Get advice
Investment Linked Plan

TM goInvest: Navigating Wealth Creation with Investment-Linked Insurance

In today's dynamic financial landscape, finding the right balance between protection and wealth accumulation is crucial. TM goInvest, an innovative investment-linked insurance plan by Tokio Marine Life Insurance Singapore, offers a unique solution to this challenge. This product combines life insurance coverage with investment opportunities, allowing you to ride the currents of financial markets while ensuring a safety net for your loved ones. With its flexible features and potential for high returns, TM goInvest aims to be your compass in navigating the ocean of wealth creation opportunities. Let's dive deeper into what makes this product stand out in the world of financial planning.

Investment Growth Calculator

Visualize your investment's potential

  • Precise growth projections
  • Set realistic financial goals
  • Assess risks and rewards

How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) are a unique financial product that combines life insurance protection with investment opportunities. In an ILP like TM goInvest, your premium is split into two components: one part goes towards life insurance coverage, while the other is invested in a range of funds of your choice. TM goInvest stands out by allocating 100% of paid premiums towards investments, maximizing your potential for wealth accumulation. You have the flexibility to choose from a suite of best-in-class funds, each with different risk levels and investment strategies. This allows you to tailor your investment approach based on your risk appetite and financial goals, whether you're seeking aggressive growth or more conservative returns.

TM goInvest Insurance Coverage

TM goInvest offers comprehensive protection to ensure your peace of mind while you focus on wealth accumulation. The policy provides essential coverage for life's uncertainties, safeguarding your financial future and that of your loved ones. Let's explore the key aspects of the insurance coverage provided by TM goInvest:

Death Benefit

TM goInvest provides a death benefit to your beneficiaries in the event of your passing. This benefit ensures that your loved ones are financially protected, offering them a lump sum payment that can help cover expenses and maintain their lifestyle.

Total and Permanent Disability (TPD) Benefit

In case of total and permanent disability, TM goInvest offers financial support. This benefit helps you maintain financial stability during challenging times, providing a payout that can assist with medical expenses and lifestyle adjustments.

Fill in your details to get started

or

By filling this out, you agree to allow us to contact you about insurance related information.

Learn more

TM goInvest Rider Options

TM goInvest offers the flexibility to enhance your coverage through additional riders. These optional add-ons allow you to customize your policy to better suit your specific needs and circumstances. While the product details don't specify the exact riders available, it's mentioned that you have the option to boost your coverage by adding on your choice of riders. This flexibility ensures that you can tailor your protection to address your unique concerns and financial goals. To get more detailed information about the specific riders available and how they can complement your TM goInvest policy, it's recommended to speak with a Tokio Marine representative.

TM goInvest Investment Component

The investment component of TM goInvest is designed to help you capitalize on market opportunities and grow your wealth over time. With a range of fund options and flexible features, you can tailor your investment strategy to align with your financial goals and risk tolerance. Let's explore the key aspects of the investment component:

Fund Options

TM goInvest offers a suite of best-in-class funds for you to choose from. While specific fund types aren't detailed, it's likely that options include equity, balanced, and fixed income funds to cater to different risk appetites and investment objectives.

Investment Strategies

The product allows you to capitalize on various investment strategies. This includes the option to invest in dividend-paying funds, creating new income-building opportunities to supplement your wealth accumulation efforts.

Fund Switching

TM goInvest provides the flexibility to switch between funds. This feature allows you to adjust your investment allocation as market conditions change or as your financial goals evolve over time.

Performance Potential

While past performance doesn't guarantee future results, TM goInvest offers the potential for attractive returns. The product mentions high Loyalty and Additional Bonuses of up to 1.8% p.a., which can contribute to your overall investment performance.

Fees and Charges

Understanding the fees and charges associated with TM goInvest is crucial for making an informed decision. While the product details provided don't specify exact figures for these charges, it's important to be aware of the typical fee structure in investment-linked policies. Here's an overview of the common charges you might expect:

Premium Allocation

TM goInvest stands out by allocating 100% of paid premiums towards investments. This means there's no premium allocation charge, allowing your entire premium to work towards growing your wealth.

Policy Administration

There may be a policy administration charge to cover the cost of managing your policy. The exact amount isn't specified in the provided details, but this is typically a regular fee deducted from your policy value.

Fund Management

Each fund within TM goInvest likely carries a fund management charge. This fee covers the cost of professional fund management and is usually expressed as a percentage of the fund value.

Surrender Charges

If you choose to surrender your policy early, there may be surrender charges. The product details mention that early termination usually involves high costs, so it's important to consider TM goInvest as a long-term commitment.

Fill in your details to get started

or

By filling this out, you agree to allow us to contact you about insurance related information.

Learn more

1170+

Suggestions Facilitated

11+

Insurance Brands Represented

154+

MAS Licensed Advisors

Flexibility and Customization

TM goInvest offers a range of flexible features that allow you to adapt your policy to changing financial circumstances and life stages. These options provide you with the ability to optimize your policy's performance and ensure it continues to meet your evolving needs. Let's explore the key flexibility and customization features of TM goInvest:

Premium Top-ups

TM goInvest allows you to amplify your policy value through a one-time plan top-up. This feature enables you to inject additional funds into your investment when you have extra capital, potentially boosting your returns.

Partial Withdrawals

The policy offers the flexibility to make regular withdrawals as and when you need to reinforce your income. This feature provides a source of liquidity, allowing you to access your funds without fully surrendering your policy.

Premium Holiday

TM goInvest provides the unique benefit of unlimited premium holidays when the need arises. This feature allows you to temporarily pause premium payments during financial constraints without losing your coverage.

Adjustable Coverage

The policy allows you to change the life assured as you reach family milestones. Additionally, you have the option to transfer your policy to your children, enabling you to leave behind a lasting legacy.

Conclusion

TM goInvest offers a compelling solution for individuals seeking a balance between life insurance protection and investment opportunities. This product may be particularly suitable for:
? Sign up with Whatins to get matched with 5 different insurance advisors. This unique platform allows you to hear multiple perspectives and compare different policies, ensuring you make an informed decision. Plus, participate in our "Premiums On Us" campaign for a chance to have your quarterly insurance premiums paid by Whatins. Don't miss this opportunity to secure your financial future while potentially saving on premiums!