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INSPIRE™ FlexiProtector

INSPIRE™ FlexiProtector

You have dreams to protect and wealth to grow for yourself and the ones you love. You understand that your financial situation and spending priorities today may change as your career and your life's dreams unfold. You want a plan that protects what you have for a lifetime, yet gives you the freedom to seize the best opportunities all the way.


AXA INSPIRE™ FlexiProtector is a whole life regular premium investment-linked insurance plan that gives you flexibility to protect your family and your wealth through a lifetime.

maximise your protection, maximise your payout

From as low as S$100 a month, you are assured of minimum Sum Assured as high as 601 times annualised premium, that is ideal especially at a time in your life when you may have young kids as well as elderly parents to care for. You'll have the flexibility to maximize your Sum Assured, to ensure adequate protection through the years. With one of the lowest insurance charges in Singapore, you can be assured that you are getting the best-valued coverage, whole life.

At the same time, you'll get to reap returns from a long-term investment plan as your premium gets invested in a selection of professionally managed quality funds with good growth potential.

Choose and adjust your terms as you see fit

You expect many things may change in your life in the years ahead - your income, the number of people who depend on you, your spending priorities. Your protection needs will change too. AXA INSPIRE™ FlexiProtector lets you adjust your Sum Assured upwards or downwards2 as you see fit. The plan also gives you the leeway to allocate more of your premiums to investments, either as a one-time top-up basis or on a regular basis.

Option to increase Basic Sum Assured at three key stages of life3

There are certain points in your life when you may expect to have enhanced protection – marriage, parenthood and purchase of a new home. AXA INSPIRE™ FlexiProtector gives you the option to increase your Sum Assured at these stages in your life without the need for medical assessment.

Transfer your insurance coverage to your loved one, anytime

Should you ever consider transferring the insurance coverage of the basic plan to your spouse or your child, AXA INSPIRE™ FlexiProtector Life Replacement Option4 makes it possible.

As the policyowner, you can change the life insured to your spouse or your child. The new insurance charges will be based on the new life assured's age and the protection benefits.

Redeem your investment anytime5

With AXA INSPIRE™ FlexiProtector, you can redeem any potential investment returns by selling your units anytime. You decide when, which ones and how much to sell. The plan gives you the option to redeem partially or on a regular basis to free up your cash for that financial need, anytime.

Personalise your protection with a wide range of supplementary benefits

AXA INSPIRE™ FlexiProtector is a plan that promises to be as individual as you are because you know your protection needs and financial objectives best. The plan comes with a wide range of supplementary benefits, which you only pay for if you need them.

Flexibility to customise your insurance coverage and investment plan

AXA INSPIRE™ FlexiProtector allows you to increase and decrease your coverage to cater for your changing protection needs through the years. With one of the lowest insurance charges in Singapore, you can be sure that your coverage is affordable and cost-efficient.

You can also decide to increase or decrease your investment through regular premium or top ups, aligning it closely to match your financial needs and goals.

Increase in the Basic Sum Assured

We understand that you may need higher protection during significant milestones in life. With AXA INSPIRE™ FlexiProtector, you have the option to apply for an increase in the Basic Sum Assured3 without the need for medical assessment at significant milestone events.

The significant milestone events are:
(a) the Life Assured's legal marriage; or
(b) the Life Assured is having a new born baby; or
(c) the Life Assured is adopting a child through legal means; or
(d) the Life Assured is completing a purchase of a property in Singapore

Life Replacement Option4 ("LRO")

Transfer your insurance coverage to your loved one with AXA INSPIRE™ FlexiProtector. Life Replacement Option can be exercised to change the life assured to your spouse or child. Upon replacement, the insurance charges on the basic cover and any attaching rider will be based on the attained age of the new Life Assured.

Important Information

1Based on Cost of Insurance ("COI") option for Yearly Renewable Term, the minimum Sum Assured at Policy Inception for entry ages 0-35 is 60 times of the annualised premium.

2 Reduction in Sum Assured is allowed from 5th Policy Year onwards, subject to the Minimum Sum Assured requirement of this Policy where the Basic Sum Assured is at least 5 times the Annualised Premium. A Reduction in Basic Sum Assured may lead to corresponding reduction in the attached acceleration Rider (such as Living Accelerator Rider and Choice Accelerator Rider) Sum Assured.

3 The option to increase the Basic Sum Assured must be exercised within 90 days from the occurrence date of the significant milestone event and is subjected to terms and conditions.

4 Life Replacement Option ("LRO") can be administered if policyowner provides proof of insurable interest on the Life Assured at point of request. An administrative charge of S$100 in cash is required upon approval.

5 Partial Withdrawal is only available for amounts of at least S$250 in value with the remaining Policy Value above the Minimum Holding Amount of S$2,500. Regular Withdrawals is available with the minimum amount of S$1,200 per year, S$600 half-yearly, S$300 quarterly or S$100 monthly.

Policyholder, aged 35, bought INSPIRE™ FlexiProtector on 9 April 12 on his own life.
Illustrative example 1
Flexiprotector how it works

Illustrative example 2
Illustrative example 2

Important Information

1 Guaranteed Insurability Option ("GIO") must be exercised within 90 days from the occurrence date of the significant milestone event and is subjected to the terms of conditions of GIO.

2 Life Replacement Option ("LRO") can be administered if policyowner provides proof of insurable interest on the Life Assured at point of request. An administrative charge of S$100 in cash is required upon approval.

Choose the supplementary rider that matches your lifestyle needs so you can give you and your family comprehensive coverage in the future.

Supplementary Riders Benefits

Choice Accelerator Rider / Living Accelerator Rider

Provides protection to reduce financial burden by accelerating the Death Benefit under the basic policy, when the Life Assured is diagnosed as having a Critical Illness during the term of this Rider.

Level Term Rider

Provides protection for Total and Permanent Disability (TPD), Terminal Illness (TI), or death.

Living Term Rider

Provides protection for Critical Illness, Total and Permanent Disability (TPD), or death.

Accidental Death Benefit

Provides protection for accidental death.

Extend Total and Permanent Disability

Provides a continuous stream of payouts till age 65, when the Life Assured is certified totally and permanently disabled before the age of 60 and after all claim payments for the Total and Permanent Disability Benefit contained in the Supplementary Provisions of this Policy have been paid.

Waiver of Premium

If the Life Assured is different from the Policyholder, this rider waives the Premiums in the event the Policyholder dies or becomes totally and permanently disabled before the age of 65. This ensures the Life Assured continues to be covered when the Policyholder can no longer pay premiums.

Waiver of Premium Plus

If the Life Assured is different from the Policyholder, this rider waives of Premiums in the event the Assured/Policyholder dies or becomes totally and permanently disabled before the age of 65 or is diagnosed to be suffering from one of the 30 Critical Illnesses. This ensures the Life Assured continues to be covered when the Policyholder can no longer pay premiums.

Waiver of Premium Special

Provides for waiver of Premiums if the Life Assured is diagnosed to be suffering from a Critical Illness during the term of this benefit.

To apply, please ask your personal adviser to recommend appropriate packages that best suit your needs to ensure your coverage remain relevant.

The above 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.

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 personal adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a personal adviser, you should consider whether the product in question is suitable for you.

The insurance policy featured in this website 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 should you buy the policy. For more information on the types of benefits that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at www.axa.com.sg or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme (Life Insurance).

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