AXA Life Treasure

AXA Life Treasure is a whole life plan which covers you for Death, Total and Permanent Disability and Terminal Illness.

It offers a range of optional riders to cover all your protection needs under one plan.

With our Multiplier Benefit rider, increase your coverage by 2, 3, 4, 5, 6 or 7 times during the important years of your life. Secure your future against unforeseen circumstances when you attach optional riders that cover early critical illness, critical illness, accidental death, and waiver of premiums on your policy.

Critical illness is an emerging priority as people are living longer and rates of chronic diseases are growing. According to the Life Insurance Association’s 2017 Protection Gap Study, Singaporeans lack 80% of critical illness protection needs.*

Early Critical Illness Benefit rider and Critical Illness Benefit rider provides protection against critical illnesses and gives you an additional layer of protection against Major Cancer, Heart Attack and Stroke.

*Source: 2017 Protection Gap Study – Singapore, 26 April 2018


  • Advance your payout upon disability
    If 2 out of the 6 Activities of Daily Living are disrupted, you can receive 100% of your disability benefit, up to a maximum of S$3 million
  • Flexible Payment Options
    You can choose to pay for your premiums over 10, 15, 20, 25 or 30 years. Choose one that fits your budget.
    • Add on riders for enhanced protection
    • Select from a variety of optional riders to suit your needs.
    • Receive financial protection against critical illnesses so you can.
    • Focus on medical treatment and recovery.
  • Additional cover with no underwriting
    We understand that as you progress through life, your protection needs may increase. We guarantee the option for you to purchase selected plans at key milestone events* without underwriting.


  • Multiplier Benefit Rider
    Increase your coverage during the important years of your life. Choose your preferred level of protection that guarantees a multiplier benefit of 2, 3, 4, 5, 6 or 7 times the basic sum assured until age 70.
    You will also enjoy multiplier benefit on Accidental Death Benefit rider, Early Critical Illness Benefit rider, and Critical Illness Benefit rider if attached.
  • Accidental Death Benefit Rider
    Double indemnity upon accidental death. If you attach the Multiplier Benefit rider, you can protect yourself with up to 14 times basic sum assured.
  • Early Critical Illness Benefit Rider
    Get total peace of mind with comprehensive coverage for 132 medical conditions. Covers early to advanced stage critical illnesses, including additional payout upon selected Special conditions and Juvenile conditions.
    Upon top common critical illnesses such as Major Cancer, Heart Attack or Stroke, you will receive additional 50% of the rider’s sum assured.
  • Critical Illness Benefit Rider
    Maximise your coverage with this rider that guards against 40 advanced stage critical illnesses.
    Upon top common critical illnesses such as Major Cancer, Heart Attack or Stroke, you will receive additional 50% of the rider’s sum assured.
  • Critical Illness Plus
    Receive an additional lump sum payment in the event of a critical illness diagnosis without affecting the other benefits of your basic plan.
  • Disability Cash Benefit
    If you suffer from total and permanent disability, you will receive a cash benefit of your chosen amount every year.
  • Waiver of Premium Riders
    Ensure no disruption to your long-term protection plan with optional riders that waives future premium payments if unfortunate events were to occur to you or your loved ones.


  • Entry Age
    Life Assured: 1 month to 65 years old (age nearest birthday)
    Policyholder: 18 to 99 years old (age nearest birthday)
  • Minimum Sum Assured


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