In today's fast-paced world, change is the only constant. As you journey through life, your financial priorities shift, and your insurance needs evolve. Whether you're just starting your career, planning a wedding, welcoming a new family member, or preparing for retirement, you need a versatile plan that can keep up with your changing lifestyle. Enter TM FlexiCover , an innovative investment-linked plan (ILP) from Tokio Marine Life Insurance Singapore Ltd. that's designed to grow and adapt with you.
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TM FlexiCover is a regular premium whole life investment-linked plan that offers both protection and investment opportunities. It's designed to provide financial security for your loved ones through life coverage while allowing you to build wealth through investments. The key feature of this plan is its flexibility , allowing you to adjust your coverage and investment strategy as your life circumstances change.
With a minimum monthly premium of just S$125, TM FlexiCover makes it easy to begin your investment journey while ensuring you're protected against life's uncertainties.
As your life evolves, so can your coverage. Increase your protection when you start a family, or reduce it as you near retirement to focus more on wealth accumulation.
Received a pay raise? You can increase your regular premium to boost your investments. Facing financial constraints? You can reduce your premium (after the first two years) while maintaining coverage.
Access a range of professionally managed investment-linked sub-funds to potentially maximize your returns over the long term.
Enhance your coverage with optional riders for critical illness, disability, and more, without affecting your basic plan's investment value.
Gift your policy to a family member through the Life Replacement Option, ensuring your loved ones benefit from your financial planning.
If you're a smoker, enjoy non-smoker rates for the first two years. Successfully quit smoking within this period, and keep these lower rates for life!
Strike a balance between protection and investment. Start with a lower premium and gradually increase as your income grows.
Increase your protection cover to safeguard your spouse's future. Adjust your investment strategy for shared financial goals.
Further boost your protection coverage for your growing family. Add riders for comprehensive family protection.
Increase your regular premium as your income rises. Take advantage of ad-hoc top-ups during bonus seasons.
Reduce protection cover to focus on wealth accumulation. Adjust your investment strategy for capital preservation and income generation.
Take advantage of market movements by switching between different investment-linked sub-funds at no cost.
Invest extra funds (minimum S$1,200) anytime without increasing your basic sum assured.
Access your funds (minimum S$1,000) when needed, though this may affect your basic sum assured.
Take a break from premium payments after the first two years without losing coverage, as long as your policy has sufficient value.
Increase or decrease your regular premium to suit your financial situation (minimum increase: S$50 monthly, S$150 quarterly, S$300 semi-annually, S$600 annually).
TM FlexiCover provides access to a range of professionally managed investment-linked sub-funds. These funds are designed to cater to different risk appetites and investment goals. For detailed information on available funds, refer to the Product Summary and Product Highlights Sheet on the Tokio Marine website.
Customize your plan with additional riders:
1. Critical Illness Riders: Cover early, intermediate, and advanced stages of critical illnesses.
2. Total and Permanent Disability Rider: Receive financial support if you become totally and permanently disabled.
3. Terminal Illness Rider: Get additional coverage for terminal illness diagnosis.
4. Premium Waiver Riders: Have your future premiums waived in case of specified unfortunate events.
Let's look at how TM FlexiCover works for Richard, a 30-year-old non-smoking male:
At age 60, assuming an 8% p.a. illustrated investment return:
This example shows how Richard's investment could grow over time while maintaining life coverage.
Remember that investments are subject to market risks, and the value of units can rise or fall. Past performance doesn't guarantee future results.
Be aware of applicable fees, including fund management charges (e.g., 1.25% p.a. for the TICG fund).
Life insurance is a long-term commitment. Early termination may result in high costs and low surrender values.
Illustrated values are based on projected investment returns and are not guaranteed.
This policy is protected under the Policy Owners' Protection Scheme administered by the Singapore Deposit Insurance Corporation (SDIC).
TM FlexiCover offers a unique blend of protection and investment opportunities, designed to adapt to your changing life circumstances. Its flexibility allows you to adjust your coverage and investment strategy as you progress through different life stages, ensuring that your insurance plan always aligns with your current needs and future goals.
However, as with any financial product, it's crucial to carefully consider your personal situation, risk tolerance, and long-term objectives before committing to TM FlexiCover. While the plan offers attractive features, remember that investment returns are not guaranteed, and early termination can be costly .
To make an informed decision, it's always wise to seek professional advice. Don't rely on just one perspective – get multiple expert opinions to ensure you're making the best choice for your financial future.
Ready to explore how TM FlexiCover or similar investment-linked plans can fit into your financial strategy? Take the next step towards securing your future. Sign up now to receive personalized proposals from 5 qualified financial advisors who can provide expert insights on investment-linked insurance plans tailored to your unique situation.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best plan for your needs. Don't leave your financial future to chance – get the expert advice you deserve today.
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