One flagship adviser-sold term plan in two structures: a renewable-and-convertible chassis built to protect future insurability, and a level-premium version for a fixed liability window. Research based on public materials accessed 2026-07-14.
AIA's advised term range centres on AIA Secure Flexi Term, offered in two structures that behave very differently.
The Renewable & Convertible (R&C) version has 5/10/20/30-year terms that renew successively to age 101 and can convert to a whole-life, endowment or investment-linked plan without further medical underwriting — the strongest future-insurability feature in AIA's term shelf.
The Level ("To Age") version covers to age 65 or 75 with the premium guaranteed for the whole chosen term — cleaner for budgeting a fixed liability like a mortgage or a child's dependency window.
Both pay on death, terminal illness and terminal cancer — AIA was first to market with the terminal cancer benefit. AIA also has a long legacy term shelf (Platinum Term, Secure Term family) no longer on its current term page, covered at the bottom.
Selling now
On sale now
AIA Secure Flexi Term (Renewable & Convertible)
Adviser-sold · Maximum flexibility and future insurability, with a deep rider ecosystem
Promotion
Current: add AIA Vitality for a 10% first-year premium discount on the plan and selected riders, rising to up to 15% as your Vitality status improves (standard lives only, from year 2). Verify the live terms with an adviser.
Covers death, terminal illness and terminal cancer on the basic policy (AIA was first to market with the terminal cancer benefit)
Renewable term option: 5, 10, 20 or 30 years, with guaranteed renewal successively up to age 101 regardless of health
Conversion privilege: convert to selected AIA whole-life, endowment or investment-linked plans without further medical underwriting, on or before a policy anniversary prior to age 70
Terminal illness = a conclusive diagnosis expected to cause death within 12 months; per-life limits: S$20m terminal illness, S$1m terminal cancer (S$500k juveniles)
Base premium is guaranteed only during the original chosen term
Build your cover — toggle riders on and off
On sale now
AIA Secure Flexi Term (Level / To Age)
Adviser-sold · Budget certainty over a fixed dependency or liability window
Covers death, terminal illness and terminal cancer, level term to age 65 or 75
Premium is guaranteed for the whole chosen term — cleaner to budget than the renewable design
Retains a conversion privilege to selected AIA whole-life / endowment / ILP plans without further underwriting
Best matched to a known fixed liability: a 25-year mortgage, a child's dependency period, or your remaining working years
Build your cover — toggle riders on and off
Benefits side by side
Secure Flexi Term (R&C)
Secure Flexi Term (To Age)
Base coverage
Death, terminal illness, terminal cancer
Death, terminal illness, terminal cancer
Policy term
5, 10, 20 or 30 years
Level to age 65 or 75
Renewability
Guaranteed renewal to age 101 (renewal block shrinks with age)
No renewal feature stated
Premium
Guaranteed during original term; renewal reprices to attained age (not guaranteed)
Guaranteed for the whole chosen term
Conversion
Yes — before a policy anniversary prior to age 70, no further underwriting
Yes — before age 70 OR 5 years before expiry, whichever is earlier
TPD
Optional rider (own-occupation to 65, ADL-based after)
Optional rider (same definitions)
Critical illness
Critical Cover (43) + Early Critical Cover riders
Same rider family
Best for
High cover now + future insurability flexibility
Fixed liability window with budget certainty
Product timeline
2026 — AIA's register of insured policies still lists legacy names (Secure Term Plus, Platinum Term); Secure Flexi Term remains the current advised flagship.
Underwriting posture
There is no fixed buyer-controlled line between 'medical' and 'non-medical' — AIA decides what evidence it needs based on age, sum assured, disclosures, lifestyle and existing cover. Public AIA materials do not publish a non-medical limits grid, so exact thresholds are unspecified publicly.
AIA supports non-medical pathways for some cases but may escalate to a medical exam, blood/urine tests, ECG, condition-specific questionnaires or attending-physician reports when age, amount or disclosures justify it.
