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Personal > Save > For your retirement > TM Retirement Secure

What is TM Retirement Secure?

It is a limited pay, participating endowment plan that provides you the flexibility in designing the retirement lifestyle of your choice. The plan pays a stream of guaranteed annual cash benefits for either 10 or 20 years starting from your selected payout age.

In addition:

  • Death coverage is provided
  • Two premium payment term options - 5 or 10 years
  • Four retirement payout age options – 50, 55, 60 or 65
  • Two retirement payout period options – 10 or 20 years
  • Hassle-free application with no medical underwriting

Why is this important to you?

  • Gives you the flexibility to choose different premium payment terms and payout options to kick start your retirement plan
  • Provides you with a steady stream of income in the form of yearly cash benefits which are guaranteed for 10 or 20 years
  • Option to reinvest your yearly cash benefits to earn an interest1
  • Capital is guaranteed2 upon selected payout age
  • A lump sum maturity benefit comprising non-guaranteed bonuses3
Note:
1 The prevailing non-guaranteed interest rate is 3.50% per annum, it is subject to change with 30 days’ written notice. The non-guaranteed interest rate is 3.50% p.a. and 2.00% p.a. when the illustrated investment rate of return is 4.75% per annum and 3.25% per annum respectively.
2 Applicable to annual premium payment mode only. It refers to the total annual premiums paid for the basic plan, even if the premium mode is monthly, quarterly or half-yearly, excluding any premium loadings and interest paid for loans and reinstatement (if applicable) under the policy.
3 The bonuses are based on an illustrated investment rate of return of 4.75% per annum and 3.25% per annum 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 retirement product with yearly guaranteed cash benefits in your retirement years
  • a shorter premium commitment period
  • a hassle-free application without medical underwriting

This is not suitable if you want:

  • a high protection coverage
  • a investment product
  • a retirement income that lasts a lifetime

How much you need?

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Key Coverage

  • Death

Additional riders to enhance your protection

  • Cancer Income Rider
    Provides a stream of annual cancer income upon diagnosis of Major Cancers.
  • Cancer Waiver Rider
    Future premiums will be waived upon diagnosis of Major Cancers.
  • (Enhanced) Payer Benefit 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.

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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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