Introduction
Whole life insurance provides lifelong protection and financial security for your loved ones. AXA Life Exentials, a comprehensive whole life policy, offers enhanced coverage and flexibility to meet your evolving needs. With its unique features and benefits, this product stands out in the crowded insurance market. Whether you're looking for substantial death benefits, critical illness coverage, or long-term savings potential, AXA Life Exentials aims to provide a well-rounded solution for your financial protection needs.
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Coverage and Benefits
AXA Life Exentials offers a range of comprehensive coverage options and benefits designed to provide financial security throughout your lifetime. From substantial death benefits to critical illness protection, this policy aims to safeguard you and your loved ones against various life uncertainties. Let's explore the key features that make this product stand out.
Enhanced Death Benefit
Receive up to 3.5 times your chosen basic Sum Assured as the Minimum Death Benefit. This increases to up to 7 times if death results from an accident, providing substantial financial protection for your beneficiaries.
Guaranteed Cash Value
Accumulate cash value over time, offering a savings component alongside protection. This feature provides financial flexibility and potential for long-term wealth accumulation.
Non-Guaranteed Bonuses
Enjoy potential bonus payouts during the course of the policy. These accumulated bonuses can significantly enhance your retirement fund, adding value to your overall coverage.
Terminal Illness Coverage
Receive the same benefit as the death benefit if diagnosed with a terminal illness. This feature ensures financial support during challenging times.
TPD Protection
Benefit from Total and Permanent Disability (TPD) coverage, providing financial support if you become permanently disabled. This coverage continues until the policy anniversary nearest to your 70th birthday.
Comprehensive CI Coverage
Get protection against 99 critical illness conditions across early, intermediate, and advanced stages for your entire life. This extensive coverage ensures broad protection against various health risks.
Investment and Savings Components
AXA Life Exentials combines protection with potential for long-term wealth accumulation. The policy's investment and savings components are designed to provide you with financial growth opportunities alongside insurance coverage. Here's an overview of how your money can work for you with this product:
Participating Fund
Your premiums are invested in AXA's participating fund. This fund aims to provide stable returns over the long term, balancing risk and potential rewards.
Historical Performance
While past performance doesn't guarantee future results, AXA's participating fund has historically provided competitive returns. Consult with an AXA financial consultant for detailed historical performance data.
Projected Growth
Based on the illustrative example provided, a 30-year-old male non-smoker with a Sum Assured of $100,000 could potentially receive a total maturity payout of $361,965 at age 99, assuming an investment return of 4.75% on the participating fund.
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Riders
AXA Life Exentials offers optional riders to enhance your coverage and tailor the policy to your specific needs. These add-ons provide additional protection and benefits, allowing you to create a comprehensive insurance solution. Here are the key riders available with this product:
Accelerated Critical Illness
This rider accelerates the Death Benefit if you're diagnosed with any of 30 listed Critical Illnesses. It provides a partial or full payout of the Death Benefit, depending on the specific Critical Illness claimed.
Short-Term Disability
Receive a monthly sum to help cover expenses during a prolonged medical leave from work due to short-term disability. This rider provides additional financial support during temporary incapacitation.
Special Conditions Coverage
Get protection against 10 Special Conditions with an additional payout of up to $125,000. This rider expands your coverage to include specific health conditions not typically covered in standard policies.
Policy Loan and Surrender Options
AXA Life Exentials provides flexibility through policy loan and surrender options, allowing you to access the cash value of your policy if needed. These features can be valuable in times of financial need or if your insurance requirements change. Here's what you need to know about these options:
Policy Loan Terms
While specific details aren't provided, policy loans are typically available against the cash value of the policy. Interest rates and terms should be discussed with an AXA financial consultant.
Surrender Value
The policy accumulates cash value over time. For example, at age 65, Andy (from the illustrative example) has the option to surrender his policy and receive $101,852, based on an investment return of 4.75% on the participating fund.
Market Comparison
AXA Life Exentials offers competitive surrender values compared to average whole life insurance products. However, it's important to compare specific policies and consult with a financial advisor for personalized advice.
Claims and Customer Service
AXA prioritizes customer satisfaction by providing efficient claims processing and responsive customer service. To file a claim or seek assistance, policyholders can contact AXA Customer Care at 1800 880 4888. The company's main office is located at 8 Shenton Way #24-01 AXA Tower, Singapore 068811, with a dedicated Customer Care center at #B1-01. For written communications, you can use fax number 6880 5501. AXA's team of professionals is committed to guiding you through the claims process and addressing any queries or concerns you may have about your AXA Life Exentials policy.
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Conclusion
AXA Life Exentials is well-suited for individuals seeking comprehensive lifetime protection with flexible premium payment options. It's particularly beneficial for those wanting high death benefit coverage, extensive critical illness protection, and the potential for long-term savings. Young professionals starting families or individuals looking to secure their financial future may find this product especially appealing.
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