What is TM Nest Egg (GIO CashBack)?

• It is a limited pay, participating endowment plan which:

  • provides guaranteed yearly cash benefits from the 2nd policy anniversary, to one year before the policy matures.
  • provides a Death Benefit
  • is capital guaranteed1 if it is held to maturity
     

• Premium Payment Terms available: 5, 10, 15 or 20 years

• Policy Terms available: 10, 15, 20 or 25 years

• Guaranteed acceptance (no medical underwriting is required)

Note:
1 Applicable to annual premium payment mode only.

Why is it important to you?

  • It gives you the flexibility to:
    • withdraw your yearly cash benefit to spend as you like; or
    • reinvest with us to earn interest1
  • These yearly cash benefits are on top of your maturity proceeds. Whichever option you choose, you will be rewarded for your savings. 
  • You are guaranteed2 that every dollar you contribute as premiums will be returned, upon policy maturity. This way, you need not worry about losing your hard-earned savings. 
  • You are also covered by a Death Benefit3
Note:
1 The prevailing non-guaranteed interest rate is 3.50% p.a.
2
Only applicable for annual premium payment mode.
3
In the event of death of the life assured, a death benefit comprising the following, less any indebtedness, will be payable in one lump sum – 105% of total annual premiums paid for the basic plan, accumulated reversionary bonuses and any guaranteed yearly cash benefits accumulated with Tokio Marine Life Insurance Singapore Ltd. plus accumulated interest (if paid out option is not selected).

This is suitable if you want:

  •  Cash liquidity for your savings plan
  •  A savings vehicle
  •  A short to medium premium commitment period
  •  A hassle-free application without medical underwriting

     

This is not suitable if you want:

  •  A regular cash payout for lifetime
  •  A high protection
  •  A one-time premium commitment

Key coverage

  • Death

Additional riders1 to enhance your protection

  • Cancer Waiver Rider
    Future premiums will be waived in the event of diagnosis of Major Cancer.
  • (Enhanced) Payer Benefit Rider, (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 Critical Illnesses.
  • 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.
Note:
1 Riders may be subject to full underwriting.

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Important Notes

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

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. 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).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information shown in this webpage is for reference only and is correct as at 1 Feb 2019.

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