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Investment Linked Plan

TM goLuxe: Shaping Your Luxury and Financial Future

In today's dynamic financial landscape, securing your future while enjoying life's luxuries is a delicate balance. Enter TM goLuxe, a revolutionary regular premium investment-linked plan designed to help you achieve your wealth-building potential. This innovative product from Tokio Marine Life Insurance Singapore Ltd. offers a unique blend of protection and investment opportunities, allowing you to shape your luxury as you desire. With TM goLuxe, you can explore flexible and advantageous paths toward your envisioned high life while ensuring financial security for you and your loved ones. Let's delve into the features that make TM goLuxe a standout choice for those seeking to combine protection, wealth accumulation, and financial flexibility.

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How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) offer a unique combination of life insurance protection and investment opportunities. With TM goLuxe, your premiums are allocated between insurance coverage and investment funds. The investment component allows you to choose from a range of fund options with varying risk levels, tailored to your financial goals and risk appetite. Unlike traditional life insurance, ILPs provide the flexibility to adjust your coverage and investment strategy over time. TM goLuxe stands out by investing 100% of your regular premium into your chosen funds, maximizing your potential for wealth accumulation. This structure allows you to potentially benefit from market growth while maintaining essential life insurance protection.

TM goLuxe Insurance Coverage

TM goLuxe offers comprehensive insurance coverage to protect you and your loved ones against life's uncertainties. The plan provides essential protection benefits, ensuring financial security for your family in case of unexpected events. Let's explore the key coverage components of TM goLuxe:

Advanced Death Benefit

TM goLuxe provides an Advanced Death Benefit to protect your loved ones in case of unexpected events. This benefit ensures that your family receives financial support when they need it most, helping them maintain their lifestyle and meet ongoing financial obligations.

No Medical Underwriting

One of the standout features of TM goLuxe is that it requires no medical underwriting. This means you can secure coverage quickly and easily, without the need for extensive medical examinations or paperwork.

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TM goLuxe Rider Options

TM goLuxe offers optional riders to enhance your coverage and provide additional financial protection. These riders can be added to your base policy to customize your insurance plan according to your specific needs. While the product details don't specify the exact riders available, it's mentioned that these optional riders can enhance coverage with waived future premiums in case of unfortunate events. This feature ensures that your policy remains in force and continues to provide protection even if you're unable to pay premiums due to unforeseen circumstances.

TM goLuxe Investment Component

TM goLuxe offers a robust investment component designed to help you build wealth over the medium to long term. With 100% of your regular premium invested into funds, you have the potential to maximize your gains and achieve your financial goals. Let's explore the key features of the investment component:

Wide Range of Funds

TM goLuxe provides access to a wide range of specially curated, best-in-class funds. This allows you to diversify your investments and tailor your portfolio to your risk tolerance and financial objectives.

Fund Switching Options

The plan offers fund-switching options, allowing you to adjust your investment strategy as market conditions change or your financial goals evolve. This flexibility helps you optimize your policy value and wealth-building potential.

Dividend Payouts

TM goLuxe allows you to collect dividend payouts from your investments, providing an opportunity to build an additional income stream. This feature can be particularly beneficial for those looking to supplement their regular income.

Attractive Bonuses

The plan offers several bonuses to reward your commitment to wealth accumulation. These include an Initial Bonus of up to 37.5% for the first 3 years, a Yearly Loyalty Bonus of up to 0.5% from the 4th Policy Year onwards, and an Achievement Bonus of up to 15% of the Accumulation Units Account value in eligible policy years.

Fees and Charges

While the product details provided don't specify the exact fees and charges associated with TM goLuxe, it's important to note that investment-linked policies typically involve various fees. These may include premium allocation charges, policy administration charges, fund management fees, and surrender charges. For precise information on the fees and charges applicable to TM goLuxe, it's recommended to consult the Product Summary or speak with a Tokio Marine Representative.

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Flexibility and Customization

TM goLuxe offers a high degree of flexibility and customization options, allowing you to tailor the policy to your changing needs and financial circumstances. Here are some key features that provide financial flexibility:

Multiple Currency Options

TM goLuxe allows you to choose from 5 currencies: SGD, AUD, GBP, USD & EUR. This flexibility enables you to align your policy with your preferred currency or diversify your investments across different currencies.

Partial Withdrawals

The plan allows for partial withdrawals when you need funds, providing financial peace of mind. This feature ensures that you have access to your money when unexpected expenses arise or when you need additional liquidity.

Premium Top-ups

You can boost your investment growth with a recurring single premium or premium top-up. This option allows you to inject additional funds into your policy when you have extra cash, potentially enhancing your returns.

Multiple Life Assureds

TM goLuxe allows you to enrol up to 4 life assureds, extending protection to your loved ones. This feature makes it possible to create a comprehensive family protection plan under a single policy.

Conclusion

TM goLuxe offers a compelling combination of protection, investment, and flexibility that can appeal to various types of customers. It's particularly well-suited for individuals who are looking to build wealth over the medium to long term while maintaining life insurance coverage. This product could be an excellent fit for:
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