 |
Enjoy a worry-free life with comprehensive protection for you and your loved ones
Everyone wants a bright future. One that’s secure and free from financial burdens. To keep yourself and your family safe, you need a comprehensive coverage plan with short-term premiums that you can pay off during your working years.
With the bulk of your premiums payable in 15 years¹,
AXA’s LivingXcite takes care of you and your loved ones up to the age of 99, while offering bonuses
to grow your wealth, so that you can enjoy a worry-free retirement. What’s more, you will enjoy higher guaranteed coverage* in the first 15 years when your family and financial commitments are higher.
*Refers to 115% of Face Amount, which determines the premiums and benefits offered by LivingXcite. |
| |
| Benefits at a glance |
 |
 |
| |
Comprehensive coverage till you’re 99
Higher coverage in first 15 years
With average life expectancy on the rise, you will need to stay protected for a longer period of time. LivingXcite covers you against Death, Terminal Illness and Critical Illness till age 99, and Total and Permanent Disability till age 65. As you may have higher financial obligations in your prime years, LivingXcite offers higher guaranteed coverage in the first 15 years to take care of you and your family. |
| |
Provide for your loved ones
LivingXcite 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. |
| |
Lower commitment after 15 years
Short-term premiums, long-term protection
A disciplined method of saving allows you to grow a larger nest egg for greater financial freedom. Your premiums will be paid in just 15 years¹, so you won’t need to worry about insurance premiums being a long-term obligation. |
| |
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, LivingXcite lets you enjoy bonuses from the end of the first Policy Year onwards. In addition, upon surrender of your policy (after at least five years), you will receive a lump sum special bonus. This can be used to boost your nest egg during retirement. |
| |
Reassurance with guaranteed cash value
Save while you enjoy protection. In addition to the bonuses, LivingXcite accumulates guaranteed cash
value from the beginning of the second Policy Year onwards. In this way, you won’t have to worry about
market volatility, while looking forward to a tidy sum of money² in your golden years. |
| |
| How it works for you |
|
Illustrative example
If you are a male, non-smoker aged 35³ who chooses LivingXcite, you will enjoy:
 |
lifetime protection against life’s uncertainties |
|
lower financial commitment in your later years |
|
a source of savings² for your retirement |
For less than S$5 a day for 15 years¹, you can look forward to:
If your protection needs become lower over time, you have the flexibility of reducing your Face Amount.
You will receive a projected cash value of S$28,368.50 for your retirement and a coverage of:
|
| |
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. |
| |
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). |
| |
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. |
| |
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. |
| |
To find out more, contact your financial adviser or AXA at
6880 5500 / 6880 5494 today. |
| |
 |
| |
| |
| Important Information: |
| 1 |
Starting from the 16th Policy Year, premiums will be reduced and offset by a guaranteed coupon. In the event that premium rates increase, policyholder will pay the difference. |
|
| 2 |
Via cashing in the bonuses, partial or full surrender of the policy. |
|
| 3 |
Illustration based on male non-smoker at age nearest 35 with Face Amount of S$57,000. Annual premium is S$1,801.20 and projection is based on 5.25% per annum investment rate of return and a reduced Face Amount of S$28,500 at age 65. |
|
Bonuses are not guaranteed, and the actual benefits payable may 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.
|
| |
| |
| |
