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AIA Secure Flexi Term Review

The complete Pros and Cons on AIA Secure Flexi Term

As low as S$1.36 a day, AIA Secure Flexi Term is a term life plan that offers S$1 million protection against Death, Terminal Illness, and Terminal Cancer with premiums that stay the same even as you age.

AIA Secure Flexi Term product details

  • Non-participating policy – Term policy
  • Coverage
    • Receive coverage against Death, Terminal Illness, and Terminal Cancer
  • Guaranteed Premiums
    • Premiums stay the same throughout the policy term based on the age when you start the policy
  • Protection Term
    • Renewable Term Option
      • Choice of coverage for 5, 10, 20, or 30 years
      • Guaranteed renewal up to age 101 regardless of your health condition
    • Level Term Option
      • Choice of coverage up to age 65, 75, or 100
      • Premiums stay the same throughout the protection term
  • Policy Conversion Flexibility
    • Convert this policy to an AIA endowment, investment-linked, or whole life plan before age 70 with no further medical questions asked
  • Optional Add-ons
    • Critical Illness Protection
      • Receive coverage against 104 multi-stage Critical Illnesses (CIs) and 5 special conditions
    • Disability Protection
      • Receive coverage against Total and Permanent Disability (TPD) up to age 70
    • Premium Waiver Riders
      • Receive premium waivers in the event you are diagnosed with any of the 104 CIs or TPD

Read AboutTerm Policy: How does it work?

Read About3 things to consider before taking up a new financial product

Features of AIA Secure Flexi Term at a glance

Cash and Cash Withdrawal Benefits

Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: No
Terminal Illness: Yes
Critical Illness: Yes (Terminal End-stage Cancer)
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders


Additional Features and Benefits


For further information and details, refer to AIA website. Alternatively, fill-up the form below and let us advise accordingly.

Read Also: No budget for financial planning?

AIA Secure Flexi Term may be suitable if you are looking for

AIA Secure Flexi Term may potentially be a good fit if the following matters to you:

  • High insurance coverage for Death or Terminal Illness
  • High insurance coverage for Early Critical Illness, Critical Illness, or Total Permanent Disability with riders
  • Premiums that doesn’t increase with your age if you choose the Level Term Option
  • Looking to boost insurance coverage or fill shortfalls in an insurance portfolio

AIA Secure Flexi Term may not be suitable if you are looking for

AIA Secure Flexi Term may potentially be a bad fit if the following matters to you:

  • Long-term cash accumulation
  • Regular cash payout
  • A one-time premium commitment with no further cash commitment
  • Insurance policy with a surrender value.

Further considerations on AIA Secure Flexi Term

  • How is AIA or AIA Secure Flexi Term payout and claims based on past track record?
  • How does AIA Secure Flexi Term compare with Term policy from other insurance companies?
  • Can AIA Secure Flexi Term fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features on AIA Secure Flexi Term. Talk to us or seek advice from a financial adviser before making any decision about AIA Secure Flexi Term.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

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Is AIA Secure Flexi Term suitable for me?

Contact InterestGuru using the form below. Our panel of Independent Financial Advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

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    Financial Solutions Enquiry Form

    What kind of insurance do you require more information with?

    What kind of protection products are you looking at ?

    For which event do you wish to be protected for?

    DeathTotal and Permanent DisabilityCritical Illness (Early stage)Critical Illness (Advance and Late stage)Income in the event of Disability

    How many year are you willing to make payment for?

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    Would you expect to do partial withdrawal in the short term for this sum of money?

    How much funds are you looking to achieve? (in SGD)

    How many year are you looking to save for this amount of fund?

    How many years would you expect to require the full sum of fund?

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    We are not sure too, let us work out your financial needs with you.

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    Before you go...
    AIA Secure Flexi Term may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
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