AXA Optimus Review
The complete Pros and Cons on AXA Optimus
AXA Optimus product details
AXA Optimus allows you to achieve your investment goals faster with free bonus units of up to 180% in your first year. It is the solution you need to see your ambitions come true.
AXA Optimus Rating on InterestGuru.sg: [usr=3.5]
AXA Optimus Popularity on InterestGuru.sg: [usr=4.2]
Read about: 3 best Investment Linked Policies in Singapore (Updated)
- Life Policy – Investment-linked policy
- Issuance age from 18 to 60 years old
- Achieve your investment goals faster with free bonus units of up to 180% in your first year
- Wide range of investment choices exclusive to AXA clients allow you to build an impactful portfolio
- Choose your preferred insurance coverage from 2 options; basic (101% of account value) or enhanced (the higher of 101% of Account Value or Total Premiums paid minus withdrawals)
- In the event of retrenchment or a redundancy situation, receive up to SGD 9,000 per Policy
- Regular withdrawal option
Read about: How does Investment-Linked Policy work?
Read about: Investment-Linked Policy: Is it the best option?
Features of AXA Optimus at a glance
Cash and Cash Withdrawal Benefits
- Cash value: Yes
- Cash withdrawal benefits: Yes
Health and Insurance Coverage
- Death: Yes
- Total Permanent Disability: No
- Terminal Illness: No
- Critical Illness: No
- Early Critical Illness: No
Health and Insurance Coverage Multiplier
- Death: No
- Total Permanent Disability: No
- Terminal Illness: No
- Critical Illness: No
- Early Critical Illness: No
Optional Add-on Riders
NA
Additional Features and Benefits
Yes.
For further information and details, refer to AXA website. Alternatively, fill up the form below and let us advise accordingly.
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AXA Optimus may be suitable if you are looking for
AXA Optimus may potentially be a good fit if the following matters to you:
- Initial high protection for Death and Terminal Illness coverage at an affordable premium.
- Initial high Early Critical Illness, Critical Illness and Total Permanent Disability coverage in an Insurance Policy.
- Health and Protection coverage due to a shortfall in your Insurance Portfolio.
- To participate in the long-term financial returns of investing.
- Liquidity or flexibility of withdrawal in your Insurance policy.
- Able to take investment risks and comfortable with financial market volatility.
- Potentially higher financial returns compare to traditional Endowment and Whole Life Policy.
Read about: An introduction to Investment Linked Policy
NEW Feature: Compare investment-linked policies across insurance companies using the CompareNOW feature on InterestGuru.sg.
AXA Optimus may not suitable if you are looking for
AXA Optimus may potentially be a bad fit if the following matters to you:
- Lifelong health and protection coverage due to increasing mortality charges.
- Guaranteed financial returns in the long-run.
- Insurance policy with a high surrender value in the early years of the policy.
- Expecting an urgent need for withdrawal during a financial market downturn.
Read about: ETFs or Unit Trust Funds, which is more suitable for you
Read about: Where do I start with financial planning?
Further considerations on AXA Optimus
- How are the investment returns of AXA or AXA Optimus based on historical performance?
- How good is AXA Optimus compared with Investment Linked Policy from other insurance companies?
- Can AXA Optimus fulfil my financial insurance, health and protection needs?
The above information may not fully highlight all the product details and features on AXA Optimus. Talk to us or seek advice from a financial adviser before making any decision about AXA Optimus.
Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.
Read about: How can I accumulate a million dollar (Realistically)
Read about: 3 best Investment Linked Policies in Singapore (Updated)
Where can I compare the payout and benefits of Investment Linked Policies?
Before committing to an insurance policy, it certainly pays to make an effort to compare. Specific products features, benefits and payout will differ more than you think across insurance companies. Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?
Use our Compare NOW feature to receive the most competitive quotes on Investment linked Policies.
Alternatively, you just need to provide us with a couple of details below.
Is AXA Optimus suitable for me?
Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.
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