TM Atlas Wealth
We analysed TM Atlas Wealth so you don't have to. One fascinating find: Multi-currency policy with no medical underwriting! View our full review to see if it fits your needs.
In today's ever-changing financial landscape, having a flexible and rewarding investment plan is crucial. If you're looking for a way to grow your wealth while maintaining the ability to adapt to life's changes , TM goClassic Secure might be the solution you've been searching for. Let's dive deep into what this plan offers and how it can help you achieve your financial goals.
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TM goClassic Secure is an investment-linked insurance plan (ILP) offered by Tokio Marine Life Insurance Singapore. It's designed to provide you with the flexibility to manage your investments while offering protection benefits . This plan allows you to tailor your investments to your changing needs while ensuring investment protection in case of untimely death or during market downturns.
Invest in a well-diversified portfolio, capture different market opportunities, and choose your preferred plan currency.
Initial Bonus: Up to 141% paid over the first 3 years . Yearly Loyalty Bonus: Up to 0.5% p.a. from the 4th year onwards. Yearly Additional Bonus: Up to 0.2% p.a. from the 4th year until the end of the premium term.
Choose your premium term (between 5 and 25 years), select your preferred plan currency (SGD, AUD, GBP, USD, or EUR), and access a suite of curated ILP sub-funds.
Make premium top-ups, perform partial withdrawals, and enjoy free fund switches to capitalize on market opportunities.
Cancer Waiver, Early Critical Illness Premium Waiver, Waiver of Premium, and Payer Benefit Rider options available.
Protects against volatile market trends and locks in the highest monthly policy value throughout the policy term.
Let's break down the key components of this plan:
1. Investment Component: Choose from a range of ILP sub-funds to build a portfolio that matches your risk profile and financial goals. There's no bid-offer spread, which means cost savings for you.
2. Bonus Structure: Initial Bonus, Yearly Loyalty Bonus, and Yearly Additional Bonus provide significant boosts to your investment.
3. Protection Component: Includes a death benefit, with optional riders for enhanced protection.
4. High Watermark Feature: Locks in the highest monthly policy value, protecting you against market volatility.
5. Flexibility: Make top-ups, withdrawals, and fund switches to adapt your plan to changing circumstances.
Let's consider a hypothetical example to see how TM goClassic Secure can work in real life:
Mark, age 35, signs up for TM goClassic Secure. Over the years, he uses the plan's flexibility to adapt to his changing needs:
This scenario illustrates how TM goClassic Secure can adapt to various life stages and financial needs.
Highly flexible plan that adapts to changing needs
Multiple bonuses to boost investment growth
Choice of plan currency and premium term
High Watermark feature protects against market volatility
Optional riders for enhanced protection
As an investment-linked plan, returns are not guaranteed
Early termination may result in high costs and potential loss
Requires active management to maximize benefits
This plan is ideal for individuals who:
Yes, you can make free fund switches to adapt to market conditions.
The plan allows for partial withdrawals, but this may affect your policy value and benefits.
You should check with a Tokio Marine Representative for the current minimum premium requirements.
The plan allows for ad-hoc top-ups, but specific conditions may apply.
The plan includes a death benefit, and if you've added the High Watermark feature, your beneficiaries will receive the higher of the current policy value or the locked-in value.
While TM goClassic Secure offers attractive features, it's important to keep in mind:
TM goClassic Secure offers a unique combination of investment flexibility, potential rewards, and protection benefits . Its adaptability makes it an attractive option for those looking to grow their wealth while maintaining the ability to respond to life's changes. However, like any financial product, it's essential to carefully consider your personal circumstances, risk tolerance, and long-term goals before making a decision.
Remember, the best financial plan is one that aligns with your specific needs and objectives. If you're considering TM goClassic Secure or any other investment-linked plan, it's always wise to consult with a financial advisor who can provide personalized recommendations based on your unique situation.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on investment-linked insurance plans. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
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