What is TM KidStart?

It is a participating endowment plan designed to fund your child’s future education.

It comprises:

  • Guaranteed EduFund – Receive 3 payouts which increase progressively over the last 3 policy years – 40%, 45% and 50% of basic sum assured respectively – fully guaranteed, to help cope with rising inflation and tuition fees.
  • Waiver of premium in the event of specific childhood medical conditions – Waive future premiums for the basic plan should the child be diagnosed with any of the following childhood medical conditions - autism, severe asthma or leukaemia.
  • Life Insurance Coverage – Provide insurance cover in the event of death and total and permanent disability (TPD) of the child.
  • Sibling Cover – Offer immediate insurance coverage to the child’s future sibling(s).

Premium Payment Terms available: 5, 10 or 15 years.

Policy Terms available: Up to age 20, 21, 22 or 23 of the child.

Why is this important to you?

You and your child can be rest assured that education expenses will be taken care of.

 Upon maturity of the policy, your child has two additional privileges:

  • Secure the insurability of your child at maturity with the option to purchase a new regular premium whole life or endowment policy, up to the basic sum assured of the matured policy, regardless of any change in health to your child
  • Receive a Graduation Benefit consisting of any accumulated bonuses1
1 Bonuses are based on an illustrated investment rate of return of 4.75% p.a. and 3.25% p.a. on the Participating Fund. As these bonuses are not guaranteed, the actual amount payable may vary according to the future performance of the Participating Fund.

This is suitable if you want

  • A savings plan with guaranteed payouts to fund for your child's tertiary education.
  • An education plan that also provides insurance coverage for your child.

This is not suitable if you want

  • Critical illness coverage for your child.
  • A whole life plan for your child

Key coverage

  • Death
  • Accidental Death
  • Total and Permanent Disability (TPD)
  • Waiver of Premium in the event of specific childhood medical conditions
  • Siblings Cover

Optional Rider to Enhance Your TM KidStart

No Rider Benefit
1 Payer Benefit Rider Future premiums will be waived in the event of death, TPD and/or upon diagnosis of any of the covered Critical Illnesses of one or both parents
2 Enhanced Payer Benefit Rider
3 Spouse Rider
4 Enhanced Spouse Rider
5 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.

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Important information

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).

Information shown in this webpage is for reference only and is correct as at 2 July 2018.

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