In today's fast-paced, globalized world, managing your wealth effectively across borders can be challenging. Whether you're an expatriate professional, a global citizen, or simply someone looking for diverse investment opportunities, you need a flexible, comprehensive solution that grows with you. Enter TM Atlas Wealth , a unique investment-linked insurance policy (ILP) designed to meet the complex needs of the modern investor.
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TM Atlas Wealth is a limited-pay, whole of life, investment-linked insurance policy offered by Tokio Marine Life Insurance Singapore Ltd. It's designed to provide you with a flexible, rewarding, and global approach to wealth management and protection . This plan allows you to invest in multiple currencies, adapt to changing life circumstances, and potentially boost your returns through various bonuses.
Available in five major currencies: SGD, AUD, GBP, USD, and EUR . Ideal for expatriates and those with international financial goals.
Choose a premium payment term between 5 and 25 years. Minimum monthly premiums range from 380 GBP to 660 AUD, depending on currency.
Initial bonus of up to 97.5% of annualized regular premium over the first 5 years. Yearly loyalty bonus of up to 0.3% per annum of accumulated units account value from the 6th year onwards.
100% of regular premiums allocated for unit purchase from day one . Option to make premium top-ups, withdrawals, and free fund switches.
Basic Death Benefit: 101% of policy value. Advanced Death Benefit: Higher of 101% of policy value or total premiums paid less withdrawals (during premium payment term).
Simplified application process with no medical examination required .
Let's break down the key components of this plan:
1. Premium Allocation: From day one, 100% of your regular premium is allocated to purchase units in your chosen funds.
2. Bonus Structure: Initial Bonus of up to 19.5% per annum for the first 5 years. Loyalty Bonus of up to 0.3% from the 6th year onwards.
3. Investment Options: Access to a range of curated ILP sub-funds for a diversified portfolio.
4. Flexibility: Switch funds without charge, make partial withdrawals, adjust premium contributions, and add/remove/change Life Assured.
5. Protection: Choose between Basic Death Benefit or Advanced Death Benefit during the premium payment term.
Let's consider Joan, a 30-year-old professional who signs up for TM Atlas Wealth with a 20-year premium payment term:
Throughout this journey, Joan benefits from the annual loyalty bonus and has the flexibility to switch funds based on market opportunities.
It's important to understand the fees associated with TM Atlas Wealth:
There are no charges for withdrawals, changes in policy currency, fund switching, or surrenders (after the premium payment term).
Multi-currency options ideal for global citizens
Flexible premium payment terms and investment options
Rewarding bonus structure to boost investment growth
No medical underwriting required
Option to add multiple lives assured (up to 4)
Fees and charges may impact overall returns
Investment risks – returns are not guaranteed
Early termination may result in significant costs
Complex structure may require careful consideration and professional advice
TM Atlas Wealth is particularly well-suited for:
Yes, but check with Tokio Marine for any associated costs or conditions.
The policy may lapse if premiums are not paid. Speak with your advisor about options like premium holidays.
Yes, you can make partial withdrawals, but this may affect your policy value and benefits.
Initial bonuses are based on a percentage of regular premiums paid in the first 5 years. Loyalty bonuses are a percentage of the accumulated units account value from year 6 onwards.
TM Atlas Wealth is designed for global mobility. However, always check the legal and tax implications in your new country of residence.
TM Atlas Wealth offers a unique combination of flexibility, global reach, and potential for growth that makes it stand out in the world of investment-linked insurance policies. Its multi-currency options and adaptable structure make it particularly attractive for those with international lifestyles or financial goals.
However, like any financial product, it's crucial to carefully consider your personal circumstances, risk tolerance, and long-term objectives before committing. The complex nature of this product means it's especially important to seek professional advice to ensure it aligns with your overall financial strategy.
Remember, while TM Atlas Wealth offers exciting opportunities for wealth accumulation and protection, it also comes with investment risks. The value of your investment can go down as well as up, and past performance is not necessarily indicative of future results.
Ready to explore how TM Atlas Wealth could fit into your financial plan? Don't rely on just one perspective. Get expert insights tailored to your unique situation . Sign up now to receive 5 expert opinions on how TM Atlas Wealth could work for you. These professionals will review your specific circumstances and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of how this product could fit into your overall financial strategy. Don't leave your global wealth management to chance – get the expert advice you deserve today.
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