Group Term Life Insurance

Claim your privileges through a protection plan created specially with you in mind.

Group Term Life (Voluntary Scheme)

Specially created in recognition to your efforts to protect our nation, Group Term Life is a high protection insurance plan that provides you and your family with a comprehensive and value-for money coverage of up to S$1,000,000 at just S$1.371 per day.

Key Benefits:

  • Get maximum coverage of up to S$1,000,000 at S$1.371 per day, in the event of death or Total and Permanent Disability (TPD)
  • Pay the same premium rate up to age 65 (age next birthday)
  • Receive S$30 per day if you’re hospitalised2
  • Receive Advance Payment Benefit of up to S$400,0003
  • 24/7 worldwide coverage
  • Your spouse can continue to be covered in the event of your death

For details on the plans benefits, please click here.

Protection Cover and Premium Rates:

You and your spouse / children may choose to take up any amount of protection cover from a minimum amount of S$10,000 to a maximum amount S$1,000,000, in multiples of S$10,000.

Monthly Premium (S$) Member/Affiliate Member / Spouse / Children
ANB 65 and below 66* 67* 68* 69* 70*
100,000 4.10 70.90 78.00 86.50 95.60 106.00
200,000 8.20 141.80 156.00 173.00 191.20 212.00
300,000 12.30 212.70 234.00 259.50 286.80 318.00
400,000 16.40 283.60 312.00 346.00 382.40 424.00
500,000 20.50 354.50 390.00 432.50 478.00 530.00
600,000 24.60 425.40 468.00 519.00 573.60 636.00
700,000 28.70 496.30 546.00 605.50 669.20 742.00
800,000 32.80 567.20 624.00 692.00 764.80 848.00
900,000 36.90 638.10 702.00 778.50 860.40 954.00
1,000,000 41.00 709.00 780.00 865.00 956.00 1,060.00

* For renewal only


  1. Premium shown is based on monthly rate (rounding off to the nearest cent) for an Insured Person, aged below 65 at next birthday.

    To be considered as total and permanent disability for the purpose of this Benefit, the total and permanent disability is defined as:

    1. total and permanent, such that there is neither at the time it is first sustained nor at any time thereafter, any work, occupation or profession that the Insured Person can ever sufficiently do or follow to earn or obtain any wages, compensation or profit; or
    2. The total and irrecoverable:

      1. loss of the sight of both eyes; or
      2. loss by severance of or total and permanent loss of use of both hands at or above the wrists; or
      3. loss by severance of or total and permanent loss of use of both feet at or above the ankles; or
      4. loss by severance of or total and permanent loss of use of one hand at or above the wrist and one foot at or above the ankle; or
      5. loss of sight of one eye and loss by severance of or total and permanent loss of use of one hand at or above the wrist or one foot at or above the ankle.

      If the sum payable in respect of a valid claim is above S$200,000, the Company will first pay a lump sum of S$200,000 and pay the balance in three (3) equal annual instalments. The first annual instalment will be paid on the 1st anniversary of the initial lump sum payment and the remaining two instalments will be paid on the 2nd and 3rd anniversary respectively. Please refer to the Product Summary for more details.

  2. S$30 per day Hospital Cash Benefit is payable from 11th to 30th day of the hospital stay, upon claim submission and approval. The S$30 Hospital Cash Benefit can only be claimed either under the Core Scheme or Voluntary Scheme.
  3. Aviva will pay an advance payment of 100% of the Sum Assured, up to a maximum of S$400,000 in the event an Insured Person is diagnosed to be suffering from any diseases which is probable to lead to death within the next twelve months, provided no other Benefit has been paid to Insured under this policy or the attached riders. For more details, please refer to the Product Summary or contact us at 6827 8000 or email

For enquiries on claims matters, please contact the Aviva Customer Service Hotline at 6827 8000 (Mondays to Fridays excluding Public Holidays, 8:45am to 5:30pm). You may also email us at

In addition, read our FAQs to find out more about MINDEF & MHA Group Insurance.

The policy is underwritten by Aviva. This 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. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser representative, 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 cost and the surrender value payable, if any, may be less than the total premium paid. Buying health insurance products that are not suitable for you may impact on your ability to finance your future healthcare needs. This is not a contract of insurance. Information is correct as at June 2016.