TM FlexiCover: Your Adaptable Investment-Linked Insurance Plan

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.

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.

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:

• Basic Sum Assured: S$150,000

• Monthly Premium: S$300

• Fund Allocation: 100% TMLS Income and Growth Fund (TICG)

At age 60, assuming an 8% p.a. illustrated investment return:

• Total Premiums Paid: S$108,000

• Illustrated Policy Value: S$264,310

• Death Benefit: S$264,310

This example shows how Richard's investment could grow over time while maintaining life coverage.

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.