AA Life Protector and AA Life Protector Plus – AAS insurance agency
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AA Life Protector and AA Life Protector Plus

Financial security for you and your family
Protecting the well-being of ourselves and our loved ones is a necessity that we cannot afford to overlook. Simply because safeguarding our financial security against life’s uncertainties should never be left to chance.

Let AA Life Protector and AA Life Protector Plus provide you the coverage you need to cope with these contingencies. These easy-to-understand and affordable plans can give you peace of mind, knowing that your financial security is in the good hands of Tokio Marine Life Insurance Singapore Ltd.

AA Life Protector and AA Life Protector Plus
AA Life Protector and AA Life Protector Plus are Group Term Life insurance plans, providing you basic yet important coverage against death, terminal illness and disability1. Additionally, AA Life Protector Plus comes with coverage for 37 critical illnesses2 as well.

For a more comprehensive cover, you can also choose to include the optional daily hospital cash benefit to either plan to lighten your medical expenses in the event of hospitalisation.

Wherever and whenever it may be, you can be assured that AA Life Protector and AA Life Protector Plus gives you protection 24/7 - truly global protection on the go.

Benefits Snapshot

Protection for you and your family3 at affordable cost
Basic coverage includes death, terminal illness and disability1
Additional coverage for 37 critical illnesses2 with AA Life Protector Plus
Lump sum benefit payout in the event of a claim
Receive hospital cash benefit of up to S$150 each day4
Round-the-clock global protection
Hassle-free application

Affordable Premium Rates for Maximum Coverage

AA Life Protector
For as little as 3 cents a day5, AA Life Protector gives you important protection against death, terminal illness and disability1. Add on the daily hospital cash benefit for a total coverage at less than 15 cents5 a day.



AA Life Protector

Age Next Birthday (Years)

Annual Premium for Sum Assured (S$)

S$10,000

S$50,000

S$100,000

S$150,000

S$200,000

S$250,000

S$300,000

1 to 173

8.00

40.00

80.00

NA

NA

NA

NA

18 to 30

10.50

52.50

105.00

157.50

210.00

262.50

315.00

31 to 45

11.50

57.50

115.00

172.50

230.00

287.50

345.00

46 to 50

19.50

97.50

195.00

292.50

390.00

487.50

585.00

51 to 55

20.80

104.00

208.00

312.00

416.00

520.00

624.00

56 to 60

28.80

144.00

288.00

432.00

576.00

720.00

864.00

61 to 65

40.40

202.00

404.00

606.00

808.00

1,010.00

1,212.00

66 to 70

120.00

600.00

1,200.00

1,800.00

2,400.00

3,000.00

3,600.00



AA Life Protector (with Hospital Cash Benefit)

Age Next Birthday (Years)

Annual Premium for Sum Assured (S$)

 

S$10,000 with S$5 hospital cash

 

S$50,000 with S$25 hospital cash

 

S$100,000 with S$50 hospital cash

 

S$150,000 with S$75 hospital cash

 

S$200,000 with S$100 hospital cash

 

S$250,000 with S$125 hospital cash

 

S$300,000 with S$150 hospital cash

1 to 173

40.00

200.00

400.00

NA

NA

NA

NA

18 to 30

54.00

270.00

540.00

810.00

1,080.00

1,350.00

1,620.00

31 to 45

61.00

305.00

610.00

915.00

1,220.00

1,525.00

1,830.00

46 to 50

81.00

405.00

810.00

1,215.00

1,620.00

2,025.00

2,430.00

51 to 55

97.00

485.00

970.00

1,455.00

1,940.00

2,425.00

2,910.00

56 to 60

114.00

570.00

1,140.00

1,710.00

2,280.00

2,850.00

3,420.00

61 to 65

177.00

885.00

1,770.00

2,655.00

3,540.00

4,425.00

5,310.00

66 to 70

289.00

1,445.00

2,890.00

4,335.00

5,780.00

7,225.00

8,670.00

AA Life Protector Plus (with 37 critical illnesses)
A critical illness can be a costly affair. By being prepared, you can lessen the financial stress an unfortunate diagnosis can cause you or your family. For as little as 7 cents5 a day, AA Life Protector Plus covers you against death, terminal illness, disability1 and critical illnesses2. Add on the daily hospital cash benefit for a total coverage at less than 19 cents5 a day.


