MyProtector AVIVA Brochure

Choose only
what you need.
MyProtector
Flexible and affordable cover.
Protection that is
customised to you.
Uniquely.
Singaporeans are 11 times underinsured2.
In Singapore, the top causes of death are

cancer (30.1%) and pneumonia (16.8%)
which together, cause 2 in 5 deaths3.
When faced with odds like these, 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. If youre concerned
about the future should the worst happen,
MyProtector will give quality, value-for-money
coverage for you and your family.
Buying a packaged
term plan?
Youd be paying for benefits
you dont really need.
Choose only what you need with MyProtector.
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.
Allows you to enhance your coverage by complementing
your plan with your choice of riders.
Lets you choose between level term and decreasing term.
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.
Level Term4
Policy Term
Sum Assured
Daily Premium
MyProtector-Level
Plus
25 years
S$500,000
S$1.83
It only costs you

5
S$1.83 per day
Add your choice of riders for more comprehensive coverage.
Level Term4
Policy Term
Sum Assured
Daily Premium
Enhanced Total and

Permanent Disability
Benefit
25 years
S$500,000
S$0.21
Enhanced Critical
Illness Accelerated
Benefit
25 years
S$500,000
S$3.03
Male Illness Cover II
25 years
S$50,000
S$0.36
Accidental Death
and Dismemberment
Benefit
25 years
S$250,000
S$1.14
Total: S$6.57/day
Decreasing Term
MyProtector can also pay a decreasing sum year-on-year over the term of the
policy, ideal for coverage of reducing debts such as mortgages and loans.
You can choose 1%, 2%, 3%, 4%, 5%, 7% or 9% to suit your requirement.
Decreasing
Term7
MyProtector
Decreasing
Policy Term
Sum Assured
Daily Premium
30 years
S$350,000
S$1.55
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$0.24
Critical Illness
Accelerated
Benefit
30 years
S$350,000
S$2.96
Total: S$4.75/day
Choice of Riders
You can choose to add these riders to MyProtector-Level Plus and MyProtector
Decreasing.
MyProtector Decreasing
Enhanced Total and Permanent

Disability Benefit
- Pays a lump sum payment upon
Total and Permanent Disability.
Total and Permanent

Disability Benefit
- Pays a lump sum payment upon
Total and Permanent Disability.
- Coverage up to age 70.
- Guaranteed renewable option

(for 5 and 10 years term).
Enhanced Critical Illness
Accelerated Benefit
Critical Illness
Accelerated Benefit
- Coverage for 36 major critical illnesses.
- Coverage for 36 major critical illnesses.
- Guaranteed renewable option

(for 5 and 10 years term).
- Coverage of up to age 99.

8
Critical Illness Premium Waiver

Waiver of future premiums upon diagnosis of the critical illnesses covered.
For MyProtector-Level Plus, you can also choose to add these riders.
Male Illness Cover II

Pays a lump sum payment upon diagnosis of the specific male illnesses covered.
It also reimburses medical expenses of the covered surgical procedures.
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 Critical Illness Premium Waiver
Waiver of future premiums if the policyowner is diagnosed with one of the covered
Critical Illnesses.
Payer Premium Waiver Benefit
Waiver of future premiums if the policyowner dies or is diagnosed with Terminal

Illness or Total and Permanent Disability.
More choices available
Choice of Coverage Term up to age 99

Coverage term of 5 years or 10 years
and up to 99 Age Next Birthday,
at every one year interval.
MyProtector Decreasing
Coverage term of 10 years and
up to 99 Age Next Birthday,
at every one year interval.
Choice of premium currency and payment method

You have a choice of six currencies: SGD, USD, GBP, EUR, AUD and HKD.
Premium payments can be made annually, half-yearly, quarterly or monthly.
You have the flexibility to fulfill your premium payments via cheque, direct debit,
telegraphic transfer, bankers draft or credit card (MasterCard or Visa)9.
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. Both of you will be covered with just
one simple application.
Worldwide Coverage
You can continue to enjoy peace of mind even when you relocate as MyProtector
gives you continuous global coverage.
More choices available
For MyProtector-Level Plus, there are also these additional features.
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.
Increase coverage at key life events

Guaranteed Issuance Option (GIO)13 provides the flexibility to increase coverage
when you reach key milestones in life, such as marriage, starting a family or
even upon graduation.
No Nationality Loading
The basic premium will be the same irrespective of your nationality1.
Interim Cover
Interim Accidental Death Cover14

Apply for MyProtector today and get immediate accidental death cover of up to
S$500,000. The interim accidental death coverage starts from the date you sign
the application, at no additional cost.
What you need to know
1. Terms and conditions apply.

