What is TM Apex VIP / ULTRA?

It is a single premium US dollar investment-linked policy that invests in a well-diversified fund and pays out the highest monthly value1 of the policy in the event of death or at age 99.

1 The ‘monthly value’ is the policy value locked in at a specific date of each month. The first monthly value is equal to the single premium when you join.

Key Benefits

  • Locked-in the  highest monthly value of policy throughout the policy
  • Pays the highest monthly value of the policy upon death or at age 99
  • Potential upside gains while mitigating market downside risk
  • 100% of the premium allocated into investment right from the start
  • Well-diversified assets, managed by a world-class, award-winning asset manager
  • Hassle-free application – no health assessment required
  • Simple and transparent charging structure
  • Coverage term up to age 99
  • Flexible withdrawal option is available via partial withdrawal or full surrender, subject to surrender charge

The minimum single premium is to kick-start is USD100,000. A lower administrative charge will apply for USD500,000 and above.


Minimum Single Premium

Administrative Charge

Remaining Policy Value after each Partial Withdrawal



1.80% p.a. of the policy value




1.70% p.a. of the policy value


How does it work?

Why is it important to you?

  • Legacy
    Your wealth was never meant to last just one generation. With TM Apex VIP / ULTRA as an estate planning strategy, your legacy will live on.

  • Accumulate wealth
    TM Apex VIP / ULTRA has a unique lock-in value feature which makes it an excellent tool to facilitate your accumulation of wealth.

  • Allocate wealth to loved ones
    You have the autonomy to dictate the distribution of your wealth according to your pre-stated wishes.

This is suitable if you want

  • Investment in USD investment-linked policy
  • The opportunity to invest in a well-diversified balanced fund
  • Death benefit that are based on highest monthly locked-in value of the performance of the fund
  • A legacy planning product with no medical underwriting
  • A plan to supplement your existing coverage

This is not suitable if you want

  • Investment in SGD investment-linked policy
  • Guaranteed returns
  • Regular payouts and immediate high coverage

Key Coverage

  • Death

Get it now

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

This marketing material is not intended as an offer or recommendation to the purchase of any insurance plan. This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd. and is only available through our authorised distributors. It does not have regard to your financial situation, specific investment objectives and any of your particular needs. 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 in this webpage is for reference only and is correct as at 12 July 2018.

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