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Investment Linked Plan

TM Harvest Pro: 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 Pro, 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 Pro 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 Pro, 100% of your regular premium is invested into investment fund(s) of your choice, providing potential for wealth accumulation. The policy value fluctuates based on the performance of the chosen funds, which can range from conservative fixed income options to more aggressive equity-based selections. This structure allows you to tailor your investment strategy to your risk tolerance and financial goals. Additionally, ILPs like TM Harvest Pro offer flexibility in premium payments, fund switching, and partial withdrawals, enabling you to adapt your policy as your needs change over time.

TM Harvest Pro Insurance Coverage

TM Harvest Pro offers comprehensive insurance coverage to protect you and your loved ones. The policy includes benefits for various life events, ensuring financial security in challenging times. Let's explore the key insurance components of this innovative product:

Death Benefit Protection

TM Harvest Pro provides a death benefit to protect your beneficiaries. In the event of the life assured's passing, the policy pays out the higher of the sum assured or the policy value, ensuring financial support for your loved ones.

TPD Coverage

The policy includes Total and Permanent Disability (TPD) coverage. If the life assured becomes totally and permanently disabled, the policy provides financial support to help manage the challenges associated with this life-changing event.

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TM Harvest Pro Rider Options

TM Harvest Pro 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. While the product details don't specify the exact riders available, it's mentioned that no medical underwriting is required for these optional add-ons, making it convenient to boost your protection.

TM Harvest Pro Investment Component

TM Harvest Pro offers a robust investment component designed to help you grow your wealth over time. With a wide array of investment options and flexible features, this product allows you to tailor your investment strategy to your financial goals and risk tolerance. Let's explore the key aspects of the investment component:

Diverse Fund Options

TM Harvest Pro provides access to a wide array of best-in-class curated investment funds for diversification. These include dividend-paying funds that can generate passive income or be reinvested to enhance your wealth portfolio.

Investment Strategies

The product offers flexibility in investment strategies, allowing you to choose funds that align with your risk profile and financial objectives. You can opt for more conservative fixed income funds or more aggressive equity-based options.

Fund Switching

TM Harvest Pro offers unlimited fund switches, allowing you to adjust your investment allocation as market conditions or your personal circumstances change. This flexibility enables you to optimize your investment strategy over time.

Performance Bonuses

The product features a unique Performance Investment Bonus, available from as early as Year 4 to Year 10. This bonus rewards investment success and can significantly boost your policy value over time.

Fees and Charges

Understanding the fees and charges associated with TM Harvest Pro is crucial for making an informed decision. While the product details don't provide specific percentages or amounts for these charges, it's important to note that TM Harvest Pro aims to optimize your policy value by limiting policy investment charges. Here's an overview of the typical fee structure for such products:

Premium Allocation

TM Harvest Pro invests 100% of your regular premium into the investment fund(s) of your choice. This approach maximizes the amount of your premium that goes towards potential growth.

Policy Administration

There may be a policy administration charge to cover the cost of maintaining and servicing your policy. The exact amount is not specified in the provided information.

Fund Management

Fund management charges are typically applied to cover the costs of managing the underlying investment funds. TM Harvest Pro aims to limit these charges to optimize your policy value.

Surrender Charges

Early termination of the policy may incur surrender charges. It's important to note that surrender values may be zero or less than the total premiums paid, especially in the early years of the policy.

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Flexibility and Customization

TM Harvest Pro offers a range of flexible features that allow you to customize your policy to suit your changing needs and financial circumstances. These options provide you with greater control over your investment and insurance coverage throughout your policy term. Let's explore the key flexibility features:

Premium Top-ups

TM Harvest Pro allows for unlimited top-ups, enabling you to invest additional funds when you have extra capital. This feature can help boost your investment growth potential over time.

Partial Withdrawals

The policy offers the flexibility to make partial withdrawals, allowing you to access your funds when needed. This feature provides financial liquidity while keeping your policy in force.

Premium Holiday

While not explicitly mentioned in the product details, many ILPs offer a premium holiday option. This feature typically allows you to temporarily pause premium payments during financial constraints.

Adjustable Coverage

TM Harvest Pro allows you to adjust your insurance coverage over time. You can enroll up to 4 life assureds, providing flexibility in protecting multiple family members under a single policy.

Conclusion

TM Harvest Pro offers a compelling solution for individuals seeking a balance between life insurance protection and investment growth potential. This product may be particularly suitable for: