What is TM Wealth Enhancer?

It is a single premium whole life investment-linked insurance plan that offers potential growth to your wealth, while providing insurance coverage.

  • At least 102.2%1 of your single premium will be invested in selected investment-linked funds, depending on your choice of source of fund.
  • You have flexibility to:
    • make top-ups2 at any time after policy inception
    • switch funds and make withdrawals to suit market conditions and your needs
  • Death coverageis included
  • Guaranteed acceptance (no medical underwriting is required)
  • Available exclusively for CPFIS4,5,6 investment
 
Note:
1 The bid-offer spread of 5% applies.
2 For any top-up (ad-hoc or regular), the source of fund for the top-up premium must always be the same as the source of fund for TM Wealth Enhancer. The minimum ad-hoc top-up amount is S$1,200 while the minimum regular top-up amount for monthly and quarterly are S$300, semi-annually is S$600 and annually is S$1,200.
3 The death benefit is determined by the sum of 105% of the value of single premium units and 100% of the value of top-up premium units.
4 Available in Singapore dollars only.
5 CPFIS refers to both Central Provident Fund Investment Scheme - Ordinary Account and Central Provident Fund Investment Scheme - Special Account.
6 Available for age 19 and above.

Why is this important to you?

  • You enjoy a great deal of flexibility:
    • to make top-ups1 any time
    • to liquidate your policy immediately
    • to select funds with high potential to meet your risk appetite
    • Potential growth in the value of units
    • Available exclusively through CPFIS-OA/CPFIS-SA
       
  • Guaranteed acceptance (no medical underwriting required)
 
1 For any top-up (ad-hoc or regular), the source of fund for the top-up premium must always be the same as the source of fund for TM Wealth Enhancer.The minimum ad-hoc top-up amount is S$1,200 while the minimum regular top-up amount for monthly and quarterly are S$300, semi-annually is S$600 and annually is S$1,200.

This is suitable if you want

  • A one-time premium payment investment-linked insurance plan that provides immediate opportunities in investment-linked funds while enjoying minimal insurance protection on death

This is not suitable if you want

  • Guaranteed returns
  • Regular payouts during the policy term

Key coverage

  • Death
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 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. Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The value of the units may rise as well as fall. Past performance is not necessarily indicative of future performance and the performance of the ILP sub-fund(s) is non-guaranteed. A potential investor should read the Product Summary and Product Highlights Sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s). As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or 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 is for reference only and is correct as at 2 January 2018.

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