Singlife with Aviva – My In-Depth Look at Their Insurance Plans for Protection, Growth & Retirement
When two trusted brands like Singlife and Aviva come together, you get one of Singapore’s most modern and digitally savvy insurers—Singlife with Aviva Ltd. As someone who takes personal finance and protection seriously, I found Singlife’s range of plans to be well-rounded, tech-forward, and adaptable to different life stages.
Whether you’re just starting out in your career, growing a family, planning retirement, or building wealth, Singlife offers a wide selection of protection, savings, health, and investment plans. What really impressed me is their customer-first approach, with flexible digital tools and products that match both budget and ambition.
Here’s my detailed breakdown of each major insurance plan offered by Singlife with Aviva, written clearly for those who want to make informed, smart insurance decisions.
🔵 1. Life Insurance Plans – Long-Term Coverage That Grows With You
✅ Singlife Whole Life Plan
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Lifetime protection up to age 99 or 100
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Covers death, terminal illness, and total & permanent disability (TPD)
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Multiplier benefit up to 5x the sum assured (until age 70)
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Attach riders for critical illness, early CI, or premium waiver
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Great for legacy planning and long-term protection
✅ MyProtector-Term Plan II
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Flexible term life plan (choose coverage term: 5 years to age 85)
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Affordable premiums for high coverage
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Add-on riders for early CI, TPD, or premium waivers
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Ideal for income replacement, mortgage protection, and business continuity
🟡 2. Critical Illness Coverage – Early Detection & Multiple Claims
✅ My Early Critical Illness Plan
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Lump-sum payout on diagnosis of early-stage critical illnesses
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Covers multi-stage conditions including cancers, heart conditions, and neurological diseases
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Ideal for managing treatment costs at the early stage before conditions worsen
✅ My MultiPay Critical Illness Plan III
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Up to 3 lump-sum payouts for unrelated critical illnesses
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Covers early, intermediate, and late-stage conditions
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Includes 132 CI conditions across various body systems
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Excellent plan for long-term and repeated protection
✅ Living Care and Living Care Plus Riders
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Attach to Singlife Whole Life Plan or Term Plan
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Covers major and early-stage CIs
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Helps reduce financial burden during a health crisis
🟢 3. Hospitalisation & Medical Plans – Affordable, Reliable Healthcare Coverage
✅ Singlife Shield
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Integrated Shield Plan (IP) to enhance MediShield Life
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Three tiers: Plan 1, Plan 2, Standard Plan
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Covers B1/A class wards in public hospitals and private hospitals
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Includes pre- and post-hospitalisation coverage, surgery, and specialist visits
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Ideal for families and individuals seeking comprehensive inpatient protection
✅ Singlife Health Plus (Rider)
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Reduces out-of-pocket costs for Singlife Shield
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Covers deductibles, co-insurance, and includes annual co-payment cap
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Choose between public or private hospital rider options
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Preferred panel specialists give added cost savings
🔴 4. Savings & Endowment Plans – Secure Your Future Milestones
✅ MySavingsPlan
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Regular premium endowment plan with guaranteed maturity value
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Flexible policy terms from 10 to 25 years
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Receive lump sum payout at maturity
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Designed for education savings, home goals, or big life events
✅ MyEduPlan
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Tailored for children’s education funding
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Pays out at key education milestones (e.g., primary, secondary, tertiary)
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Includes life protection for child and premium waiver for parent
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Structured maturity payouts to support tuition and fees
✅ MyRetirementChoice II
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Guaranteed monthly income starting at retirement age (55, 60, 65)
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Payout duration of 10 to 20 years or until age 100
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Capital guaranteed at end of accumulation phase
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Includes protection against death and TPD
🟣 5. Investment-Linked Plans (ILPs) – Protection Meets Growth Potential
✅ Singlife Flexi Life Income
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Combines lifetime protection with monthly income payouts
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Offers early income payout option or deferred start
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Includes capital preservation and bonus payouts
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Good choice for those looking for lifelong cash flow
✅ Singlife Choice Investment Plan
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Regular premium ILP with access to professionally managed funds
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Offers life protection + flexible investment strategy
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Top-ups and withdrawals available
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Ideal for those building long-term wealth while staying insured
✅ MyChoiceSaver (Single Premium Plan)
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Hybrid between capital preservation and investment
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Guaranteed returns + upside potential
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Single premium—no future payments required
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Low-risk investors will appreciate this one
🧒 6. Child & Juvenile Plans – Giving Kids a Confident Start
✅ MyFirstLife Plan
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Lifetime protection for children from as early as 30 days old
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Covers death, TPD, juvenile illnesses
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Cash value builds over time
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Can be transferred to your child at adulthood
✅ Education Endowment Riders
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Attach to savings plans for bonus payouts at key academic stages
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Includes premium waivers if parents face illness or death
🧭 7. Retirement Income Plans – Paychecks That Keep Coming Post-Retirement
✅ Singlife Flexi Retirement Plan
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Guaranteed monthly income from age 55 onwards
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Choose premium and payout terms
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Includes bonus payouts and optional CI protection
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Useful for CPF Supplementary Retirement Scheme (SRS) top-ups too
✅ MyRetirementChoice II
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Monthly payout that grows over time
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Protection against death, TPD, and critical illness
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Capital guaranteed if held to maturity
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Flexible and highly customisable
🟠 8. Personal Accident & Lifestyle Coverage
✅ MyPA Plan
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Covers accidental death, injury, and fractures
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Includes hospital cash benefits, mobility aids, and physiotherapy
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Affordable premiums for wide protection
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Add riders for infectious diseases or lifestyle assistance
✅ MyLongTermCare (Careshield Life Supplement)
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Monthly benefit payouts in case of disability
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Complements Careshield Life
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Helps pay for long-term care and assisted living needs
✈️ 9. Travel & Group Insurance
✅ Singlife Travel Insurance
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Covers trip cancellations, delays, overseas medical emergencies
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Annual and single-trip plans available
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COVID-19 add-on coverage included
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Reliable 24/7 assistance worldwide
✅ Group Insurance Plans (for Employers)
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Customised group life, medical, and critical illness benefits
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Available for SMEs and large corporations
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Suitable for companies seeking employee benefit packages
Final Thoughts – Why I Find Singlife with Aviva a Strong Choice
What I really like about Singlife with Aviva is their clarity, flexibility, and modern approach. Their products are easy to understand, and their digital tools (like the Singlife App and online policy access) make managing coverage stress-free.
Whether you're protecting your life, saving for your child’s university, or planning to retire early, Singlife with Aviva has well-structured options. Their Shield plans are very competitive, and the multi-claim CI coverage is among the best I’ve seen.
If you want protection that evolves with your life—and don’t want to be buried in complex fine print—Singlife is worth considering.
🔗 Official Website: https://www.singlife.com
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