AXA Life Treasure Product Review

AXA Life Treasure
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Last Updated on by Tree of Wealth

AXA’s Whole Life insurance has come a long way, from the previous Life MultiProtect and Life Exentials of which have premiums that are not competitive and limited riders as compared to other insurers in the market.

Its newest iteration, Life Treasure, seeks to provide a flexible and comprehensive protection plan, along with a competitive premium.

AXA Life Treasure Product Features and Benefits at a Glance

Death, Total and Permanent Disability (TPD) and Terminal Illness

Aside from the standard coverage of the above 3, there is an Advance Disability Payout in the event of not able to perform 2 out of 6 Activities of Daily Living (ADLs).

Advance Disability Payout

In the event if you are not able to perform 2 out of 6 Activities of Daily Living (ADLs), receive 100% of the disability benefit, up to $3 million.

Wide range of Premium Term

10, 15, 20, 25 or 30 years

What We Like

Few insurers have more than 25 years premium term. Axa offers a 30 years term here means lower premiums yearly. This can fit into most people’s budget, albeit the longer your premium term is, the more you are actually supplementing.

Premiums can also be further split into monthly, quarterly, semi-annual or annual mode.

Additional cover with no underwriting

Choice of increasing your coverage without medical underwriting at important milestones in life, guaranteed.


Entry Age for Life Assured: 1 month to 65 years old

Entry Age for Policyholder: 18 to 99 years old

Minimum Sum Assured – S$25,000

Accidental Death Benefit – Payout of up to 14 times of the sum assured in the event of accidental death.

Supplementary Benefits Rider

To enhance your coverage, AXA also has a range of riders you can add on to you plan. Common riders include multiplier, premium waiver and early CI riders.

High Multiplier

  • Pays up to 7x sum assured in the event of Death, Total and Permanent Disability (TPD), Terminal Illness and Critical Illness.
  • Choice to multiply your coverage by 1, 2, 3, 4, 5, 6 or 7 times basic sum assured.
  • Choice to reduce the multiplier, should your needs and concerns reduce.

Early to Intermediate to Advance Stage Critical Illness (CI)

  • Total of 132 Medical Conditions
  • In the event of Advance Stage Cancers, Heart Attack and Stroke – Additional payout is available
  • Additional amount equivalent to 50% of the Critical Illness Benefit rider or Early Critical Illness Benefit rider sum assured.

How AXA Life Treasure Works

axa life treasure, whole life plan singapore, whole life coverage singapore
source: AXA
AXA Life Treasure
source: AXA

AXA Life Treasure Conclusion

As with all whole life insurance plans, the suitability of this plan for you will largely depend on your needs and expectations. There are many whole life insurance plans in the market with many strong Insurers. Which one suits you the most?

To find the most suitable coverage, simply fill in the form below and our friendly licensed FA advisor will get in touch with you. Based on your needs, a custom made solution will be adjusted only addressing your concerns.

No obligations, no hidden fees. All advice are of no charges.

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