In today's uncertain world, securing your family's financial future is paramount. Term life insurance offers an affordable way to provide substantial protection for your loved ones. AIA Secure Flexi Term stands out as a versatile and cost-effective solution, designed to meet your evolving needs. With its flexible coverage options, guaranteed premiums, and unique features like the Terminal Cancer Benefit, this plan offers comprehensive protection that adapts to your life stages. Let's explore how AIA Secure Flexi Term can help you color your life with confidence and security.
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AIA Secure Flexi Term offers a robust set of benefits designed to provide comprehensive protection for you and your loved ones. From substantial death coverage to unique features like the Terminal Cancer Benefit, this plan ensures you're well-protected against life's uncertainties. Let's delve into the key coverage aspects and benefits that make this plan stand out.
AIA Secure Flexi Term provides a significant death benefit, with coverage amounts as high as $1 million available. This ensures your beneficiaries receive substantial financial support in the event of your passing.
As a term life insurance product, AIA Secure Flexi Term does not accumulate cash value. This allows for lower premiums, making high coverage amounts more affordable.
This plan does not offer bonuses or dividends. Instead, it focuses on providing maximum protection at competitive premium rates.
The plan includes a Terminal Illness Benefit, which accelerates the full death benefit if you're diagnosed with a terminal illness expected to result in death within 12 months. This benefit is subject to a maximum of $20 million per life.
Total and Permanent Disability (TPD) coverage is available as an optional rider. It provides protection up to age 65, with a maximum benefit of $7.5 million per life.
An optional Critical Illness rider covers 43 major critical illnesses. It offers a maximum benefit of $25,000 for Angioplasty & Other Invasive Treatment for Coronary Artery, providing comprehensive health protection.
AIA Secure Flexi Term offers remarkable flexibility to adapt to your changing needs throughout life. From various policy terms to guaranteed renewability and conversion options, this plan is designed to grow with you. Let's explore the key features that make this plan highly adaptable and user-friendly.
AIA Secure Flexi Term accommodates a wide range of entry ages, allowing individuals from various life stages to benefit from its protection. Specific age ranges are not provided in the given information.
Choose between renewable terms of 5, 10, 20, or 30 years, or opt for level terms up to age 65 or 75. This flexibility allows you to align your coverage with your specific life stage and financial goals.
Enjoy peace of mind with guaranteed renewability up to age 101, regardless of your health condition. This feature ensures continuous protection even as your health status changes over time.
Before age 70, you have the flexibility to convert your policy to an AIA endowment, investment-linked, or whole life plan without further medical underwriting. This allows your coverage to evolve with your changing needs.
Premiums are guaranteed to remain constant throughout your chosen policy term. For renewable plans, renewal premiums will be based on your age at renewal and are not guaranteed.
| Age | What suggestion covers | Premium |
|---|---|---|
| 25, Female making $3,333.333 a month | accident medical reimbursement $3,000 accidental death $250,000 accidental dismemberment and burns $250,000 accidental major dismemberment $750,000 accidental permanent total disability $750,000 additional payout for accidental death $250,000 ambulance services $200 broken bones $12,000 daily accidental hospital income $150 daily accidental icu $150 emergency medical evacuation and repatriation $25,000 tcm chiropractic medical reimbursement $750 | Not provided |
| 40, Female making $6,000 a month | Not elaborated | Not provided |
| 25, Male making $5,833.333 a month | critical illness: early stage $200,000 total $500,000 death and disability $1,000,000 | $1,501.75 annual |
| 34, Male making $10,000 a month | Not elaborated | $594.3 annual |
AIA Secure Flexi Term offers a range of optional riders to enhance your protection and tailor the policy to your specific needs. These riders provide additional coverage for critical illnesses, disabilities, and premium waivers. Let's explore the key riders available to complement your base policy.
This rider provides coverage for 43 major critical illnesses. It offers comprehensive protection against severe health conditions, ensuring financial support when you need it most.
Enhance your protection with coverage for 32 early and 29 intermediate critical illnesses, as well as 5 special conditions. This rider pays out 100% of the coverage amount for early or intermediate critical illnesses.
The Total & Permanent Disability rider offers additional assurance in the event of disability. It provides coverage up to age 65, with a maximum benefit of $7.5 million per life.
Various Premium Waiver riders are available to waive future premiums in case of critical illness or disability. These riders ensure your coverage remains intact even if you're unable to pay premiums due to health issues.
While we are not directly affiliated with AIA, we can provide some general information about their claims and customer service process. AIA Singapore offers multiple channels for filing claims and seeking customer support. Policyholders can typically submit claims online through AIA's customer portal, via email, or by visiting an AIA branch office. For customer support, AIA provides a dedicated hotline at 1800 248 8000, operating Monday to Friday from 8:45am to 5:30pm. Additionally, customers can reach out through AIA's official website or mobile app for general inquiries and assistance. It's always recommended to refer to your policy documents or contact AIA directly for the most up-to-date and accurate information regarding claims and customer service procedures.
AIA Secure Flexi Term is an excellent choice for individuals seeking affordable, flexible, and comprehensive life insurance coverage. It's particularly well-suited for young professionals starting their careers, growing families looking for substantial protection at reasonable costs, and those nearing retirement who want to leave a legacy. The plan's flexibility, guaranteed renewability, and unique features like the Terminal Cancer Benefit make it a versatile option for various life stages.
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