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Life Exentials

Life Exentials

Stretch your protection dollar and get good value for money up to 3X protection for the price of 1.


You want to ensure that you and those closest to you have the protection and reassurance you need to embrace every one of life's most wonderful moments.

With AXA Life Exentials, enjoy guaranteed Minimum Death Benefit of up to three times the basic Sum Assured1 and a minimum amount of up to six times the Sum Assured if the death is a result of an accident2.

Additional cover with no underwriting

We know your needs can change at key life stages like getting married, having a baby, adopting a child or purchasing of a property, and these events adds to your financial responsibilities. The Guaranteed Insurability Option (GIO) allows you to get additional sum assured coverage with no additional underwriting3.

Flexible payment options to suit your needs

We offer you the flexibility of paying your premiums over 10, 15, 20, or 25 years. You could also choose to pay premiums until age 65, or pay for life to ensure greater affordability.

Additional benefits

Enjoy bonus payouts during the course of policy while watching your monthly premiums grow into savings. The accumulated bonuses give you valuable additions to your retirement fund, making your rewards even greater. Speak to your AXA adviser to find out more about our range of riders for more comprehensive coverage.

Accelerated payout to ease your burdens

Enjoy greater peace of mind with the option to purchase Life Exentials with Accelerated Critical Illness as a single, comprehensive package. This option gives you an accelerated cash payout of up to 3 times of the basic sum assured on diagnosis of a Critical Illness4. That means you can focus on getting better knowing that the financial security of you and your loved ones is safeguarded.

Illustrative example

Andy is a 30-year-old non-smoker. He decides to take up a AXA Life Exentials Plan with a premium payment term of 15 years.

Life Exentials

AXA's Life Exentials gives you flexibility with its wide selection of supplementary riders. The table below shows suggested riders that are suitable for your AXA Life Exentials plan.

Supplementary Riders Benefits

DisabilityCash Benefit

Provides a continuous stream of payouts till age 65 when the Life Assured is certified totally and permanently disabled before the Policy Anniversary nearest to the Life Assured's 60th year birthday and after all claim payments for the Total and Permanent Disability Benefit has been made under the Basic Policy.

Critical Illness Plus

Provides an additional lump sum payout to reduce financial burden when the Life Assured is diagnosed as having a Critical Illness during the term of this Rider.

Secure Term

It provides an additional lump sum payout upon death, Terminal Illness or Total and Permanent Disability (before the age of 65) of the Life Assured for a specified duration (term).

Critical Illness PremiumEraser (not available for Life Exentials (with Accelerating CI)

Waives future premiums upon the diagnosis of a Critical Illness on the Life Assured.

Smart Payer PremiumEraser (SPPE)

If the Life Assured is different from the Policyholder, this rider waives future premiums until the expiry date of this rider, upon death or Total and Permanent Disability (before age 65) of the Policyholder. This ensures the Life Assured continues to be covered when the Policyholder can no longer pay premiums.

Smart Payer PremiumEraser Plus (SPPEP)

If the Life Assured is different from the Policyholder, this rider waives future premiums until the expiry date of this rider, upon death, Total and Permanent Disability (before age 65) or diagnosis of any of the 30 Critical Illness of the Policyholder. This ensures the Life Assured continues to be covered when the Policyholder can no longer pay premiums.

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

This is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. 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.


Buying a life insurance policy can be 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. For more information, contact your adviser or call us at 1800 880 4888. Alternatively, you can e-mail us at comsvc@axa.com.sg.


You may wish to seek advice from an adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from an 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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