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Investment Linked Plan

TM goInvest Secure: Navigating Wealth Creation with Investment-Linked Insurance

In today's dynamic financial landscape, finding the right balance between wealth accumulation and protection is crucial. TM goInvest Secure, an innovative investment-linked insurance plan (ILP) from Tokio Marine Life Insurance Singapore, offers a unique solution to this challenge. This product combines the benefits of life insurance with the potential for significant wealth growth, allowing you to ride the currents of financial markets while ensuring a safety net for your loved ones. With features like high watermark protection, flexible investment options, and attractive bonuses, TM goInvest Secure aims to be your compass in navigating the seas of wealth creation and financial security.

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How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) are a unique financial product that combines life insurance coverage with investment opportunities. In an ILP, your premium is split between providing life insurance protection and investing in a range of funds. With TM goInvest Secure, 100% of your paid premiums go towards investments, maximizing your potential for wealth accumulation. You have the flexibility to choose from a suite of best-in-class funds, allowing you to tailor your investment strategy to your risk tolerance and financial goals. These funds can range from conservative fixed-income options to more aggressive equity-based choices, giving you control over your investment journey while maintaining the safety net of life insurance coverage.

TM goInvest Secure Insurance Coverage

TM goInvest Secure offers comprehensive protection to ensure your financial security and that of your loved ones. The policy provides coverage for two critical areas: death benefit and total and permanent disability (TPD) benefit. These benefits are designed to provide a financial safety net in the face of life's uncertainties, giving you peace of mind as you focus on growing your wealth.

Death Benefit

In the event of the insured's untimely death, TM goInvest Secure provides a death benefit. This benefit is equal to the higher of the policy value or the Locked-in Policy Value, ensuring your beneficiaries receive maximum protection even during market downturns.

TPD Benefit

If the insured suffers from total and permanent disability, the policy pays out a benefit. This benefit helps to provide financial support during a challenging time, helping to cover medical expenses and loss of income.

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TM goInvest Secure Rider Options

TM goInvest Secure offers the flexibility to enhance your coverage through additional riders. These riders 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 common for ILPs to offer riders such as critical illness coverage, hospital income benefit, or additional accident coverage. To get detailed information about the available riders and how they can complement your TM goInvest Secure policy, it's recommended to speak with a Tokio Marine representative.

TM goInvest Secure Investment Component

The investment component of TM goInvest Secure is designed to offer you diverse opportunities for wealth accumulation. With 100% of your paid premiums going towards investments, you have the potential to maximize your returns. The policy provides access to a range of funds and offers flexibility in managing your investments.

Fund Options

TM goInvest Secure offers a suite of best-in-class funds for you to choose from. These likely include a mix of equity, balanced, and fixed income funds to suit different risk appetites and investment goals.

Investment Strategies

The policy allows you to capitalize on various investment strategies. This includes the option to invest in dividend-paying funds, creating new income-building opportunities as part of your overall wealth accumulation plan.

Fund Switching

TM goInvest Secure provides the flexibility to switch between funds. This allows you to adjust your investment strategy in response to changing market conditions or personal circumstances.

Performance

While past performance is not indicative of future results, TM goInvest Secure aims to provide competitive returns. The policy offers high Loyalty and Additional Bonuses of up to 1.8% p.a., enhancing your potential for wealth accumulation.

Fees and Charges

Understanding the fees and charges associated with TM goInvest Secure is crucial for making an informed decision. While the product details don't provide specific figures for these charges, it's important to be aware of the typical fee structure in ILPs. These charges can impact your overall returns, so it's advisable to discuss them in detail with a Tokio Marine representative.

Premium Allocation

TM goInvest Secure states that 100% of paid premiums go towards investments. This suggests there may be no or minimal premium allocation charge, which is a positive feature for wealth accumulation.

Policy Administration

There may be a policy administration charge to cover the cost of maintaining and servicing your policy. The exact amount should be clarified with a Tokio Marine representative.

Fund Management

Each fund within the policy will likely have its own fund management charge. These charges cover the cost of managing the underlying investments and can vary between funds.

Surrender Charge

If you choose to surrender your policy early, there may be a surrender charge. The product details mention that early termination can involve high costs, so it's important to understand these potential charges.

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Flexibility and Customization

TM goInvest Secure offers a range of features that provide flexibility and allow you to customize your policy to your changing needs. These options can help you adapt your policy as your financial situation evolves over time.

Premium Top-ups

The policy allows for a one-time plan top-up, giving you the opportunity to amplify your policy value when you have additional funds to invest.

Partial Withdrawals

TM goInvest Secure offers the flexibility to make regular withdrawals as needed. This feature can help reinforce your income when necessary.

Premium Holiday

You can enjoy unlimited premium holidays when the need arises. This feature provides financial flexibility during times when you may struggle to pay premiums.

Adjustable Coverage

The policy allows you to change the Life Assured as you reach family milestones. You can also transfer your policy to your children, enabling you to leave behind a lasting legacy.

Conclusion

TM goInvest Secure offers a compelling blend of wealth accumulation potential and life insurance protection. This product may be particularly suitable for individuals looking for long-term wealth growth with the added security of life coverage. It could be an excellent fit for young professionals starting their wealth-building journey, parents planning for their children's future, or individuals seeking a flexible investment vehicle with built-in protection.
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