AXA Term Protector/ Term Protector Prime – Protect what is important

A flexible and comprehensive term insurance plan that covers you up to age 99. Choose riders to customise your protection plan for higher coverage.

AXA Term Protector/ Term Protector Prime review – Insurance coverage that can keep up with your changing lifestyle and financial needs. Choose from SGD, USD, EUR, GBP or AUD for your insurance payout.

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Your career takes you places and life may lead you in directions you have not thought of. One thing remains for sure, and that is your need for a protection solution that can keep up with your changing lifestyle, location and financial circumstances.

AXA Term Protector provides big protection coverage against death or terminal illness, so you can be assured that your loved ones will be well taken care of.

AXA Term Protector Prime is a simple solution that protects your greatest assets – you, your loved ones, and your business.

Length of coverage (You will be covered to): Up to age 99

Premium term (You pay an insurance premium for): Single lump sum, intervals of 5 years to 30 years or regular yearly premium

AXA Term Protector/ Term Protector Prime (Product Details at a glance)
Cash value and Withdrawal benefit(s) Yes No
Policy cash value X
Surrender/ Maturity value X
Renewable/ Convertible features
Health and Insurance coverage(s) Yes No
Death coverage
Terminal Illness coverage
Total and Permanent Disability coverage
Critical Illness coverage
Early Critical Illness coverage
Optional insurance rider(s) Yes No
Insurance riders to enhance coverage X
Additional product feature(s) Yes No
Enjoy guaranteed renewal without medical checks
Option to convert your policy to other plans
Indexation option to protects against inflation
Comprehensive range of riders for additional coverage
Get protected at your preferred currency: SGD
AUD
EUR
GBP or USD

Supplementary details: AXA Term Protector product brochure

Supplementary details: AXA Term Protector Prime product brochure

Additional product feature(s) on AXA Term Protector/ Term Protector Prime

Detailed features and unique selling points of AXA Term Protector/ Term Protector Prime:

Enjoy guaranteed renewal without medical checks

  • Regardless of your health condition, you can be assured of getting renewed coverage based on the sum assured of your AXA Term Protector or AXA Term Protector Prime.
  • Premiums payable for the renewed policy will be based on your attained age and the prevailing premium rates at the date of renewal.

Option to convert your policy to other plans

  • You are allowed to fully or partially convert the basic policy to a selected range of plans from AXA available at the point of conversion, without further medical underwriting.

Indexation option to protects against inflation

  • Indexation protects your insurance coverage against the effects of inflation, minimising your exposure to inflation risks. Indexation can start or be stopped at any policy anniversary.
  • Premium rates and the sum assured will be adjusted accordingly and made known at each adjustment.

Comprehensive range of riders for additional coverage

  • Refer to the section below for the additional riders for AXA Term Protector or AXA Term Protector Prime

Get protected at your preferred currency: SGD, AUD, EUR, GBP or USD

  • Have the flexibility to stay protected and have your coverage from a range of currency from SGD, AUD, EUR, GBP to USD. You will also pay your insurance premium in the same currency that you wish to have your coverage in.

Additional riders for AXA Term Protector/ Term Protector Prime

The following riders can be added on to your AXA Term Protector or AXA Term Protector Prime at an additional cost for greater assurance to your health and protection goals:

  • Early Critical Illness Payout –  In the event of early to advanced stage critical illness diagnosis (including selected Special conditions and Juvenile conditions), you will get your payment in advance to help you through this difficult time. Only available for Regular Pay.
  • Advance Critical Illness Payout – In the event of a critical illness diagnosis, you will get your payment in advance to help you through this difficult time.
  • Advance Total and Permanent Disability Payout – In the event of total and permanent disability, you will get your payment in advance to support you and your family.
  • Disability Cash Benefit – In the event of total and permanent disability, we will continue supporting you with an annual cash benefit.
  • Critical Illness Plus Benefit – In the event of a critical illness diagnosis, you will receive a lump sum payment without affecting the other benefits of your main plan.
  • Personal Accident Benefit – In the event of injuries or death due to an accident, you will receive payment without affecting the other benefits of your main plan.
  • Guaranteed Survival Payout – In the event you outlive the term of the policy, you will get reimbursed with the prevailing sum assured. No medical underwriting is required for this rider, and issuance of this rider is guaranteed. Only available for Term-to-age 99.
  • Critical Illness PremiumEraserIn the event of a critical illness diagnosis, your future premiums will be waived.
  • Premium Waiver – In the event of early to advanced stage critical illness diagnosis, your future premiums will be waived. In addition, in the event of involuntary loss of income, your premiums for the next 6 months will be waived.
  • Payer PremiumEraser – In the event of total and permanent disability, critical illness from early to advanced stage, or death of the payer, your future premiums will be waived and your loved one continues to be covered. You can also choose to be covered in the event of involuntary loss of income, so your premiums for the next 6 months will be waived.

Who should take up an AXA Term Protector/ Term Protector Prime

AXA Term Protector or AXA Term Protector Prime is a term life insurance plan. This category of insurance plans are suitable or unsuitable depending on the following factors:

AXA Term Protector/ Term Protector Prime is suitable for

  • Insurance coverage in the event of death
  • Affordable premiums for the highest insurance coverage
  • Flexibility to increase your coverage at important milestones in life
  • A lifetime of insurance coverage (Up to age 99)
  • A one-time premium commitment with no further payment required
  • To enhance or supplement existing coverage due to a shortfall
  • Coverage for critical illness (with additional riders)
  • Coverage for early critical illness (with additional riders)
  • Allowing multiple claims across all stages of critical illness (early, immediate and advance)
  • Options to waive off future insurance premium in the event of disability, critical illness or early critical illness (with additional riders)

AXA Term Protector/ Term Protector Prime is not suitable for

  • Protection plan with savings/ cash value or investment returns
  • Protection plan with guaranteed issuance (medical underwriting may be required)

Sample policy illustration for AXA Term Protector/ Term Protector Prime

Coming soon.

Learn more about AXA Term Protector/ Term Protector Prime

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