FREQUENTLY ASKED QUESTIONS AA LIFE PROTECTOR AA LIFE PROTECTOR PLUS. Underwritten by Tokio Marine Life Insurance Singapore Ltd.
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1 FREQUENTLY ASKED QUESTIONS AA LIFE PROTECTOR AA LIFE PROTECTOR PLUS Underwritten by Tokio Marine Life Insurance Singapore Ltd. (TMLS)
2 General Q1. Who is eligible for cover under TMLS AA Life Protector / AA Life Protector Plus? A1. Members of Automobile Association of Singapore (AA member), their spouse and children who meet the eligibility criteria are eligible for cover under the AA Life Protector and AA Life Protector Plus which are underwritten and issued by TMLS for their life insurance protection. Optional hospital cash benefit is available with the purchase of AA Life Protector / AA Life Protector Plus. Q2. Can my spouse and I (both AA members) sign up a plan each and cover each other as spouse? A2. Yes, you can do so. However, the total sum assured for an individual adult life should not exceed S$300,000. Q3. If I wish to sign up for TMLS AA Life Protector / AA Life Protector Plus for my spouse and children, is it compulsory for them (if applicable) to be an AA member? A3. No, it is only compulsory for you to be an AA member. You will need to be insured under AA Life Protector or AA Life Protector Plus before your spouse and children can be insured under the plan. Product Coverage Q1. What do TMLS AA Life Protector and AA Life Protector Plus cover? A1. TMLS AA Life Protector and AA Life Protector Plus provide the following benefits: Core Benefits AA Life Protector AA Life Protector Plus Full sum assured is payable upon death due to all causes except suicide or attempted suicide while sane or insane within 12 months Death Benefit from the commencement date or reinstatement date of the Insured s cover, whichever is later. Full sum assured is payable upon diagnosis of a Terminal This benefit is covered under 37 Terminal Illness Illness, which is likely to result Critical Illnesses. in death within 12 months. Total and Permanent Disability (TPD) Critical Illnesses Benefit Full sum assured is payable upon TPD before age 65 due to all causes except suicide or attempted suicide or self-inflicted injury while sane or insane within 12 months from the commencement date or reinstatement date of the Insured s cover, whichever is later. Not Applicable Full sum assured* payment upon diagnosis of one of the 37 critical illnesses (*Not applicable for Angioplasty & other invasive treatment for Coronary Artery with payment capped at 10% of the sum assured subject to a S$25,000 maximum sum payable.) Optional Benefit AA Life Protector AA Life Protector Plus Hospital Cash Benefit Daily cash payment for each day of hospitalisation in Singapore up to a maximum of 120 days per confinement. Q2. How do I apply for cover under the TMLS AA Life Protector and AA Life Protector Plus policy? A2. To apply for cover, you must have an existing membership with the Automobile Association of Singapore at the point of renewal. The purchase of insurance coverage for spouse and child Insured is dependent on the validity of your AA membership. 1
3 Q3. What is the quantum of sum assured for me, my spouse and children under AA Life Protector and AA Life Protector Plus with TMLS? A3. The maximum sum assured allowed for you, your spouse and children under AA Life Protector and AA Life Protector Plus is shown in the following table: Sum Assured Limits For Each Life Insured 1 Member / Spouse (S$) Child (S$) 10,000 10,000 50,000 50, , , , , , , , , , ,000 1 The maximum aggregate sum assured of an Insured across all AA Group Term Plans (AA Life Protector and AA Life Protector Plus) must not be more than S$300,000 each for yourself and your spouse and S$100,000 for your child. Q4. Will I still be covered under TMLS AA Life Protector and AA Life Protector Plus if I were to change jobs or am in between jobs? A4. Yes. AA Life Protector and AA Life Protector Plus are exclusively for AA members. The cover will not lapse because you change jobs or are in between jobs unless such change affects the validity of your AA membership. Q5. If I die overseas, will I be covered? A5. Yes, you will be covered as AA Life Protector and AA Life Protector Plus offer 24-hour worldwide insurance cover. Q6. What are the general exclusions for AA Life Protector and AA Life Protector Plus? A6. There are certain conditions whereby the benefits under the plans will not be payable. You may refer to the Master Policy Contract for the precise terms, conditions and exclusions of the plans. The Master Policy Contract will be held by the Automobile Association of Singapore. Application and Procedure Q1. What should I do if I decide to sign up for the AA Life Protector or AA Life Protector Plus under TMLS for myself and/or my spouse and children if I am currently a member of Automobile Association of Singapore? A1. You should complete and sign the enclosed Application Form and the Payment Form. Return the attached Forms to TMLS. Q2. Where should I send my Application Form and Payment Form to? A2. The Application Form and Payment Form are to be mailed or submitted to: Tokio Marine Life Insurance Singapore Ltd. 20 McCallum Street #05-01 Tokio Marine Centre Singapore Attn: Group Insurance Department Q3. Am I required to go for a medical checkup to apply for AA Life Protector and AA Life Protector Plus with TMLS? A3. No, you are generally not required to go for a medical checkup when you sign up for AA Life Protector / AA Life Protector Plus, unless you are requested to do so due to further underwriting by TMLS. Q4. What are the payment methods available to me? A4. You may choose to pay your annual premiums through either cheque or credit card. 2
