse must be the legal wife/husband of the applicant and must not be divorced or legally separated from the applicant.

Please refer to Contract Provision for details.e. The limits are set for MyProtector-Level Plus. Please refer to the Product Summary for more details.000 per life. Terms and conditions apply. change of marital status) b) the Life Assured becomes a parent by having a newborn child. adding a new child member to the immediate family) c) the Life Assured graduates from tertiary education. This option is extended to standard life only.e. . whichever is lower. or legally adopts a child (i. The policyowner may opt for this option at each of the following key life events without providing evidence of health: a) the Life Assured marries or divorce (i.13. or up to a maximum of S$250. 14. This option allows the policyowner to increase Sum Assured of the basic policy up to 50% of MyProtector-Level Plus basic Sum Assured. irrespective of the number of MyProtector-Level Plus Policies the Life Assured may have and the number of times the policy is renewed (under the GRO).

You should read the Product Summary before deciding whether to purchase the policy. before making a commitment to purchase the product. you should consider whether the product in question is suitable for you. Speak with your preferred Financial Adviser or visit www. An early termination of the policy usually involves high costs and the surrender value payable. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract. if any.aviva. This brochure is not a contract of insurance. Information is correct as at Jan 2015. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.com. financial situation and the particular needs of any specific person. Buying a life insurance policy is a long-term commitment. This brochure is published for general information only and does not have regard to the specific investment objectives. A Product Summary in relation to MyProtector is available and may be obtained from Aviva Ltd and the participating distributorsÕ offices. You may wish to seek advice from a financial adviser.sg . In the event that you choose not to seek advice from a financial adviser. may be less than the total premiums paid.Important notes The policy is underwritten by Aviva Ltd.

aviva.: 196900499K GST Reg No. Coverage for your policy is automatic and no further action is required from you. please contact Aviva Ltd or visit the Life Insurance Association or SDIC websites (www.org. where applicable.: MR-8500166-8 Jan 2015 .com. Aviva Ltd 4 Shenton Way #01-01 SGX Centre 2 Singapore 068807 Tel: (65) 6827 9933 Fax: (65) 6827 7706 www.org. No.sg or www.This policy is protected under the Policy OwnersÕ Protection Scheme which is administered by the SDIC. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage.sdic.lia.sg Company Reg.sg).

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