The LIA's 2024 underwriting guide illustrates the real spectrum: well-controlled hypertension or high cholesterol may still get life/TPD/CI cover with lighter friction; poorly controlled diabetes can produce life-cover loading and declines on TPD, CI and hospitalisation cover.
Loadings and exclusions are normal outcomes, not exotic ones — AIA even has a 'Request to Review Medical Loading/Exclusion(s)' process, which can sometimes revisit an outcome if health improves.
Practical rule: have the underwriting conversation before the premium conversation. If you have medical history, the value of the conversion privilege and a realistic loading/exclusion discussion can dominate a small premium difference.
Claims & servicing
Death claim (Secure Flexi Term): pays the insured amount less any amounts owing. Claims can be submitted via a representative, by post or in person; AIA+ supports online submission and tracking.
Terminal illness: accelerates the same insured amount, provided diagnosis is after the 30-day initial exclusion window and symptoms did not pre-date the policy.
TPD rider: if TPD occurs before age 65 and you remain unable to work for 6 continuous months with no prospect of recovery, the rider accelerates the death benefit and the policy terminates once it is accelerated in full.
Angioplasty under the Critical Cover rider pays only 10% of the rider sum assured, capped at S$25,000, once — the rider then continues with a reduced sum assured.
The cost of medical reports/evidence for a claim is borne by the claimant. Incontestability: the LIA requires an incontestability clause; whether AIA's current term wording uses a one- or two-year period is unspecified publicly.
Which plan fits which buyer
High cover needed now, with future health or family changes likely
Secure Flexi Term (R&C)
Renewable to 101 plus conversion without underwriting protects future insurability; deepest rider ecosystem
Fixed liability window (mortgage, child's dependency, working years)
Secure Flexi Term (To Age)
Premium guaranteed for the whole level term — budget certainty, no renewal repricing shock
Worried a renewable term's price will spike later
Secure Flexi Term (To Age)
The renewable version's renewal premiums reset to attained age and aren't guaranteed; level term avoids that
Wants critical-illness and terminal-cancer cover built in
Either structure + Critical Cover riders
43-CI Critical Cover, early-stage cover, and AIA's first-to-market terminal cancer benefit on the base plan
Review & complaint signals
Product strength
Widely noted for flexibility and its terminal cancer benefit (first to market). Not usually the cheapest — reviews frame it as a feature-rich rather than lowest-price term plan.
Renewable-term caution
Community discussion repeatedly warns that renewable-term premiums can become painful at renewal when buyers fixate on the first block and ignore attained-age repricing. Directionally consistent with how renewable term works — treat as sentiment, not contract fact.
Consumer reviews (thin)
Seedly shows ~3.0/5 for Secure Flexi Term on a very small review base — too small to over-read. A Reddit comparison with Prudential found premiums close and the user focusing on claims/servicing over a tiny price gap.
Legacy claim (unverified)
A Reddit comment says AIA withdrew a term-to-100 structure and now covers only to 75. Directionally consistent with the current page vs older sources, but no primary AIA withdrawal notice was located — treat as unverified.
Past & legacy plans
No longer on AIA’s current term page. If you hold one, it still runs on its original contract — tap a card for what’s publicly known.
AIA publishes illustrations, not a full public tariff table, and compareFIRST premiums are estimates for a standard life that change after underwriting — so there is no reliable public rate grid for AIA term. Treat any public figure as directional only. A licensed adviser can pull a fresh AIA illustration for your exact age, sex, smoker status and underwriting profile, and apply any AIA Vitality discount you qualify for.
Get AIA term premiums priced properly
An adviser can help you:
Pull a live AIA policy illustration for your exact age, smoker status and health profile
Apply any live first-year campaign discounts, and decide honestly whether you need riders at all
Stress-test exclusions and disclosure requirements before you sign, not at claim time
This research is for education and comparison only, compiled from public AIA, compareFIRST, MoneySense and related materials accessed 2026-07-14. Items marked “unspecified publicly” are not published and must be confirmed against the current policy contract or a fresh policy illustration. Promotions change — verify live campaign terms before relying on them. This page does not rank products or recommend a purchase — confirm with AIAor a licensed financial adviser before any decision.