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Secure a bright future for you and your family with lifetime protection
Everyone wants to enjoy the best in life with their loved ones. Through good times and bad, you want to feel
protected. To ensure that your future is not compromised, you need a plan that takes care of you for life.
AXA’s LifeXcite provides you and your family with a lifetime of financial security. Even if something
unexpected were to occur, your family won’t need to worry about additional financial burdens. Or that their
lifestyle will change for the worse. What’s more, LifeXcite lets you plan for your retirement through disciplined savings and enhancing your wealth with bonuses. Now, you can enjoy a worry-free life that’s
well-protected. |
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Coverage till age 99
Comprehensive protection
With average life expectancy on the rise, you will need to stay protected for a longer period of time. LifeXcite provides comprehensive protection that covers you for life. With LifeXcite, you are covered against Death and Terminal Illness till age 99, and Total and Permanent Disability till age 65. With LifeXcite Enhancer, you will get added Critical Illness coverage for life, where you are protected against 30 major Critical Illnesses in
Singapore such as cancer and heart attack. |
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Provide for your loved ones
LifeXcite is the ideal gift to purchase for your loved ones because your family is your main priority and you
want to provide for them forever. Should something unfortunate such as Total and Permanent Disability
(before age 65) or Death (before age 99) happen to you, the premiums will be waived with Payer
PremiumEraser. For even greater peace of mind, Payer PremiumEraser Plus waives future premiums if
you suffer from any of the 30 Critical Illnesses, Total and Permanent Disability or Death. |
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Certainty over premiums
Affordable level premiums
Inflation rates may rise due to changing market conditions, but your premiums won’t need to. With LifeXcite’s level premium payable to age 88, you will still be able to enjoy guaranteed protection on your
plan without worrying about rising premiums.
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Confidence during retirement
Enjoy bonuses to maximise your wealth
Prepare for a smooth road to retirement by accumulating bonuses over the years. By taking part
in the profits of the Participating Fund, LifeXcite lets you enjoy bonuses from the end of the first Policy Year
onwards. In addition, upon surrender of your policy for its cash value (from the 10th Policy Year onwards), you will receive a lump sum special bonus. This can be used to boost your nest egg during retirement. |
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Reassurance with guaranteed cash value
Save while you enjoy protection. In addition to the bonuses, LifeXcite accumulates guaranteed cash
value from the beginning of the third Policy Year onwards. In this way, you won’t have to worry about
market volatility, while looking forward to a tidy sum of money¹ in your golden years. |
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| How it works for you |
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Illustrative example
If you are a male, non-smoker aged 40² who chooses LifeXcite with LifeXcite Enhancer, you will enjoy:
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comprehensive protection of Death, Terminal Illness,Total and Permanent Disability and Critical Illness |
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lifetime protection against life’s uncertainties |
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knowing your financial burden won’t increase |
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a source of savings¹ for your retirement |
For only about S$5 a day, you can look forward to:
If your protection needs become lower over time, you have the flexibility of reducing your Sum Assured.
You will receive a projected cash value of S$24,983 for your retirement and a coverage of:
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Enjoy financial flexibility
There are times when you may find it difficult to make regular payment for your LivingXcite premiums. You
can rest assured that there are several options available, so that your family continues to enjoy
protection against life’s uncertainties. |
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Automatic policy continuity
To prevent premature termination of your policy, the Automatic Premium Loan feature will automatically
offset unpaid premiums against your policy cash value (with interest charged). |
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Cash loans in times of need
Emergencies may occur at any time and you may need a helping hand. With the accumulated cash value from your policy, you are able to take out loans (with interest charged), which help tide you over difficult times. |
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On-going protection for peace of mind
Staying well-protected remains a priority even if you are financially tied and face difficulty in continuing your
premium payment. It’s reassuring to know that you have the flexibility to cease premium payment and use
your policy cash value to convert your plan to a non-participating policy, while providing you and your
family with continued protection for life. |
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To find out more, contact your financial adviser or AXA at
6880 5500 / 6880 5494 today. |
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Important Information:
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Via cashing in the bonuses, partial or full surrender of the policy. |
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Illustration based on male non-smoker at age nearest 40 with Sum Assured of S$50,000. Annual premium is S$1,815.50 and projection is based on 5.25% per
annum investment rate of return and a reduced Sum Assured of S$25,000 at age 65. |
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Bonuses are not guaranteed, and the actual benefits payablemay vary according to the future experience of the Participating Fund.
The bonus cash surrender value is less than the full amount of bonuses paid upon a claim.
This is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract.
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 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.
A product summary is available and may be obtained from AXA Life Insurance Singapore Pte Ltd and the participating distributors’ offices. You should read the product summary before deciding whether to purchase the policy.
The above is for your information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. 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.
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