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Investment Linked Plan

TM Atlas Wealth: Flexible Global Investment-Linked Insurance

In today's dynamic financial landscape, finding an insurance product that combines protection with investment potential is crucial. TM Atlas Wealth, a global, multi-currency investment-linked insurance policy from Tokio Marine Life Insurance Singapore, offers a unique solution. This innovative product allows you to grow your wealth while providing life coverage, all tailored to your specific needs and goals. With its flexible features and potential for global diversification, TM Atlas Wealth stands out as a compelling option for those seeking to secure their financial future on their own terms.

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How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) combine life insurance coverage with investment opportunities. In an ILP like TM Atlas Wealth, your premium is split between providing life insurance protection and purchasing units in investment-linked funds. The allocation of premiums is flexible, allowing you to adjust the balance between protection and investment based on your needs. TM Atlas Wealth offers a range of fund options with varying risk levels, from conservative fixed income funds to more aggressive equity funds. This structure enables you to potentially benefit from market growth while maintaining life insurance coverage, offering a dual approach to financial planning and wealth accumulation.

TM Atlas Wealth Insurance Coverage

TM Atlas Wealth provides essential life insurance coverage to protect you and your loved ones. The policy offers flexibility in terms of coverage options, allowing you to tailor the protection to your specific needs. Let's explore the key aspects of the insurance coverage provided by TM Atlas Wealth:

Death Benefit

TM Atlas Wealth offers two death benefit options. The Advanced Death Benefit pays the higher of 101% of the policy value or total premiums paid less withdrawals during the premium payment term. The Basic Death Benefit pays 101% of the policy value.

No Medical Underwriting

One of the advantages of TM Atlas Wealth is that it doesn't require medical underwriting. This means you don't need to provide your medical history or undergo a medical examination to be eligible for coverage.

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TM Atlas Wealth Rider Options

TM Atlas Wealth offers a range of optional riders to enhance your protection. These riders provide additional coverage for specific scenarios, allowing you to customize your policy to better suit your needs. Here are the available rider options:

Cancer Waiver

This rider waives future premiums upon diagnosis of Major Cancer, ensuring your policy remains in force even if you're unable to pay premiums due to cancer.

Early Critical Illness Premium Waiver

This rider waives future premiums for 5 years (up to 2 times) upon diagnosis of any covered Early or Intermediate Stage Critical Illnesses.

Waiver of Premium

This rider waives future premiums upon diagnosis of any of the covered Major Stage Critical Illnesses, ensuring continued coverage during challenging times.

Payer Benefit Riders

These riders (including Spouse Rider, Enhanced Payer Benefit, and Enhanced Spouse Rider) waive future premiums in the event of death, total and permanent disability, or diagnosis of covered Major Stage Critical Illnesses of the policyholder or spouse.

TM Atlas Wealth Investment Component

The investment component of TM Atlas Wealth is designed to offer flexibility and potential for growth. It allows you to tailor your investment strategy according to your risk appetite and financial goals. Here's an overview of the key aspects of the investment component:

Diverse Fund Options

TM Atlas Wealth offers a range of ILP sub-funds for investment. While specific fund details are not provided in the product brochure, it's likely that options include equity, balanced, and fixed income funds to suit various risk profiles.

Professional Management

The funds are professionally managed, employing various investment strategies to potentially maximize returns while managing risk. The exact strategies would depend on the specific funds chosen.

Free Fund Switching

TM Atlas Wealth allows free fund switches, giving you the flexibility to adjust your investment allocation as market conditions change or your financial goals evolve.

Performance Tracking

While historical returns are not guaranteed, you can track the performance of your chosen funds. It's important to note that past performance doesn't guarantee future results.

Fees and Charges

Understanding the fees and charges associated with TM Atlas Wealth is crucial for making an informed decision. These costs can impact your overall returns and the value of your policy. Here's a breakdown of the key fees and charges:

Initial Charge

An initial charge of 4% per annum is applied to the initial units account value. This charge is deducted from the premiums paid during the first 12 months of the policy.

Policy Charge

A policy charge of 1.50% per annum is applied to the total policy value. This ongoing charge covers the administrative costs of maintaining your policy.

Fund Management Charge

The fund management charge varies depending on the chosen investment fund. This fee covers the cost of managing the underlying investments in your chosen funds.

Surrender Charge

A surrender charge may apply if you terminate your policy before the end of the premium payment term. The exact amount would depend on when you surrender the policy.

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Flexibility and Customization

TM Atlas Wealth offers a high degree of flexibility, allowing you to adapt your policy as your financial situation and needs change over time. This adaptability is one of the key advantages of the product. Here are some of the ways you can customize your policy:

Premium Top-ups

You can make additional investments through top-up premiums. The minimum top-up amount is 3,000 in the policy currency (SGD/AUD/GBP/USD/EUR), allowing you to boost your investment when you have extra funds available.

Partial Withdrawals

TM Atlas Wealth allows for partial withdrawals, giving you access to your funds if needed. There is no withdrawal charge, providing flexibility to use your investment for important life events or unexpected expenses.

Premium Adjustment

After the first policy year, you have the option to adjust your premium contributions. This feature allows you to increase or decrease your premiums based on your financial situation and goals.

Multiple Lives Coverage

TM Atlas Wealth allows up to 2 Policy Owners (Assured) and 4 Lives Assured. This feature enables you to extend coverage to family members or adapt the policy as your family situation changes.

Conclusion

TM Atlas Wealth offers a versatile solution for individuals seeking a combination of life insurance protection and investment opportunities. This product may be particularly suitable for:
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