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Features
  This plan is a one-year term insurance plan that is renewable up to age 60. It offers protection against death and terminal illness for a period of one year, which may be renewed on an annual basis up to the Life Assured's 60th birthday, regardless of the health of the Life Assured.

The plan is non-participating and does not have a cash value.

The premiums are not guaranteed and may be adjusted based on future experience.
   
  Benefits
  A. Death Benefit
The benefit will be payable upon death of the Life Assured during the insurance coverage.
   
  B. Terminal Illness Benefit
The Death Benefit will be advanced in the event that the Life Assured is diagnosed with a Terminal Illness during the insurance coverage.

Terminal Illness means the conclusive diagnosis of an illness that is expected to result in the death of the Life Assured within twelve (12) months. The Terminal Illness must be diagnosed by a specialist and the diagnosis must be confirmed by Aviva's appointed Registered Medical Practitioner. Terminal Illness in the presence of HIV infection is excluded.

Key Provisions for Terminal Illness Benefit
Termination
This benefit shall terminate on the earliest occurrence of the following:
a) The date the Policy terminates;
b) The date a valid claim for the Terminal Illness Benefit is made; or
c) The death of the Life Assured
   
  Guaranteed Renewability
  The policy will be renewed, without new evidence of insurability, for a further term of 1 year on each policy anniversary by payment of the premiums due. The policy can be renewed up to and including the policy anniversary immediately after 60th birthday of the Life Assured.
   
  Premiums/Charges
  The premium rates will vary by age bands and will increase as the Life Assured moves in to a new age band.
   
 
Your Age Next Birthday
Your Monthly Premium per S$100,000 sum assured
18 - 40
$20
41 - 50
$35
51 - 55
$65
56 - 60
$125
   
  The premiums and charges for this plan are not guaranteed and may be adjusted based on future experience. Any such change will only take effect at subsequent renewals, and the Life Assured will be notified in writing at least 30 days before the Policy Renewal Date.
   
  Exclusion
  No benefit shall be payable under this plan for suicide within the first year.

You are advised to read the policy for the full list of exclusions.
   
  Free Look
  Within fourteen (14) days of receipt of the Policy, you may write to us to cancel your Policy. We will refund the premiums you have paid after deducting any expenses incurred in issuing the Policy.

The refund will be made after we receive the original Policy for cancellation. If the Policy was sent to you by post, you are considered to have received it seven (7) days after posting.
   
   
  Key Information
  1. In the event of a valid claim, the claimant may choose to receive either:
a) Monthly payments of S$1,000* for ten years; or
b) A lump sum payment of S$100,000.

* The monthly payment may be adjusted upon renewal, but will be fixed upon a claim    and guaranteed for the ten-year payout period.
   
  2. Termination
The Policy shall terminate on the earliest occurrence of the following:
a) The death of the life assured
b) The payment of a valid claim under the Terminal Illness Benefit
c) Full surrender/withdrawal
d) Non payment of premium(s)
e) On the policy anniversary date immediately after Your sixtieth
    (60th) birthday

The termination of the plan shall be without prejudice to any claim event arising prior to such termination.
   
  Note
  The above is merely a summary of the product offered. The precise terms and conditions of the product are set out in the policy contract.
   
  Details of Insurer
 

Aviva is the world's 5th largest insurance group*, the biggest in the UK and a leading provider of life, health and pensions products to markets across Europe. The group's main activities are long-term savings, fund management and general insurance, with worldwide total sales of S$109 billion*, and S$918 billion* in assets under management. It has 58,000 employees serving 35 million customers worldwide.
(*as at 31 Dec 2005)

   
   
  Important Notes
 This webpage is intended as a general summary and does not constitute a contract for insurance. You should read the policy documentation relating to any specific product and carefully consider whether the product is suitable for you. You may wish to seek advice from a qualified financial advisor before purchasing. The standard terms and conditions of this plan are provided in the policy contract which will be sent to you upon acceptance of your application by Aviva Ltd.
   
   
 
   
   
 
 
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