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Investment Linked Plan

TM goTreasures: Unlocking Wealth and Protection for Your Future

In today's dynamic financial landscape, finding the right balance between wealth accumulation and protection is crucial. Enter TM goTreasures, an innovative investment-linked plan (ILP) that offers a unique combination of wealth-building opportunities and financial security. This versatile product from Tokio Marine Life Insurance Singapore Ltd. is designed to help you maximize your long-term earning potential while providing essential protection against life's uncertainties. With its flexible features and diverse investment options, TM goTreasures empowers you to take control of your financial future and unlock a world of possibilities.

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How Investment-Linked Plans (ILPs) Work

Investment-Linked Plans (ILPs) combine life insurance coverage with investment opportunities, offering a unique approach to financial planning. In an ILP like TM goTreasures, your premiums are allocated between insurance protection and investment components. A significant portion of your premiums, often 100%, is invested in a range of funds chosen by you. These funds can include equity, balanced, or fixed income options, each with different risk levels and potential returns. The value of your policy fluctuates based on the performance of your chosen funds, allowing you to potentially grow your wealth over time. Meanwhile, the insurance component provides protection against unforeseen events, ensuring a safety net for you and your loved ones.

TM goTreasures Insurance Coverage

TM goTreasures offers comprehensive insurance coverage to protect you and your loved ones from life's uncertainties. This investment-linked plan provides essential financial protection in the event of death or total and permanent disability, ensuring that your family's future remains secure. Let's explore the key aspects of the insurance coverage provided by TM goTreasures:

Death Benefit

Financial security for beneficiaries. In the event of the insured's death, TM goTreasures pays out the higher of the sum assured or the policy value, ensuring your loved ones are financially protected.

TPD Coverage

Protection against disability. If the insured suffers total and permanent disability before age 70, the policy pays out the higher of the sum assured or the policy value, providing crucial financial support during challenging times.

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TM goTreasures Rider Options

TM goTreasures offers a range of rider options to enhance your insurance coverage and tailor it to your specific needs. These riders provide additional protection and benefits, allowing you to customize your policy for comprehensive financial security. While the product details provided don't specify particular riders, it's common for investment-linked plans to offer riders such as critical illness coverage, hospital income benefits, or additional accident protection. To get detailed information about the available riders and their benefits, it's recommended to consult with a Tokio Marine representative or refer to the product summary.

TM goTreasures Investment Component

TM goTreasures offers a robust investment component designed to help you grow your wealth over time. With a range of fund options and flexible features, this plan allows you to tailor your investment strategy to your financial goals and risk tolerance. Here's an overview of the key aspects of the investment component:

Diverse Fund Options

Multiple investment choices. TM goTreasures likely offers a variety of funds, including equity, balanced, and fixed income options, allowing you to diversify your investments based on your risk appetite and financial objectives.

Professional Management

Expert fund oversight. While specific details aren't provided, ILPs typically feature professionally managed funds, ensuring your investments benefit from expert strategies and market insights.

Fund Switching Flexibility

Adapt to market changes. TM goTreasures allows you to switch between funds, enabling you to adjust your investment strategy in response to market conditions or changing financial goals.

Performance Tracking

Monitor your investments. While historical returns aren't specified, ILPs typically provide regular updates on fund performance, allowing you to track and evaluate your investment growth over time.

Fees and Charges

Understanding the fees and charges associated with TM goTreasures is crucial for making an informed decision about your investment. While the product details provided don't specify exact figures, it's important to be aware of the typical charges associated with investment-linked plans. Here's an overview of the common fees you might encounter:

Premium Allocation

Investment distribution. A portion of your premium is allocated to investments. TM goTreasures boasts that 100% of paid premiums are invested in funds, maximizing your investment potential.

Policy Administration

Ongoing management fees. There may be charges for administering your policy, covering operational costs and services provided by Tokio Marine.

Fund Management

Investment oversight costs. Each fund typically incurs management charges, which are deducted from the fund's value to cover professional management and operational expenses.

Surrender Charges

Early termination fees. If you choose to surrender your policy early, there may be charges applied. These typically decrease over time and eventually disappear after a certain period.

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Flexibility and Customization

TM goTreasures stands out for its exceptional flexibility, allowing you to adapt your policy to changing financial circumstances and life events. This adaptability ensures that your insurance and investment strategy remains aligned with your evolving needs. Here are some key features that demonstrate the plan's flexibility:

Premium Top-ups

Boost your investments. TM goTreasures allows you to make additional premium top-ups, providing an opportunity to increase your policy value and potentially enhance your returns.

Partial Withdrawals

Access funds when needed. The plan offers the privilege of partial withdrawals with zero charges, allowing you to access your funds for unexpected expenses or opportunities.

Premium Holiday

Temporary payment pause. After the first 24 months, you can take unlimited premium holidays, providing financial flexibility during challenging times without compromising your coverage.

Adjustable Coverage

Tailor your protection. TM goTreasures allows you to change the Life Assured according to your needs, ensuring your policy evolves with your family circumstances.

Conclusion

TM goTreasures offers a compelling solution for individuals seeking a balance between wealth accumulation and life protection. This versatile investment-linked plan is particularly well-suited for:
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