4 Q5. Are my premium rates guaranteed? A5. No, your premium rates are neither guaranteed nor fixed. TMLS reserves the right to review and change the premium rates by giving 30 days written notice to AA and yourself at your last known address. Q6. If I terminate my AA membership, will my cover under AA Life Protector / AA Life Protector Plus be terminated? A6. Yes, your cover will be terminated on the next renewal if you terminate or cease to maintain your AA membership. Q7. If I terminate my cover under AA Life Protector, AA Life Protector Plus or my AA membership, will my spouse and children still be insured under AA Life Protector and AA Life Protector Plus? A7. No, your spouse and children will not be covered under AA Life Protector / AA Life Protector Plus if you terminate either your cover or AA membership. However, if your spouse wishes to continue to be covered under the AA Life Protector or AA Life Protector Plus, he or she may: a. become an AA Ordinary member; or b. convert his/her Family membership to an Ordinary membership; or c. convert his/her Social membership to an Ordinary membership. Q8. If I require more information on AA Life Protector and AA Life Protector Plus, who can I contact? A8. For further queries, you can call TMLS Customer Care Hotline at or aalife@tokiomarine-life.sg Q9. How would I be notified if further clarification is required from TMLS? A9. An Adviser will be assigned to you for further clarification and arrangement, e.g. documents retrieving or dispatch. Q10. I have recently terminated my AA Life Protector/ AA Life Protector Plus under NTUC Income about 6 months ago. Can I sign up for the new plan under TMLS without underwriting? A10. No. In this case, you will need to submit a new application form to TMLS. 3
5 Product Alteration Q1. What should I do if I wish to add my spouse or children under AA Life Protector /AA Life Protector Plus with TMLS A1. You can choose from the following list of ways to purchase AA Life Protector / AA Life Protector Plus for your spouse or children: 1. Complete, sign and mail your spouse s or child s Application Form to: Tokio Marine Life Insurance Singapore Ltd., 20 McCallum Street #05-01, Tokio Marine Centre Singapore , Attn: Group Insurance Department; or 2. Visit Tokio Marine Centre Level 7 to apply. Please note that your application for your spouse and children will be subjected to underwriting approval, including minimum and maximum entry age as well as the maximum age of coverage. You may refer to the following table for information: Age Next Birthday Minimum Maximum Maximum Entry Age Entry Age Renewal Age Member / Spouse 19 years old 66 years old 70 years old Child 15 days 16 years old 21 years old Please refer to enclosed copy of the AA Life Protector and AA Life Protector Plus Application Form for your spouse and children Q2. How do I reduce my sum assured and downgrade my AA Life Protector / AA Life Protector Plus with TMLS? A2. Please fill in your preferred sum assured and plan type that you wish to be insured in the enclosed Application Form. Please return the duly completed and signed forms before the deadline indicated in the attached letter. A downgrade of plan type means downgrading the AA Life Protector Plus plan to AA Life Protector plan (without Critical Illness benefit). Q3. How do I increase my sum assured and upgrade my AA Life Protector / AA Life Protector Plus with TMLS? A3. You should note that for an increase to your sum assured, your application will be subjected to underwriting. There is also an additional check on the maximum sum assured for an individual life in cases of increasing sum assured. Please fill in your preferred sum assured and plan type that you wish to be insured for in the enclosed Application Form and complete the Health Declaration Form. Please return the duly completed and signed forms before the deadline indicated in the attached letter. An upgrade of plan type means upgrading the AA Life Protector plan to AA Life Protector Plus plan (with Critical Illness benefit). Q4. Can my spouse s and children s sum assured and plan type be higher than my sum assured and plan type? A4. No, the sum assured and plan type for your spouse and children should not exceed your sum assured and plan type unless your sum assured and plan type is counter-offered by TMLS due to underwriting reasons. 4
6 Others Q1. Can I make a nomination of beneficiaries for AA Life Protector and AA Life Protector Plus with TMLS? A1. The Nomination of Beneficiaries framework is not applicable to TMLS AA Life Protector and AA Life Protector Plus, as they are group insurance schemes. In the event of a death claim, the prevailing laws of Singapore provides for TMLS to pay to the immediate next-of-kin or proper claimant up to S$150,000. The payout of the balance of the insurance compensation has to be decided by a Court. Q2. Will I receive a new Certificate of Insurance for the new plan after I sign up for AA Life Protector or AA Life Protector Plus with TMLS? A2. Yes, a new Certificate of Insurance will be dispatched to you by TMLS Advisers. Q3. Are AA Life Protector and AA Life Protector Plus whole life plans and do they have any cash value? A3. No, both AA Life Protector Plus and AA Life Protector Plus are group insurance term plans and do not have any cash value. IMPORTANT NOTES This marketing material is only product information provided by Tokio Marine Life Insurance Singapore Ltd., and is not intended as an offer or recommendation to the purchase of any insurance plan. You should seek advice from a qualified adviser if in doubt. Both AA Life Protector and AA Life Protector Plus are underwritten by Tokio Marine Life Insurance Singapore Ltd. and are available through Automobile Association of Singapore (AA) to its members. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. Buying health insurance products that are not suitable for you may also impact your ability to finance your future healthcare needs. It is usually detrimental to replace an existing insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost. For policies distributed in Singapore: This policy 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. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact us or visit the LIA or SDIC websites ( or Information shown in this marketing material is for reference only and is correct as at 1 October
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