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Investment Linked Plan

TM goAssure: Comprehensive Protection and Wealth Accumulation

In today's uncertain world, securing your financial future is more important than ever. Term life insurance plays a crucial role in providing protection for you and your loved ones. Tokio Marine's goAssure product offers a unique combination of life insurance coverage and investment opportunities. This innovative solution is designed to meet your dual needs of protection and wealth accumulation. With goAssure, you can rest assured that you don't have to choose between safeguarding your family's future and building your wealth – you can have both. Let's explore how this versatile product can help you achieve your life goals with confidence.

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How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) combine life insurance protection with investment opportunities, offering a flexible approach to financial planning. With an ILP, your premium is allocated between insurance coverage and investment funds. The insurance component provides protection against risks such as death, disability, or critical illness, while the investment component allows you to potentially grow your wealth over time. You have the freedom to choose from a range of fund options with varying risk levels, tailoring your investment strategy to your financial goals and risk tolerance. The value of your policy fluctuates based on the performance of your chosen funds, giving you the potential for higher returns compared to traditional life insurance policies. However, it's important to note that investment returns are not guaranteed, and you bear the investment risk.

TM goAssure Insurance Coverage

TM goAssure offers comprehensive protection to secure your family's financial future. This versatile policy provides multiple levels of coverage, allowing you to tailor your protection to your specific needs and life goals. With options for coverage up to age 99, goAssure ensures that you and your loved ones are protected throughout your life journey. Let's explore the key aspects of the insurance coverage provided by TM goAssure:

Death Benefit

Provides financial security for your beneficiaries in the event of your passing. The death benefit ensures that your loved ones are protected financially, helping them maintain their lifestyle and meet ongoing expenses.

TPD Coverage

Offers protection in case of Total and Permanent Disability (TPD). This benefit provides crucial financial support if you become unable to work due to a severe disability, helping you maintain your quality of life and cover ongoing expenses.

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TM goAssure Rider Options

TM goAssure offers a range of rider options to enhance your protection and tailor your policy to your specific needs. These riders provide additional coverage for various life events and health conditions, allowing you to create a comprehensive insurance solution. By adding these riders to your base policy, you can ensure that you're prepared for a wide range of contingencies. Let's explore the key rider options available with TM goAssure:

Critical Illness Coverage

Provides financial protection against critical illnesses. This rider offers a lump sum payout upon diagnosis of covered critical illnesses, helping you focus on recovery without financial stress.

Early Critical Illness

Offers coverage for early-stage critical illnesses. This rider provides financial support at the early stages of certain critical conditions, enabling early intervention and treatment.

TM goAssure Investment Component

The investment component of TM goAssure offers you the opportunity to grow your wealth while enjoying life insurance protection. With a range of fund options and flexible investment strategies, you can tailor your investment approach to match your financial goals and risk tolerance. The policy allows you to actively manage your investments and adapt to changing market conditions. Let's explore the key aspects of the investment component offered by TM goAssure:

Diverse Fund Options

Choose from a variety of funds including equity, balanced, and fixed income options. This diversity allows you to create a portfolio that aligns with your risk appetite and investment objectives.

Professional Management

Benefit from expert fund management and investment strategies. Professional fund managers actively manage the funds, aiming to optimize returns while managing risk.

Fund Switching

Enjoy the flexibility to switch between funds as needed. This feature allows you to adjust your investment strategy in response to market conditions or changes in your financial goals.

Performance Tracking

Access fund performance data and historical returns. Regular updates on fund performance help you make informed decisions about your investments and track progress towards your financial goals.

Fees and Charges

Understanding the fees and charges associated with TM goAssure is crucial for making an informed decision about your investment-linked policy. These charges cover various aspects of policy administration, fund management, and insurance protection. While fees do impact your overall returns, they also ensure the smooth operation of your policy and the professional management of your investments. Let's break down the key fees and charges associated with TM goAssure:

Premium Allocation

A percentage of your premium is allocated to your chosen funds. The allocation rate may increase over time, potentially allowing a higher portion of your premium to be invested as your policy matures.

Policy Administration

A regular charge for managing your policy. This fee covers the administrative costs associated with maintaining your policy and providing ongoing service.

Fund Management

A charge for professional management of your chosen funds. This fee compensates the fund managers for their expertise in managing and optimizing your investments.

Surrender Charges

Fees applicable if you surrender your policy early. These charges typically decrease over time and are designed to recover the upfront costs of issuing and maintaining your policy.

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Flexibility and Customization

TM goAssure stands out for its flexibility, allowing you to adapt your policy to changing life circumstances and financial goals. This adaptability ensures that your insurance and investment strategy remains aligned with your needs throughout different stages of life. Whether you're looking to increase your coverage, adjust your investments, or manage your premiums during challenging times, goAssure offers various options to customize your policy. Let's explore the key features that provide flexibility and customization in TM goAssure:

Premium Top-ups

Option to make additional investments when funds are available. Top-ups allow you to boost your investment component, potentially increasing your wealth accumulation over time.

Partial Withdrawals

Flexibility to withdraw funds when needed. This feature provides access to your investment value for unexpected expenses or financial opportunities, subject to certain conditions.

Premium Holiday

Option to pause premium payments temporarily. This feature provides financial relief during challenging times, such as hospitalization or retrenchment, without immediately impacting your coverage.

Adjustable Coverage

Ability to increase coverage at key life milestones. You can enhance your protection upon significant life events like graduation, marriage, property purchase, or the birth of a child.

Conclusion

TM goAssure offers a versatile solution for individuals seeking both comprehensive life insurance protection and potential wealth accumulation. This product is particularly well-suited for young professionals starting their financial planning journey, growing families looking to secure their future, and individuals seeking a flexible investment-linked policy that can adapt to their changing needs. With its range of coverage options, investment flexibility, and customizable features, goAssure provides a solid foundation for long-term financial security and growth.
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