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Investment Linked Plan

TM Harvest Max: Cultivating Your Financial Future with Investment-Linked Insurance

In today's dynamic financial landscape, securing your future while growing your wealth has become increasingly important. TM Harvest Max, an innovative investment-linked insurance plan (ILP) from Tokio Marine Life Insurance Singapore, offers a unique solution to this challenge. This product combines life insurance protection with investment opportunities, allowing you to safeguard your loved ones while potentially enhancing your financial portfolio. With its flexible features and attractive bonuses, TM Harvest Max is designed to help you cultivate a prosperous financial future, adapting to your changing needs and goals over time.

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How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) offer a unique blend of life insurance protection and investment opportunities. With TM Harvest Max, 100% of your regular premium is invested into investment fund(s) of your choice, allowing you to potentially grow your wealth over time. The policy provides you with a range of fund options, each with different risk levels and investment strategies, catering to various financial goals and risk appetites. As the policyholder, you have the flexibility to allocate your premiums across different funds and switch between them as your needs change. The value of your policy is directly linked to the performance of the chosen funds, offering the potential for higher returns compared to traditional life insurance policies, albeit with associated investment risks.

TM Harvest Max Insurance Coverage

TM Harvest Max offers comprehensive insurance coverage to protect you and your loved ones. The policy provides financial security through its death benefit and total and permanent disability (TPD) benefit, ensuring that your family is taken care of in case of unforeseen circumstances. Let's explore these key coverage aspects in more detail:

Death Benefit

TM Harvest Max provides a death benefit to protect your loved ones financially in the event of your passing. The policy offers an Advanced Death Benefit during the Minimum Investment Period, which helps safeguard against market downturns and provides a capital guarantee for your beneficiaries.

TPD Benefit

In case of total and permanent disability, TM Harvest Max offers financial support to help you cope with the challenges that may arise. This benefit ensures that you have a financial safety net in place if you're unable to work due to a severe disability.

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TM Harvest Max Rider Options

TM Harvest Max offers optional riders to enhance your protection against unexpected circumstances. These riders can be added to your base policy to provide additional coverage tailored to your specific needs. It's worth noting that no medical underwriting is required for these riders, making it easier to boost your protection. While specific details about the riders are not provided in the given product information, it's common for ILPs to offer riders such as critical illness coverage, hospital income benefits, or accidental death and dismemberment protection.

TM Harvest Max Investment Component

TM Harvest Max offers a robust investment component designed to help you grow your wealth over time. With a wide array of best-in-class curated investment funds, including dividend-paying options, you have the flexibility to create a diversified portfolio aligned with your financial goals. Let's explore the key aspects of the investment component:

Fund Options

TM Harvest Max provides access to a wide range of investment funds, including dividend-paying funds. This allows you to diversify your portfolio and potentially generate passive income or reinvest dividends to enhance your wealth accumulation.

Investment Strategies

The plan offers flexibility in investment strategies, allowing you to adapt to changing market conditions and personal financial goals. You can choose from various funds with different risk profiles and investment objectives to create a portfolio that suits your needs.

Fund Switching

TM Harvest Max offers unlimited fund switches, allowing you to adjust your investment allocation as needed. This feature provides the flexibility to respond to market changes or shifts in your financial objectives without incurring additional costs.

Performance Bonuses

The plan introduces a first-in-the-market Performance Investment Bonus, which rewards investment success starting from as early as Year 4. This unique feature aims to boost your investment growth and optimize returns over time.

Fees and Charges

Understanding the fees and charges associated with TM Harvest Max is crucial for making an informed decision. While the product information doesn't provide specific details on charges, it's important to note that the plan aims to limit policy investment charges to optimize your policy value. Here are some common fee structures typically associated with ILPs:

Premium Allocation

TM Harvest Max invests 100% of your regular premium into the investment fund(s) of your choice. This approach ensures that your entire premium is working towards potential growth from the start.

Policy Administration

While specific details are not provided, ILPs typically include a policy administration charge to cover the cost of managing your policy. TM Harvest Max aims to lower overall net charges to maximize your policy value over time.

Fund Management

Each investment fund will have associated management fees. TM Harvest Max mentions capping investment charges, which may help to optimize your returns by limiting the impact of these fees on your policy value.

Surrender Charges

ILPs often include surrender charges if you terminate the policy early. While specific details are not provided for TM Harvest Max, it's important to consider potential surrender charges when evaluating the policy's flexibility.

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Flexibility and Customization

TM Harvest Max offers exceptional flexibility, allowing you to adapt your policy to changing financial needs and life stages. This adaptability is a key feature that sets it apart from traditional insurance products. Here are some of the flexible options available:

Premium Top-ups

TM Harvest Max allows for unlimited top-ups, giving you the option to invest additional funds when you have extra capital. This feature enables you to potentially boost your investment growth during favorable market conditions.

Partial Withdrawals

The plan offers the flexibility to make partial withdrawals from your policy value. This feature allows you to access funds when needed without fully surrendering your policy, providing financial liquidity when required.

Premium Holiday

While specific details are not provided, the product information suggests that you may have the option to pause premium payments if needed. This feature can be particularly helpful during temporary financial constraints.

Multiple Currencies

TM Harvest Max offers the choice of 5 currencies to invest in (SGD, USD, GBP, AUD, and EUR), allowing you to align your investments with your preferred currency exposure or financial goals.

Conclusion

TM Harvest Max offers a compelling solution for individuals seeking a balance between life insurance protection and investment growth potential. This product may be particularly suitable for:
to be matched with 5 different insurance advisors who can provide you with diverse perspectives on your insurance options. By hearing from multiple advisors, you'll be better equipped to make an informed decision about your financial future. Plus, you'll have the chance to participate in our "Premiums On Us" campaign, where you could win your quarterly insurance premiums paid by Whatins. Don't miss this opportunity to secure your future and potentially save on your insurance costs!