What is TM Term Assure?

It is a regular premium, non-participating term protection plan.

  • Provides coverage against 
    • Death
    • Total and Permanent Disability(TPD)1 and 
    • Terminal Illness (TI)
  • Policy Terms available:
    • Renewable and Convertible - 5 or 10 years
    • Level and Convertible - from 11 years up to age 85.
  • Conversion Privilege2 allows you to convert your plan into a regular premium whole life or endowment plan, up to the coverage amount of your policy.
  • Guaranteed Renewal Privilege3 allows you to renew your coverage term without any medical underwriting, even after your original coverage term has ended.
1 TPD Rider is a compulsory rider to TM Term Assure.
2 Conversion privilege must be exercised before age 60. Other terms and conditions apply. Refer to Product Summary for details.
3 Guaranteed renewal privilege is available for policy term of 5 or 10 years and the last renewal age is 80 and 75 years old respectively. Premiums at each renewal are non-guaranteed and are based on life assured's attained age. Other terms and conditions apply. Refer to Product Summary for details.
 

Why is this important to you?

  • To maintain your family's expenses when you are no longer around to take care of them.
  • Guaranteed Renewal Privilege gives you peace of mind that you will always be covered.
  • Conversion Privilege allows you to convert your term cover into a permanent cover.

This is suitable if you want

  • Protection on a limited budget as a young career starter and an opportunity to convert to a new plan subsequently.
  • Protection at low cost.
  • To enhance coverage but you have a limited budget.
  • To ensure uninterrupted success and continuity of your business in the event of loss of partner or staff.

This is not suitable if you want

  • A pure protection plan with savings element or investment returns.
  • A protection plan with cash values.

Key Coverage

  • Death
  • Total and Permanent Disability (TPD)
  • Terminal Illness (TI)

Additional riders to enhance your protection

  • Critical Illness (CI) Accelerator Rider
    Accelerates the death benefit of the basic plan, up to the rider’s sum assured upon the diagnosis of any of the covered CIs.
  • Waiver of Premium Rider & (Enhanced) Payer Benefit Rider
    Future premiums will be waived in the event of Death, Total and Permanent Disability and/or upon diagnosis of any of the covered CIs.
  • KidAssure GIO Rider
    Covers death, child-related illnesses and hospitalisation benefit. In addition, 80% of premiums paid will be refunded upon the rider’s maturity at age 19.
  • Protect 1 Lite Rider
    Pays out monthly benefits for 6 years upon the loss of ability to perform any one of the Activities of Daily Living (ADL).

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Important Information

All ages mentioned in this webpage are based on age next birthday.

This marketing information is not intended as an offer or recommendation to the purchase of any insurance plan. This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd. and is only available through our authorised distributors. Kindly obtain the required product disclosures and seek advice from a financial adviser before making a commitment to purchase this plan. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. It is also detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

For policies distributed in Singapore: This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Information shown in this marketing material is for reference only and is correct as at 22 March 2017.

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