What to look out for when applying for Aviva mindef/mha insurance?

Just a point to note on distribution upon death. Group policies don't allow for the nomination of beneficiaries and will follow Intestate Succession Act. It may not be the way you intend to distribute.

Control.

As Hariz mentioned, you don't own the policy. If the policy owner decides to end their agreement with the insurer, you will be left with no cover (consider a situation where you are no longer insurable, that will compound the problem if you are left with no cover).

Plus, the premiums escalate drastically after 65, if you are like some of my clients who wish have coverage till 70 or even 75, an individual term policy might be better in the long run.

In addition, your maximum coverage is $1 million, and it is not uncommon to have coverage for more than $1 million.

The CI riders are not exactly cheap, plus you won't have CI coverage for life as cover will end at age 70. I did a calculation for some clients before, the total cost of a CI rider added to the Group Term plan was actually more than getting a term plan and a separate Whole Life CI plan for him in the long run.