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Investment Linked Plan

Introduction

In today's dynamic financial landscape, investment-linked plans (ILPs) have emerged as a powerful tool for individuals seeking to combine life insurance protection with investment opportunities. Tokio Marine's GoAffluence is a cutting-edge ILP designed to help you build wealth while securing your financial future. This innovative product offers a unique blend of multifold financial gains, enhanced protection benefits, and flexible planning options. With GoAffluence, you can kickstart your journey towards financial affluence and enjoy the peace of mind that comes with comprehensive coverage.

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How ILPs Work

Investment-linked plans (ILPs) are a hybrid financial product that combines life insurance coverage with investment opportunities. When you purchase an ILP, a portion of your premium goes towards life insurance protection, while the remainder is invested in a range of funds chosen by you. The premium allocation varies based on factors such as your age, coverage amount, and chosen funds. GoAffluence offers a wide range of curated funds to suit different risk appetites, allowing you to create a personalized investment portfolio. You have the flexibility to switch between funds at any time without charges, enabling you to adapt your investment strategy as market conditions change or your financial goals evolve. This unique structure of ILPs allows you to potentially benefit from market growth while maintaining essential life insurance protection.

Insurance Coverage

GoAffluence provides robust insurance coverage to protect you and your loved ones against life's uncertainties. The plan offers comprehensive protection benefits that go beyond basic life insurance, ensuring your financial security in various scenarios.

Capital Guarantee

GoAffluence offers investment protection against market downturns and provides a capital guarantee upon death. This ensures that your beneficiaries receive at least the sum assured, regardless of market performance.

Accidental Coverage

The plan includes additional enhanced coverage for accidental death, providing extra financial protection for your loved ones in case of unforeseen circumstances.

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Insurance Rider Options

GoAffluence offers a range of optional riders to enhance your protection and tailor the plan to your specific needs. These riders provide additional coverage for various scenarios, allowing you to create a comprehensive insurance package.

Medical Reimbursement

This rider offers protection for your lifestyle with a medical reimbursement benefit for accidental injury. It helps cover medical expenses incurred due to accidents, ensuring you can focus on recovery without financial stress.

Premium Relief

In the event of retrenchment, you can receive up to 12 months of premium relief. This feature eases your financial commitments during challenging times, allowing you to maintain your coverage without additional strain.

Legacy Transfer

GoAffluence allows you to transfer your wealth plan and guarantee your legacy of affluence by changing the Life Assured. This flexibility ensures that your financial plans can adapt to changing family circumstances.

Investment Component

The investment component of GoAffluence is designed to help you grow your wealth over time. With a wide range of fund options and flexible management features, you can tailor your investment strategy to meet your financial goals.

Diverse Fund Options

GoAffluence offers a wide range of curated funds to suit different risk appetites and investment objectives. You can choose from equity, balanced, and fixed income funds to create a diversified portfolio.

Professional Management

The funds are managed by experienced professionals who employ various investment strategies to optimize returns while managing risk. This ensures that your investments benefit from expert guidance and market insights.

Flexible Switching

You have the ability to switch between funds at any time without charges. This flexibility allows you to adjust your investment allocation based on market conditions or changes in your financial goals.

Performance Tracking

While past performance is not indicative of future results, GoAffluence provides access to historical fund performance data. This information can help you make informed decisions about your investment choices.

Fees and Charges

Understanding the fees and charges associated with GoAffluence is crucial for making an informed decision. While the exact figures may vary based on your specific plan, here's an overview of the main charges you can expect:

Premium Allocation

A portion of your premium is allocated to cover the cost of insurance and other charges. The remaining amount is invested in your chosen funds. The exact allocation percentage may vary based on your plan details.

Policy Administration

A regular fee is charged to cover the administrative costs of maintaining your policy. This ensures the smooth operation and management of your GoAffluence plan.

Fund Management

Each fund has an associated management charge, typically expressed as a percentage of the fund value. This fee covers the cost of professional fund management and investment expertise.

Surrender Charges

If you choose to surrender your policy early, there may be charges applied. These charges typically decrease over time and are designed to recover the initial costs of setting up the policy.

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Flexibility and Customization

GoAffluence offers a range of flexible features that allow you to customize your plan according to your changing needs and financial circumstances. These options provide you with greater control over your investment and insurance coverage.

Premium Top-ups

You can enjoy policy value growth by topping up your plan with additional premiums. This feature allows you to increase your investment when you have extra funds available.

Partial Withdrawals

GoAffluence allows you to make partial withdrawals with zero charges whenever you need a financial cushion. This flexibility ensures you can access your funds when needed without incurring penalties.

Premium Holidays

The plan offers unlimited premium holidays to meet your evolving needs. This feature allows you to temporarily pause premium payments during financial constraints without losing your coverage.

Adjustable Coverage

You have the option to adjust your insurance coverage as your needs change. This flexibility ensures that your protection remains aligned with your life stage and financial responsibilities.

Conclusion


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