AA Life Protector Plus (with 37 Critical Illnesses)

Age Next Birthday (Years)

Annual Premium for Sum Assured (S$)

S$10,000

S$50,000

S$100,000

S$150,000

S$200,000

S$250,000

S$300,000

1 to 173

20.00

100.00

200.00

NA

NA

NA

NA

18 to 30

23.00

115.00

230.00

345.00

460.00

575.00

690.00

31 to 45

24.00

120.00

240.00

360.00

480.00

600.00

720.00

46 to 50

48.50

242.50

485.00

727.50

970.00

1,212.50

1,455.00

51 to 55

58.80

294.00

588.00

882.00

1,176.00

1,470.00

1,764.00

56 to 60

92.30

461.50

923.00

1,384.50

1,846.00

2,307.50

2,769.00

61 to 65

212.30

1,061.50

2,123.00

3,184.50

4,246.00

5,307.50

6,369.00

66 to 70

438.40

2,192.00

4,384.00

6,576.00

8,768.00

10,960.00

13,152.00



AA Life Protector Plus (with 37 Critical Illnesses & Hospital Cash Benefit)

Age Next Birthday (Years)

Annual Premium for Sum Assured (S$)

 

S$10,000 with S$5 hospital cash

 

S$50,000 with S$25 hospital cash

 

S$100,000 with S$50 hospital cash

 

S$150,000 with S$75 hospital cash

 

S$200,000 with S$100 hospital cash

 

S$250,000 with S$125 hospital cash

 

S$300,000 with S$150 hospital
cash

1 to 173

52.00

260.00

520.00

NA

NA

NA

NA

18 to 30

67.00

335.00

670.00

1,005.00

1,340.00

1,675.00

2,010.00

31 to 45

74.00

370.00

740.00

1,110.00

1,480.00

1,850.00

2,220.00

46 to 50

110.00

550.00

1,100.00

1,650.00

2,200.00

2,750.00

3,300.00

51 to 55

135.00

675.00

1,350.00

2,025.00

2,700.00

3,375.00

4,050.00

56 to 60

178.00

890.00

1,780.00

2,670.00

3,560.00

4,450.00

5,340.00

61 to 65

349.00

1,745.00

3,490.00

5,235.00

6,980.00

8,725.00

10,470.00

66 to 70

607.00

3,035.00

6,070.00

9,105.00

12,140.00

15,175.00

18,210.00

Note: The premium rates are not guaranteed and we may change them from time to time. The premiums that you pay are based on the sum assured and insured’s age next birthday. The premium rates will change when the insured enters a higher age band. The sum assured is available in multiples of S$10,000, up to S$300,000 for you and your spouse per person, and up to S$100,000 for each child.

Click here to download Product Details & Application Form


IMPORTANT NOTES:
1
Total and Permanent Disability is covered till age 65.


2
This applies to AA Life Protector Plus only. For the full definition of the 37 critical illnesses, please refer to Life Insurance Association Singapore website.


3
For your spouse and children to be eligible under the Group Term Life:
  • You (the main Assured) have to be a member of the Automobile Association of Singapore (AA) and insured under the same plan.
  • The sum assured for the family cover must not be more than your sum assured unless Tokio Marine Life Insurance Ltd. (TMLS) has reduced your sum assured due to underwriting reasons.
  • You and your spouse must be between 19 and 65 years (age next birthday) when you apply for cover. The coverage will end when you or your spouse reaches 70 years of age next birthday upon renewal.
  • Your child must be at least 15 days old and not more than 16 years (age next birthday) when you apply for cover. Your child’s coverage will end when your child reaches 21 years of age next birthday upon renewal.


4
A daily hospital cash benefit of S$150 is payable for up to 120 days for each period of hospital stay in Singapore for sum assured of S$300,000.


5
The premium rate is computed for an insured person aged 18 to 30 years old (age next birthday) for a sum assured of S$10,000 under AA Life Protector / AA Life Protector Plus, with and without daily hospital cash benefit respectively.


This marketing material is only product information provided by Tokio Marine Life Insurance Singapore Ltd. and is not intended as an offer or recommendation to the purchase of any insurance plan. You should seek advice from a qualified adviser if in doubt. These plans are underwritten by Tokio Marine Life Insurance Singapore Ltd. and are available through Automobile Association of Singapore (AA) to its members. 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 (if any) may be less than the total premiums paid. Buying health insurance products that are not suitable for you may also impact your ability to finance your future healthcare needs. It is usually detrimental to replace an existing insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

For policies distributed in Singapore: This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Information shown is for reference only and is correct as at 15 August 2016.
Protecting the well-being of ourselves and our loved ones is a necessity that we cannot afford to overlook. Simply because safeguarding our financial security against life’s uncertainties should never be left to chance.