Investment Linked Plan

Tokio Marine goTreasuresSecure: Your Key to Unlocking Wealth and Protection

In today's fast-paced financial world, finding the right balance between wealth accumulation and protection can be challenging. Have you ever wondered how to maximize your long-term earning potential while staying protected against life's uncertainties ? If so, Tokio Marine's goTreasuresSecure might be the solution you've been searching for. Let's dive deep into this innovative wealth-building product and explore how it can help you secure your financial future.

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What is goTreasuresSecure?

goTreasuresSecure is a unique investment-linked insurance plan designed to help you build wealth over the medium to long term while providing essential life protection . It's not just another savings plan – it's a comprehensive wealth solution that offers flexibility, growth potential, and peace of mind.

Key Features That Make goTreasuresSecure Stand Out

Wealth Accumulation

  • Initial Bonus: Get rewarded with up to 186% bonus over the first 3 years

  • High Loyalty Bonus: Earn up to 1.2% per annum

  • 100% Investment: All of your paid premiums are invested in funds

  • Income Stream: Build your income through payouts from dividend-paying funds

  • Growth Potential: Boost your policy value through top-ups or fund switching

  • Flexibility: Change the Life Assured according to your needs

Financial Flexibility

  • Short Initial Contribution Period: Start with a manageable commitment

  • Multiple Currencies: Choose from up to 5 currencies

  • Flexible Premium Terms: Select from 10 to 30 years

  • Premium Holidays: Take unlimited breaks after the first 24 months

  • Zero-Charge Withdrawals: Access your money when you need it, without fees

Protection

  • Locked-in Policy Value: Preserve your wealth at its highest monthly policy value

  • No Medical Underwriting: Get covered without health checks

Why compare TM goTreasures with other Investment Linked Plan options through Whatins?

Traditional Approach

  • Limited to one company's fund options
  • Only hear about advisor's preferred funds
  • Single perspective on investment strategy

Whatins Advantage

  • Compare fund options across multiple insurers
  • Get different views on investment strategies
  • See how different advisors approach fund selection
  • Understand varied fee structures

How Does goTreasuresSecure Work?

Let's break down the key components of this plan:

Initial Bonus

Imagine starting your wealth journey with a significant boost. goTreasuresSecure offers an Initial Bonus of up to 186% over the first three years . This means your investment gets a head start, potentially accelerating your wealth accumulation from day one.

Loyalty Bonus

The plan rewards your commitment with a Loyalty Bonus. You'll earn 0.55% per annum from the end of policy years 4-10, and this increases to 1.05% or 1.2% per annum from policy year 11 onwards, depending on your chosen premium payment term.

100% Investment of Premiums

Every dollar of your premium goes straight into your chosen funds . This maximizes your investment potential, ensuring your money works as hard as possible for you.

Dividend-Paying Funds

You have the option to invest in funds that pay dividends, creating a potential income stream. You can choose to reinvest these dividends to compound your growth or withdraw them for extra cash flow.

Locked-in Policy Value

This unique feature protects your wealth against market volatility. The plan records the highest monthly policy value throughout your policy term and locks it in . This ensures that your protection amount remains at its peak, even if market conditions cause temporary dips in your policy value.

Financial Flexibility

Life is unpredictable, and goTreasuresSecure understands that. You can take premium holidays after the first 24 months, reduce your premiums temporarily, make one-time top-ups to boost your investment, switch between funds to capture market opportunities, and make partial or regular withdrawals without charges.

Legacy Planning

You can transfer your policy to your children, making it an effective tool for estate planning.

Real-Life Scenarios

The Young Professional

Sarah, 30, wants to start building wealth early. She chooses goTreasuresSecure with a 20-year premium term. The Initial Bonus gives her investment a boost, and she can take advantage of the long investment horizon to potentially maximize returns. If she needs to take a career break or faces unexpected expenses, she can use the premium holiday feature without jeopardizing her long-term goals.

The Family Planner

Mike, 40, wants to secure his family's future. He opts for goTreasuresSecure with a 15-year premium term. He appreciates the flexibility to add his wife and newborn as Lives Assured. As his children grow, he can make partial withdrawals to fund their education without incurring charges. The Locked-in Policy Value gives him peace of mind, knowing his family is protected even if the market dips.

The Pre-Retiree

Linda, 55, is looking to boost her retirement savings. She chooses goTreasuresSecure with a 10-year premium term. She invests in dividend-paying funds to create an additional income stream for her retirement years. The option to make top-ups allows her to invest her bonuses, potentially accelerating her wealth accumulation in the final stretch before retirement.

Pros and Cons

Pros

  • High Initial and Loyalty Bonuses

  • 100% of premiums invested

  • Flexibility in premium payments and withdrawals

  • Locked-in Policy Value for protection

  • No medical underwriting required

  • Multiple currency options

Cons

  • Market risks associated with investment-linked products

  • Potential for loss of principal amount invested

  • Performance of ILP sub-funds is non-guaranteed

  • Early termination may result in high costs and low surrender value

Frequently Asked Questions

Can I change my investment funds later?

Yes, goTreasuresSecure allows you to switch funds to adapt to market conditions or your changing needs.

What happens if I need to stop paying premiums temporarily?

After the first 24 months, you can take unlimited premium holidays when needed.

Is there a minimum investment amount?

You should check with a Tokio Marine Representative for the current minimum premium requirements.

How is the Locked-in Policy Value calculated?

It's based on the highest monthly policy value recorded throughout your policy term.

Can I withdraw money from my policy?

Yes, you can make partial or regular withdrawals without charges, subject to certain conditions.

Conclusion

goTreasuresSecure offers a unique combination of wealth accumulation potential and protection . Its flexibility allows you to adapt your investment strategy as your life circumstances change, while features like the Locked-in Policy Value provide a safety net against market volatility.

However, like all investment-linked products, it comes with risks. The value of your investment can fluctuate, and past performance doesn't guarantee future results. It's essential to carefully consider your financial goals, risk tolerance, and investment horizon before committing to this plan.

Remember, the best financial product is one that aligns with your specific needs and circumstances. While goTreasuresSecure offers attractive features, it's crucial to compare it with other options and seek professional advice before making a decision.

Ready to explore your wealth-building options further? Don't rely on just one perspective. Get expert insights tailored to your unique financial situation. Sign up now to receive 5 expert opinions on investment-linked insurance plans . These professionals will review your specific needs and provide personalized recommendations, helping you make the most informed decision possible.

By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best plan for your wealth-building journey. Don't leave your financial future to chance – get the expert advice you deserve today.

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