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Investment Linked Plan

TM goElite Secure: Maximizing Protection and Wealth Accumulation

In today's uncertain world, securing your financial future is more important than ever. TM goElite Secure offers a unique solution that combines comprehensive life insurance protection with wealth accumulation opportunities. This innovative product from Tokio Marine Life Insurance Singapore Ltd. provides a high watermark Locked-in guarantee benefit upon death, ensuring maximum protection for your loved ones. With TM goElite Secure, you can enjoy the luxury of financial security while building wealth for your desired lifestyle. Whether you're looking to safeguard your family's future or grow your investments, this top-drawer option offers a decisive advantage in achieving your financial goals.

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How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) combine life insurance protection with investment opportunities, offering a unique approach to financial planning. In an ILP, your premium is allocated between insurance coverage and investment funds. The investment portion is used to purchase units in your chosen funds, which can include a mix of equity, balanced, and fixed income options. These funds are professionally managed and offer varying levels of risk and potential returns. The value of your policy fluctuates based on the performance of the underlying funds, allowing you to potentially benefit from market growth while maintaining life insurance protection. ILPs also offer flexibility, allowing you to adjust your coverage and investment strategy as your needs change over time.

TM goElite Secure Insurance Coverage

TM goElite Secure offers robust insurance coverage to protect you and your loved ones. The policy includes key benefits designed to provide financial security in various scenarios. Let's explore the main components of the insurance coverage provided by TM goElite Secure:

High Watermark Death Benefit

TM goElite Secure provides a unique high watermark Locked-in guarantee benefit upon death. This feature ensures that your beneficiaries receive the highest monthly value recorded throughout the policy, protecting against market downturns and maximizing the death benefit.

No Medical Underwriting

One of the advantages of TM goElite Secure is that it requires no medical underwriting. This simplifies the application process and ensures that you can obtain coverage without the need for medical examinations or extensive health questionnaires.

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TM goElite Secure Investment Component

TM goElite Secure offers a robust investment component designed to help you grow your wealth over time. With 100% of your single premium invested in funds, you have the opportunity to make your money work harder for you. Let's explore the key features of the investment component:

Diverse Fund Options

TM goElite Secure provides access to a suite of best-in-class funds, allowing you to diversify your investments across various asset classes and risk levels. While specific fund details are not provided, you can typically choose from equity, balanced, and fixed income options to suit your risk appetite and financial goals.

Professional Management

The funds available through TM goElite Secure are professionally managed by experienced investment teams. These experts employ various strategies to optimize returns while managing risk, aiming to deliver consistent long-term performance for policyholders.

Flexible Fund Switching

TM goElite Secure offers the flexibility to switch between funds as your investment needs change. This feature allows you to adjust your portfolio allocation in response to market conditions or changes in your risk tolerance, helping you maintain an optimal investment strategy over time.

Performance Tracking

While specific historical returns are not provided, TM goElite Secure allows you to monitor the performance of your chosen funds. Regular updates and reports help you stay informed about your investment's progress and make informed decisions about your portfolio allocation.

Fees and Charges

Understanding the fees and charges associated with TM goElite Secure is essential for making an informed decision. While specific details are not provided in the product information, it's important to be aware of the typical charges associated with Investment-Linked Policies. Here's an overview of the common fees you may encounter:

Premium Allocation

TM goElite Secure invests 100% of your single premium into funds, which is a favorable feature. This means there is no premium allocation charge, allowing your entire investment to start working for you immediately.

Policy Administration

While not explicitly mentioned, most ILPs have a policy administration charge to cover the cost of maintaining and servicing your policy. This fee is typically deducted monthly from your policy value.

Fund Management

Each fund within TM goElite Secure likely carries a fund management charge. This fee compensates the investment managers for their expertise in managing the fund's assets and is usually expressed as a percentage of the fund's value.

Surrender Charges

If you choose to surrender your policy early, there may be surrender charges applied. However, TM goElite Secure offers penalty-free partial withdrawals, which suggests flexibility in accessing your funds without incurring additional fees.

Flexibility and Customization

TM goElite Secure stands out for its high degree of flexibility and customization options. These features allow you to adapt your policy to changing financial needs and market conditions. Here's an overview of the key flexibility and customization options available:

Flexible Top-ups

TM goElite Secure offers the flexibility to make top-ups to your policy. You can choose to do one-time top-ups or set up recurring single premiums, allowing you to increase your investment and potentially enhance your returns over time.

Penalty-Free Withdrawals

The policy allows for partial withdrawals without penalties. This feature provides you with the flexibility to access your funds when needed, whether for unexpected expenses or planned financial goals.

Multiple Currencies

TM goElite Secure offers the unique advantage of choosing from up to 5 currencies: SGD, AUD, GBP, USD, and EUR. This multi-currency option allows you to align your policy with your specific financial planning needs and currency preferences.

Adjustable Coverage

The policy provides the flexibility to adjust your coverage as your needs change. You can also enroll up to 4 life assureds, ensuring comprehensive protection for your loved ones. Additionally, you have the option to change the life assured, offering further customization to your policy.

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Conclusion

TM goElite Secure offers a compelling combination of protection, wealth accumulation, and flexibility that can benefit various types of customers. It's particularly well-suited for individuals looking for a single premium investment with high protection benefits, such as high-net-worth individuals seeking to optimize their wealth transfer strategies. The product also appeals to those who value currency flexibility and the ability to adjust their coverage over time. Lastly, it's an attractive option for investors who want to capitalize on market growth potential while maintaining a safety net through the high watermark Locked-in guarantee.
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