{
  "generated_at": "2026-06-05T12:32:40.774Z",
  "site_base": "https://lifeinsurance.com.sg",
  "insurer": {
    "slug": "aia",
    "name": "AIA Singapore",
    "legal_entity": "AIA Singapore Private Limited",
    "mas_license_type": null,
    "mas_fi_directory_url": null
  },
  "product": {
    "slug": "direct-aia-term-cover",
    "name": "Direct - AIA Term \n  Cover",
    "status": "active",
    "positioning_summary": null,
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_DPITerm_July2025.pdf"
  },
  "wording": {
    "wording_version": "2025-07-01",
    "effective_from": "2025-07-01",
    "ingested_at": "2026-06-05T11:53:40.199675+00:00",
    "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/201106386R/WA_Sum_201106386R_DPITerm_July2025.pdf",
    "pdf_hash": "7ecc12790a93ab4146c9099a30385723b75b5e8247d560884e98d6201b249a53",
    "page_count": null
  },
  "facts": {
    "riders": [
      {
        "name": "DIRECT - CI for Term Cover",
        "rider_type": "critical-illness",
        "description": "optional non-participating accelerating Critical Illness supplementary benefit to complement your DIRECT - AIA Term Cover policy",
        "source_page": 1,
        "available_at_inception": true,
        "available_after_inception": false
      }
    ],
    "free_look": {
      "period_days": 14,
      "source_page": 3,
      "refund_basis": "the insurer will refund you the premiums you have paid, less any medical fees and other expenses, such as payments for medical check-ups and medical reports, incurred by the insurer."
    },
    "exclusions": [
      {
        "text": "If the Insured, whether sane or insane, commits suicide within one year from the issue date or reinstatement date of the basic policy, whichever is later, our liability shall only be limited to the refund of premiums paid without interest.",
        "source_page": 2
      },
      {
        "text": "No Terminal Illness Benefit shall be payable under the basic policy for the conditions stated below: i. Terminal Illness other than a diagnosis of Terminal Illness as defined in the Terminal Illness Benefit section above; or ii. where the symptoms of the Terminal Illness first occurred prior to the issue date or reinstatement date of the basic policy, whichever is later, or for which the diagnosis of Terminal Illness was made within thirty (30) days following the issue date or reinstatement date of the basic policy, whichever is later; or iii. where in our opinion, the diagnosis of Terminal Illness of the Insured was directly or indirectly due to Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV); or iv. any pre-existing illnesses, diseases, impairments or conditions from which the Insured is suffering prior to the issue date or reinstatement date, whichever is later, unless the Insured makes a declaration in the application or reinstatement of the basic policy, and such application is specifically accepted by us.",
        "source_page": 2
      },
      {
        "text": "The TPD Benefit shall not cover any TPD caused directly or indirectly, wholly or partly, by any one or more of the following occurrences: i. self-destruction or any attempt at self-destruction while sane or insane; or ii. engaging in or taking part in air, military or naval service in time of declared or undeclared war or while under order for warlike operations or restoration of public order; or iii. entering, operating, or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance (except where the Insured is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route or by the Republic of Singapore Air Force).",
        "source_page": 2
      },
      {
        "text": "Terminal illness in the presence of HIV infection is excluded.",
        "source_page": 1
      }
    ],
    "cash_values": {
      "has_cash_value": false,
      "non_guaranteed_bonus": {
        "available": false
      },
      "guaranteed_surrender_value": {
        "basis": "As this product has no savings or investment feature, there is no cash value if the policy ends or if the policy is terminated prematurely.",
        "available": false,
        "source_page": 3
      }
    },
    "grace_period": {
      "days": 31,
      "source_page": 2
    },
    "product_type": "term-life",
    "policy_basics": {
      "maximum_entry_age": {
        "basis": "age-last-birthday",
        "years": 80,
        "source_page": 1
      },
      "minimum_entry_age": {
        "basis": "as-stated",
        "source_page": 1
      },
      "maximum_coverage_age": {
        "basis": "age-next-birthday",
        "years": 81,
        "source_page": 1
      },
      "maximum_policy_term_years": "term to age 65 or 20-year",
      "minimum_policy_term_years": 5
    },
    "premium_terms": {
      "payment_modes": [
        "annual",
        "semi-annual",
        "quarterly",
        "monthly"
      ],
      "premium_term_options": [
        {
          "label": "5-year renewable term",
          "description": "The premium rates are guaranteed and will remain unchanged for the duration of the 5-year policy term so long as the required premium is paid and received by us on or before the end of the grace period of 31 days from the premium due date. However, the premium rates at the time of each renewal are in accordance with rates applicable to the Insured's attained age and are not guaranteed.",
          "source_page": 2
        },
        {
          "label": "20-year term",
          "description": "The premium rates are guaranteed and will remain unchanged for the duration of the policy term so long as the required premium is paid and received by us on or before the end of the grace period of 31 days from the premium due date.",
          "source_page": 2
        },
        {
          "label": "Term to age 65",
          "description": "The premium rates are guaranteed and will remain unchanged for the duration of the policy term so long as the required premium is paid and received by us on or before the end of the grace period of 31 days from the premium due date.",
          "source_page": 2
        }
      ],
      "premium_review_clause": {
        "text": "However, the premium rates at the time of each renewal are in accordance with rates applicable to the Insured's attained age and are not guaranteed. We may revise the premium rates but we will not do so on an individual basis. These rates may be adjusted based on future experience, or to meet our obligations under the basic policy and/or the laws and regulations of Singapore as may be revised from time to time (including without limitations, tax laws and regulations).",
        "frequency": "at each 5-year renewal",
        "reviewable": true,
        "source_page": 2
      }
    },
    "suicide_clause": {
      "source_page": 2,
      "payout_within_period": "If the Insured, whether sane or insane, commits suicide within one year from the issue date or reinstatement date of the basic policy, whichever is later, our liability shall only be limited to the refund of premiums paid without interest.",
      "exclusion_period_months": 12
    },
    "document_metadata": {
      "wording_version": "Version 4.0",
      "product_full_name": "DIRECT - AIA Term Cover",
      "insurer_legal_entity": "AIA Singapore Private Limited (Reg. No. 201106386R)",
      "product_summary_pdf_url": "http://www.comparefirst.sg"
    },
    "terminal_illness_benefit": {
      "available": true,
      "source_page": 1,
      "acceleration_percent": 100,
      "qualifying_definition": "any condition caused by illness or injury, where at the time of claim, despite all reasonable medical treatment, the Insured is expected to live for no more than 12 months."
    }
  },
  "confidence_tier": "verified"
}