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Investment Linked Plan

TM Wealth Pro: Empowering Your Financial Future with Innovative Investment-Linked Insurance

In today's dynamic financial landscape, securing your future while maximizing investment potential is paramount. TM Wealth Pro, an innovative investment-linked insurance plan by Tokio Marine Life Insurance Singapore, offers a unique solution to this challenge. This product combines the benefits of life insurance protection with the growth potential of investment funds, providing a comprehensive approach to wealth management. TM Wealth Pro stands out with its flexible features, attractive bonus structures, and commitment to optimizing your policy value over time. Whether you're looking to build wealth, create a passive income stream, or leave a lasting legacy, TM Wealth Pro is designed to adapt to your evolving financial needs and aspirations.

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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 Wealth Pro, 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 life insurance coverage, typically offering a death benefit that's higher than the policy value. You have the flexibility to choose from a range of funds with varying risk levels, from conservative fixed income options to more aggressive equity funds. This allows you to tailor your investment strategy to your risk tolerance and financial goals. As the policyholder, you bear the investment risks and rewards, with the potential for higher returns compared to traditional life insurance policies, but also the possibility of losses if investments underperform.

TM Wealth Pro Insurance Coverage

TM Wealth Pro 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. These features ensure that your family is protected financially in the event of unforeseen circumstances, allowing you to invest with peace of mind.

Death Benefit Protection

TM Wealth Pro provides a death benefit to protect your loved ones. The Advanced Death Benefit feature offers additional protection during the Minimum Investment Period, safeguarding against market downturns and providing a capital guarantee.

TPD Coverage

The policy includes Total and Permanent Disability (TPD) coverage. This benefit ensures financial support if you become totally and permanently disabled, helping to maintain your quality of life and financial stability during challenging times.

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TM Wealth Pro Rider Options

TM Wealth Pro offers optional riders to enhance your protection and provide additional peace of mind. These riders are designed to complement the base policy and address specific needs or concerns you may have. By adding these riders, you can create a more comprehensive insurance package tailored to your individual circumstances.

Enhanced Protection Riders

TM Wealth Pro allows you to add optional riders to enhance your protection. These riders can provide additional coverage for specific events or conditions, allowing you to customize your policy to better suit your needs and concerns.

Unemployment and Hospitalization Benefit

This unique benefit offers flexibility during challenging times. It allows for penalty-free partial withdrawals and the option to take a break from premium payments if you face involuntary unemployment or hospitalization, providing financial relief when you need it most.

TM Wealth Pro Investment Component

The investment component of TM Wealth Pro is designed to offer flexibility and potential for growth. With a wide range of funds to choose from and the ability to adjust your investment strategy over time, this policy allows you to tailor your investments to your changing financial goals and risk tolerance. The investment features of TM Wealth Pro are structured to maximize your potential returns while providing the tools to manage your investment actively.

Diverse Fund Options

TM Wealth Pro offers a wide array of best-in-class curated investment funds. These include equity, balanced, and fixed income options, as well as dividend-paying funds for those seeking passive income or reinvestment opportunities.

Expert Fund Management

The funds are managed by experienced professionals who employ various investment strategies to optimize returns. This expert management aims to navigate market conditions and capitalize on investment opportunities across different asset classes and regions.

Flexible Fund Switching

TM Wealth Pro allows unlimited fund switches, enabling you to adjust your investment allocation as market conditions or personal circumstances change. This flexibility helps you maintain an investment strategy aligned with your evolving financial goals.

Performance Tracking

While specific historical returns are not provided, TM Wealth Pro emphasizes optimizing policy value over time. The unique Performance Investment Bonus, available from as early as Year 4, rewards investment success, indicating a focus on fund performance and growth.

Fees and Charges

Understanding the fees and charges associated with TM Wealth Pro is crucial for making an informed decision. These charges are designed to cover the costs of insurance protection, policy administration, and fund management. TM Wealth Pro aims to optimize your policy value by limiting certain charges and offering unique bonuses to enhance your investment growth.

Premium Allocation

TM Wealth Pro invests 100% of your regular premium into your chosen investment funds. This full allocation ensures that your entire premium contributes to potential investment growth from the start.

Administration Fees

While specific details are not provided, TM Wealth Pro emphasizes lowering overall net charges to maximize policy value. This approach suggests competitive administration fees compared to other investment-linked products.

Fund Management Charges

TM Wealth Pro limits policy investment charges to optimize your policy value. This capping of charges aims to ensure that a larger portion of your investment grows over time, potentially leading to better returns.

Surrender Charges

While specific surrender charge details are not provided, it's important to note that early termination of the policy may involve high costs. The surrender value, if any, may be zero or less than the total premiums paid, emphasizing the long-term nature of this investment.

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Flexibility and Customization

TM Wealth Pro offers a high degree of flexibility and customization, allowing you to adapt your policy to changing life circumstances and financial goals. These features enable you to manage your investment and insurance coverage actively, ensuring that your policy continues to meet your needs throughout different life stages.

Additional Investments

TM Wealth Pro allows for unlimited top-ups, giving you the flexibility to increase your investment when you have extra funds available. This feature enables you to capitalize on market opportunities or accelerate your wealth accumulation goals.

Withdrawal Options

The policy offers the flexibility of partial withdrawals, allowing you to access your funds when needed. This feature provides financial liquidity while maintaining your long-term investment strategy.

Premium Flexibility

TM Wealth Pro includes a premium holiday option, allowing you to pause premium payments during challenging financial times. This feature helps maintain your policy even when you face temporary financial constraints.

Coverage Adjustments

While specific details on adjusting insurance coverage are not provided, TM Wealth Pro emphasizes its ability to adapt to evolving needs across life stages. This suggests some level of flexibility in adjusting your insurance coverage as your protection needs change over time.

Conclusion


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