2. Source: Studies show Singaporeans grossly underinsured by Jo-ann Huang
posted on 19 November 2010 on Channel NewsAsias website.
3. Source: Ministry of Health Principal Causes of deaths in 2012. Posted on:
https://www.moh.gov.sg/content/moh_web/home/statistics/Health_Facts_Singapore/Principal_Causes_of_Death.html
4. Illustration based on an Individual standard life application a Singaporean male

of age 35 next birthday who resides in Singapore and does not smoke.
5. Premiums shown are level and guaranteed.
6. Premiums shown are level but are not guaranteed and may be adjusted based
on future experience.
7. Illustration based on a Joint-Lives standard life application a Singaporean male
of age 35 next birthday and a Singaporean female of age 30 next birthday. Both
lives assured do not smoke and reside in Singapore. Interest rate selected is 3%.
What you need to know
8. For more details on the riders, please refer to the Key Provisions in the
Product Summary.
9. Credit card is available for initial premium payment only.
10. Spouse must be the legal wife/husband of the applicant and must not be
divorced or legally separated from the applicant.
11. Guaranteed Renewable Option (GRO) is only applicable to policy term 5 years
or 10 years. Upon renewal, the Life Assured is insured for at most the same Sum
Assured as before the renewal date and for the same policy term. No new policy
will be issued. GRO is also applicable to Enhanced Total and Permanent Disability
Benefit and/or Enhanced Critical Illness Accelerated Benefit, if attached to the basic
Policy at inception. Please refer to the Product Summary for more details.
12. Premiums payable for the renewed Policy will be based on the Life Assureds
attained age and the prevailing premium rates at the date of renewal.
13. 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.e. change of marital status)
b) the Life Assured becomes a parent by having a newborn child, or legally
adopts a child (i.e. adding a new child member to the immediate family)
c) the Life Assured graduates from tertiary education.
This option allows the policyowner to increase Sum Assured of the basic policy up
to 50% of MyProtector-Level Plus basic Sum Assured, or up to a maximum of
S$250,000 per life, whichever is lower. The limits are set for MyProtector-Level Plus,
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). This option is
extended to standard life only. Please refer to the Product Summary for more details.
14. Terms and conditions apply. Please refer to Contract Provision for details.
Important notes
The policy is underwritten by Aviva Ltd.

This brochure is published for general information only and does not have
regard to the specific investment objectives, financial situation and the particular
needs of any specific person. A Product Summary in relation to MyProtector
is available and may be obtained from Aviva Ltd and the participating distributors
offices. You should read the Product Summary before deciding whether to
purchase the policy. You may wish to seek advice from a financial adviser,
before making a commitment to purchase the product. In the event that you
choose not to seek advice from a financial adviser, you should consider whether
the product in question is suitable for you.
Buying a life insurance policy is a long-term commitment. An early termination
of the policy usually involves high costs and the surrender value payable, if
any, may be less than the total premiums paid. Buying health insurance products
that are not suitable for you may impact your ability to finance your future
healthcare needs. This brochure is not a contract of insurance. Full details of
the standard terms and conditions of this plan can be found in the relevant
policy contract.
Information is correct as at Jan 2015.
Speak with your preferred Financial Adviser or visit www.aviva.com.sg
This policy is protected under the Policy Owners Protection Scheme which is
administered by the SDIC. Coverage for your policy is automatic and no further
action is required from you. For more information on the types of benefits that
are covered under the scheme as well as the limits of coverage, where applicable,
please contact Aviva Ltd or visit the Life Insurance Association or SDIC websites
(www.lia.org.sg or www.sdic.org.sg).
Aviva Ltd 4 Shenton Way #01-01 SGX Centre 2 Singapore 068807 Tel: (65) 6827 9933 Fax: (65) 6827 7706
www.aviva.com.sg Company Reg. No.: 196900499K GST Reg No.: MR-8500166-8
Jan 2015
MyProtector_Brochure_A5_v1.2_Jan2015

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Choose only

what you need.

Singaporeans are 11 times underinsured2.

In Singapore, the top causes of death are

When faced with odds like these, can you fully

Level Term with

It only costs you

Enhanced Total and

Male Illness Cover II

Add your choice of riders for more comprehensive coverage.

Enhanced Total and Permanent

Total and Permanent

- Coverage up to age 70.

- Coverage up to age 70.

- Guaranteed renewable option

- Coverage for 36 major critical illnesses.

- Coverage for 36 major critical illnesses.

- Guaranteed renewable option

- Coverage of up to age 99.

- Coverage up to age 99.

Critical Illness Premium Waiver

Male Illness Cover II

Female Illness Cover II

Accidental Death and Dismemberment Benefit

Payer Critical Illness Premium Waiver

Payer Premium Waiver Benefit

Waiver of future premiums if the policyowner dies or is diagnosed with Terminal

More choices available

Choice of Coverage Term up to age 99

Choice of premium currency and payment method

Protection for your loved ones

More choices available

For MyProtector-Level Plus, there are also these additional features.

Guaranteed Renewable every 5 years or 10 years

Increase coverage at key life events

Interim Accidental Death Cover14

What you need to know

1. Terms and conditions apply.

4. Illustration based on an Individual standard life application a Singaporean male

What you need to know

The policy is underwritten by Aviva Ltd.

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