DIRECT- Aviva Term Life

Direct Aviva TermLife


What is DIRECT– Aviva Term Life?

Life is lived best when you have the basics covered. When it comes to insurance, the most basic preparation for the future is to make sure that your loved ones will have a financial safety net to tide them over, if ever the worst happens.

Here are the key benefits of DIRECT– Aviva Term Life:

  • Enjoy $400,000 coverage for as little as $0.621 per day.
  • Receive a lump sum payout when Death, Terminal Illness or Total and Permanent Disability happens
  • Pay the same premium amount, guaranteed throughout the cover term
  • Choose your cover term – 5 years, 20 years, or up to age 65
  • Benefit from a Guaranteed Renewable Option to renew your coverage2 for a 5 year cover term up to age 85 regardless of your future health condition

Features DIRECT- Aviva Term Life
Basic benefits Death, Terminal Illness and Total and Permanent Disability
Potential Bonuses No
Entry age (age next birthday) Age 19-65 (depending on the Coverage Period or Premium Payment Period)
Country of residence For residents of Singapore
Coverage Sum Assured from $50,000 to $400,000
Death and Terminal Illness (TI) coverage period Select any of the three cover terms:
i) 5 years with guaranteed renewable2 term
ii) 20 years
iii) from policy start date to age 65
Total and Permanent Disability (TPD) coverage period Same duration as Death and Terminal Illness coverage period or ends after age 65, whichever is earlier
Optional rider :
DIRECT- Aviva Critical Illness Cover
Same duration as Death and Terminal Illness coverage period, but can only be purchased if the policy coverage period does not exceed age 65
Accumulate Cash Value No
Premium Payment Period Same as the policy coverage period
Premium Payment Options Choose to pay either monthly, quarterly, half-yearly or yearly

Please note that a maximum coverage of Sum Assured $400,000 is allowed under both the plans with a sub-limit of $200,000 for DIRECT- Aviva Whole Life.

Product Summaries for DIRECT- Aviva Term Life


Amp up your coverage!

What’s more – add the DIRECT– Aviva Critical Illness Cover3 to your plan and be insured for 30 critical illnesses. This critical illness cover allows you to receive a lump sum payout when you are diagnosed with any of the 30 critical illnesses.

Product Summaries for DIRECT- Critical Illness Cover



1. Illustration is based on an individual standard life application on DIRECT– Aviva Term Life – a male of age 35 next birthday, non-smoker who chooses a 5-year renewable term policy with annual premium payment mode.

2. Guaranteed Renewable Option (GRO) is only applicable to the 5-year renewable term policy. Upon renewal, the Life Assured is insured for the same Sum Assured as before the renewal date and for the same policy term. Premiums will be adjusted based on the age of the Life Assured at renewal and a notice will be mailed to notify you of the new premium payable. GRO is also applicable to DIRECT– Aviva Critical Illness Cover, if attached to the basic policy at inception. Please refer to the Product Summary and Policy Contract for more details.

3. DIRECT– Aviva Critical Illness Cover rider does not cover pre-existing medical conditions and claims made in relation to selected critical illnesses within the 90-day waiting period (from policy start date). In the case of a claim for Angioplasty & Other Invasive Treatment for Coronary Artery, 10% of the sum assured for this rider, subject to a maximum of S$25,000, is payable. Premium rate for the rider is non-guaranteed and may be adjusted by us based on future claims experience. Please refer to the Product Summary for more details.


The policies are underwritten by Aviva Ltd.

The information on this page is for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. Product Summaries for direct purchase insurance may be obtained from Aviva Ltd and

As direct purchase insurance are sold without financial advice, you should make sure you have carefully assessed your insurance needs as well as whether you can afford the premiums for the duration of the policy. You should also read the Product Summary, Benefit Illustration, Direct Purchase Insurance Factsheet and all related information on to understand the features of the product and assess whether the product you have chosen is appropriate to your financial needs and insurance objectives.

Buying a life insurance product, including a direct purchase product, 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 is not a contract of insurance. Full details of the standard terms and conditions of the plans can be found in the relevant policy contract.

Information correct as at April 2016.

The policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required fro 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 us or the Life Insurance Association Singapore or SDIC website ( or


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