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Investment Linked Plan

TM goClassic Secure: Flexible Investment-Linked Insurance for Your Future

In today's dynamic financial landscape, securing your future while maintaining flexibility is crucial. TM goClassic Secure, an innovative investment-linked insurance plan (ILP) from Tokio Marine Life Insurance Singapore, offers a unique blend of protection and investment opportunities. This product is designed to provide financial security for your loved ones while allowing you to grow your wealth over time. With its customizable features and diverse investment options, TM goClassic Secure empowers you to adapt your coverage and investment strategy as your life circumstances change. Let's explore how this versatile plan can help you achieve your long-term financial goals while ensuring peace of mind for you and your family.

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How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) combine life insurance coverage with investment opportunities, offering a unique approach to financial planning. In an ILP, your premiums are allocated between insurance protection and investment components. A portion of your premium goes towards life insurance coverage, while the remainder is invested in a range of professionally managed funds. These funds typically offer various risk levels and investment strategies, allowing you to choose options that align with your financial goals and risk tolerance. The value of your policy fluctuates based on the performance of the chosen funds, potentially providing opportunities for long-term wealth accumulation. ILPs also offer flexibility, allowing you to adjust your coverage and investment mix as your needs change over time.

TM goClassic Secure Insurance Coverage

TM goClassic Secure offers comprehensive insurance coverage to protect you and your loved ones. The plan provides financial security in the event of unfortunate circumstances, ensuring that your family's future remains secure. Let's explore the key aspects of the insurance coverage provided by TM goClassic Secure:

Death Benefit

TM goClassic Secure provides a death benefit to your beneficiaries in the event of your passing. This benefit ensures financial support for your loved ones, helping them maintain their lifestyle and meet ongoing financial obligations.

Total and Permanent Disability (TPD) Benefit

In case of total and permanent disability, TM goClassic Secure offers a benefit to help you cope with the financial impact. This coverage provides crucial support during challenging times, helping you maintain financial stability despite the inability to work.

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TM goClassic Secure Rider Options

TM goClassic Secure offers a range of optional riders to enhance your protection and tailor the policy to your specific needs. These riders provide additional coverage for various scenarios, allowing you to create a comprehensive insurance package. Here are the key rider options available with TM goClassic Secure:

Cancer Waiver

This rider waives future premiums upon diagnosis of Major Cancer, ensuring your policy remains in force even if you're unable to pay premiums due to cancer treatment.

Early Critical Illness Premium Waiver

With this rider, future premiums are waived for 5 years (up to 2 times) upon diagnosis of any covered Early or Intermediate Stage Critical Illnesses, providing financial relief during recovery.

Waiver of Premium

This rider waives future premiums upon diagnosis of any of the covered Major Stage Critical Illnesses, ensuring your policy remains active during challenging times.

Payer Benefit Riders

These riders (including Spouse Rider, Enhanced Payer Benefit, and Enhanced Spouse Rider) waive future premiums in the event of death, total and permanent disability, or diagnosis of covered Major Stage Critical Illnesses of the policyholder or spouse.

TM goClassic Secure Investment Component

TM goClassic Secure offers a robust investment component, allowing you to grow your wealth while enjoying insurance protection. The plan provides access to a diverse range of investment options and strategies to help you achieve your financial goals. Here's an overview of the key features of the investment component:

Diverse Fund Options

TM goClassic Secure provides access to a suite of curated ILP sub-funds, allowing you to build a portfolio that meets your needs and risk profile. These funds likely include a mix of equity, balanced, and fixed income options to suit various investment objectives.

Professional Management

The funds are professionally managed, leveraging the expertise of experienced fund managers to navigate market conditions and seek optimal returns. This approach aims to maximize growth potential while managing risk.

Flexible Fund Switching

TM goClassic Secure offers the flexibility to switch between funds, allowing you to capitalize on market opportunities or adjust your investment strategy as needed. The plan provides free fund switches, enabling cost-effective portfolio management.

Performance Tracking

While specific historical returns are not provided, TM goClassic Secure likely offers tools and regular reports to track fund performance. This allows you to monitor your investments and make informed decisions about your portfolio allocation.

Fees and Charges

Understanding the fees and charges associated with TM goClassic Secure is essential for making an informed decision. While specific figures are not provided in the given information, here's an overview of the typical fee structure for investment-linked policies:

Premium Allocation Charge

A portion of your premium may be deducted to cover administrative costs and commissions. This charge is typically higher in the initial years and decreases over time.

Policy Administration Charge

An ongoing fee may be charged to cover the cost of administering your policy. This is usually a fixed amount deducted monthly from your policy value.

Fund Management Charge

Each fund within the policy may have an associated management fee, typically expressed as a percentage of the fund value. This covers the cost of professional fund management.

Surrender Charge

If you choose to surrender your policy early, a surrender charge may apply. This charge typically decreases over time and is designed to recover the insurer's upfront costs.

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Flexibility and Customization

TM goClassic Secure offers a range of flexible features that allow you to customize your policy and adapt it to your changing needs over time. These options provide you with greater control over your insurance and investment strategy. Here are the key flexibility features of TM goClassic Secure:

Premium Top-ups

TM goClassic Secure allows you to make ad-hoc premium top-ups, enabling you to invest additional funds when you have extra cash available. This feature helps you capitalize on market opportunities or boost your investment component.

Partial Withdrawals

The plan offers the flexibility to make partial withdrawals from your policy value. This feature allows you to access funds for various needs, such as education expenses or major purchases, without fully surrendering your policy.

Premium Holiday

While not explicitly mentioned, many ILPs offer a premium holiday option. This feature typically allows you to temporarily pause premium payments during financial difficulties, with the policy charges being deducted from the existing policy value.

Adjustable Coverage

TM goClassic Secure likely allows you to adjust your insurance coverage over time. This may include options to increase or decrease your sum assured, add or remove riders, or change your premium payment term to align with your evolving financial situation and protection needs.

Conclusion

TM goClassic Secure offers a versatile solution for individuals seeking a balance between life insurance protection and investment opportunities. This plan may be particularly suitable for:
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