DIRECT- TM Basic Whole Life

DIRECT- TM Basic Whole Life is a direct purchase insurance plan that can be purchased without seeking financial advice. It is a participating whole life plan which provides coverage against death, Total and Permanent Disability and Terminal Illness.

What is DIRECT- TM Basic Whole Life?

DIRECT- TM Basic Whole Life is a participating whole life protection plan which covers you against death, Total and Permanent Disability¹ (TPD) and Terminal Illness (TI).

Note:
¹DIRECT- TPD Rider is a compulsory rider to DIRECT- TM Basic Whole Life and the payment of the TPD benefit will reduce the sum assured of DIRECT- TM Basic Whole Life. The rider will expire at the policy anniversary on which the life assured is age 65.

Why is this important to you?

DIRECT- TM Basic Whole Life offers you:

Greater financial security

DIRECT- TM Basic Whole Life provides a lump sum payout² in the event of death, TPD and TI which will help your loved ones manage the financial burden if the unforeseen happens.

Enhance your protection

For greater peace of mind, you can choose to add the optional DIRECT- Critical Illness (CI) Accelerator Rider³ that covers a total of 30 CIs for life.

Choice of premium payment terms

DIRECT- TM Basic Whole Life offers a choice of premium payment terms of either up to age 70 or age 85 best suit your financial obligations and needs.

Note:
² Lump sum payout comprises of the basic sum assured plus a non-guaranteed terminal dividend (if any), less indebtedness.
³ Premium rates for DIRECT- CI Accelerator Rider are level and non-guaranteed. Tokio Marine Life Insurance Singapore Ltd. (TMLS) reserves the right to change the premium rate by giving 30 days’ written notice.

This is suitable if you want

An insurance plan without seeking financial advice
To buy an insurance plan directly from an insurer
Whole of life coverage as a solution to income replacement
Lifelong coverage against critical illness via a whole life policy

This is not suitable if you want

insurance plan that comes with financial advice
A pure protection plan without any surrender value
Access to your funds regularly

Key coverage

Death

Total and Permanent Disability (TPD)

Terminal Illness (TI)

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Important information

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

This product can only be purchased over our Customer Service counter located at Tokio Marine Centre, Level 7.

If you are 62 years old or above, or is not proficient in spoken or written English, you are strongly encouraged to be accompanied by a trusted adult who is proficient in spoken or written English and is familiar with investment or life insurance products.

This is a direct purchase insurance plan and 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 on this website is for reference only and is accurate as at 5 April 2018.

Note: 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. You should consider whether the product in question is suitable for you before making a commitment to purchase the product.