What is TM Legacy Lifetime?

It is a limited pay, participating whole life plan with a Guaranteed Benefit1 (GB)  which provides an immediate high coverage against:

  • Death
  • Total and Permanent Disability2 (TPD)
  • Terminal Illness (TI)

Premium Payment Term available: 5, 10, 15, 20 or 25 years

Note:
1 GB is applicable for lifetime.
2 TPD Benefit is provided until the policy anniversary on which the life assured is age 70 next birthday.

Why is it important to you?

It ensures a secured legacy for your loved ones, with:

  • immediate insurance cover up to 2.5 times the sum assured for a  lifetime
  • potential growth in policy values
  • Reversionary bonuses become guaranteed once added to your policy, to enhance the value of your plan
  • optional Dread Disease cover at guaranteed1 premium rates
Note:
1 Applicable for TM Legacy Lifetime, TPD Rider and DD Accelerator Rider only.

This is suitable if you want

  • A whole life plan providing high guaranteed coverage without a lifetime of premium commitment
  • Income replacement solutions via a whole life policy
  • Legacy planning
     

This is not suitable if you want

  • A pure protection plan without any cash value
  • Immediate or high cash value in the early years
  • Regular access to your funds 

Key coverage

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

Additional riders to enhance your protection

  • Dread Disease Rider
    Additional payout upon diagnosis of any of the covered Dread Disease
  • Dread Disease Accelerator Rider
    Accelerates a percentage of the death benefit payout of the basic plan upon diagnosis of any of the covered Dread Disease
  • EarlyCare Rider
    Provides benefit payout in the event of medical conditions or procedures arising from different stages of Dread Disease and other illnesses. This may be an additional benefit or an acceleration of the death benefit from your basic plan
  • Enhanced AssuredCare, (Enhanced) Payer Benefit & (Enhanced) Spouse Rider
    Future premiums will be waived in the event of Death, Total and Permanent Disability and/or upon diagnosis of any of the covered Dread Disease
  • Family Expenses & Enhanced IncomeCare Rider
    Monthly benefit payout upon Death, Total and Permanent Disability and/or upon diagnosis of any of the covered Dread Disease. 
  • Term & Enhanced CrisisAssurance Rider
    An additional benefit payout in the event of Death, Total and Permanent Disability and/or upon diagnosis of any of the covered Dread Diseases
All ages mentioned in this website are based on age next birthday.
All benefits and features mentioned herein are subject to terms and conditions of the policy. You must refer to the Policy Contract for the precise terms and conditions of this insurance plan.

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Important information

This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd. All benefits and features mentioned herein are subject to terms and conditions of the policy. You must refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown in this marketing material is for reference only and is accurate as at 17 October 2013.

Note: Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs, and the surrender value payable may be less than the total premiums paid. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.