What is TM Atlas Wealth?

It is a limited-pay, whole of life, investment-linked insurance policy (ILP) that lets you live life on your terms.

Key Features / Benefits


Initial Bonus - Your investment is enhanced with initial bonus up to 19.5% per annum for the first 5 years to accelerate your wealth.


Loyalty Bonus - Thereafter, as you continue to invest, you will be rewarded with a yearly loyalty bonus of up to 0.3% per annum of accumulated units account1 value starting from 6th policy anniversary.


Currency of investment – Choose your preferred currency - SGD, AUD, GBP and USD


Premium payment term – Choose between 5 and 25 years


Multiple degrees of liquidity – Partial withdrawal and premium holiday options are available


Coverage – Choice of either Advanced Death Benefit or Basic Death Benefit


Hassle-free application – no health assessment required


Preferred Fund Opportunities – Build your ideal investment portfolio with curated ILP sub-funds

1 Accumulated units account refers to the account for the units purchased using the regular premium due from the 13th month of the commencement date as well as any RSP, any top-up premiums and loyalty bonus.

How bonuses can boost your investment?

  • The above illustration is not drawn to scale and does not take into consideration the fees and charges associated with this product. It assumes that all premiums due are paid until the end of the premium payment term without any partial withdrawals on the policy.
  • Initial Bonus is based and given on a percentage of regular premium paid during the first 5 years. It is allocated to the policy in the form of additional units. The applicable initial bonus rates vary according to the annualised regular premium amount and the premium payment term.
  • Loyalty Bonus is based on a percentage of the accumulation units account value and is payable on the 6th policy anniversary onwards for the rest of the policy term.

Why is this important to you?

  • Legacy Planning - Grow for multiple generations
    Extend your investment time horizon with up to 4 lives assured at any time your policy is in force. This means you can grow your wealth for future generations through sound investment principles.

  • Accelerate your wealth
    Grow your investment from Day 1 with 100% of the regular premium allocated for units purchase. Your investment is further enhanced with initial bonuses for the first 5 years, and thereafter a yearly loyalty bonus payable on the 6th policy anniversary onwards for the rest of the policy term.

  • Access to Preferred Funds
    Open a world of opportunities with curated ILP sub-funds made accessible to build towards your ideal investment portfolio.

This is suitable if you want

  • Investment in a multi-currency limited pay investment-linked policy
  • Opportunities to invest in a range of investment-linked funds
  • Flexibility with your investment-linked policy

This is not suitable if you want

  • Guaranteed returns
  • Single premium plan
  • High insurance coverage

Key Coverage

Choice of either Basic Death Benefit or Advanced Death Benefit:

  • a) Basic Death Benefit
  • b) Advanced Death Benefit

Get it now

Important Notes

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).

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 7 Jan 2019.

Hello, I am TOMI.

How can I help you?