AXA Retire Treasure II Review

The complete Pros and Cons on AXA Retire Treasure II

AXA Retire Treasure II provides you with annual income while leaving a legacy for your next generations for them to reap the full benefits of the policy.

AXA Retire Treasure II product details

  • Life policy – Annuity
  • Guaranteed Annual Income
    • Receive annual income to fund your retirement or choose to re-invest at a 3% per annum return rate
  • Secondary Life Assured
    • You can choose to appoint a Secondary Life Assured, in the event of death or terminal illness of the Primary Life Assured, your family will still be protected
  • Potential Total Yield
    • Enjoy a potential yield up to 4.24% per annum upon maturity
  • 100% Capital Guaranteed
    • You will receive 100% of total premiums paid at the end of premium payment term
  • Flexible Premium Terms
    • Choose your Premium Payment term of 1, 5, 10, 15, 20, 25 or 30 years
      • If you choose 1, 5, or 10 years Premium Payment term, there will be a 5-year Accumulation Period
    • Choose your Payout Period of 10, 15, 20, 25 years or Lifetime (Age 120)
  • Guaranteed Acceptance
    • Enjoy hassle-free application with no health checks or questions asked
  • Coverage
      • Receive 101% of total premiums paid and accumulated bonuses in the event of Death or diagnosis of Terminal Illness

Read about:  Why your retirement planning starts now

Read about3 best Retirement plans and Annuity policies in Singapore (2020 Edition) *Updated*

Read about: The Complete Guide to Retirement Planning (2020 Edition) *NEW*

Features of AXA Retire Treasure II at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage

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

  • PremiumEraser Total
  • Premium Waiver (UN)
  • Premium Wavier (CIUN)

Additional Features and Benefits

Yes.

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

Read aboutHow can I accumulate a million dollar (Realistically)

Read aboutEffects of compounding returns on your investments

AXA Retire Treasure II may be suitable if you are looking for

AXA Retire Treasure II may potentially be a good fit if the following matters to you:

  • Lifetime regular cash payout
  • Saving regularly over a period of time
  • Insurance options without medical underwriting
  • Do not need access to the funds until retirement
  • To potentially generate higher financial returns compared to bank accounts

AXA Retire Treasure II may not be suitable if you are looking for

AXA Retire Treasure II may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Lump-sum payout upon maturity
  • A one-time premium commitment with no further cash commitment
  • Potentially higher financial returns compared to a pure investment product.
  • Insurance policy with a high surrender value in the early years of the policy.

Further considerations on AXA Retire Treasure II

  • How is Prudential or AXA Retire Treasure II investment returns based on historical performance?
  • How does AXA Retire Treasure II compare with Endowment policy from other insurance companies?
  • Can AXA Retire Treasure II fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features on AXA Retire Treasure II. Talk to us or seek advice from a financial adviser before making any decision about AXA Retire Treasure II.

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

Where can I compare the payout and benefits of retirement plans and annuity policies?

Your retirement plans are meant to supplement your lifestyle and expenses in your golden years. Ensure your retirement plans matches the financial goal and objective you wish to achieve when you decided to talk a step back in life.

It is too late to regret once you have made your financial commitment. Specific product features, benefits, and payouts will differ more than you think across insurance companies.

And even worse, to know you can compare retirement plans and annuity policies here,  100% free of charges on the InterestGuru.sg platform.

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

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Before you go...
AXA Retire Treasure II 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.
Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
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