What is TM FlexiCover?

TM FlexiCover is a regular premium whole life investment-linked plan (ILP) which provides protection cover for death. 

It is designed to adapt to your changing lifestyle needs. 

Key Benefits Snapshot

  • Guaranteed* protection value in the event of death
  • Pay no insurance charge when your policy value exceeds the protection value
  • Maximise your potential investment returns with up to 105% of your premiums to be allocated to your investments from the tenth policy year onwards
* NLG Privilege safeguards the interest of the life assured by keeping the policy in force during the first 6 policy years even if there are insufficient units to deduct the monthly fees and charges.

Why is this important to you?

You can start your investments with a minimum monthly premium of S$125 while being covered for death. In addition, you can enjoy these benefits:

  • Flexibility to adjust your protection and investment mix to meet changing priorities
  • Fund switching, ad-hoc top-ups1, partial withdrawals2 and premium holidays3
  • Flexibility to increase4 or reduce5 your regular premium anytime
  • Access to a range of professionally managed investment-linked funds
  • Life Replacement Option to allow you to gift your policy to your family members
  • Quit Smoking Discount (applicable to smokers)
Minimum ad-hoc top-up premium is S$1,200. Ad-hoc top-up premium can be paid at any time after the policy inception and it does not increase the basic sum assured.
2 Minimum partial withdrawal amount is S$1,000. Partial withdrawals of regular premium units may reduce the basic sum assured.
Allowed after premiums have been paid for the first two policy years. Non-payment of premiums during the first two policy years will terminate the policy automatically.
4 Regular premiums can be increased at any time after policy inception. The minimum increase in regular premium amount for monthly premium payment mode is S$50, for quarterly is S$150, for semi-annual is S$300 and for annual is S$600.
5 Allowed only after the first two years’ regular premiums have been paid subject to meeting the minimum premium requirement.

This is suitable if you want

A regular premium investment-linked plan that:

  • Provides protection against death;
  • Allows the opportunities to invest in a range of investment-linked funds for potential long-term investment returns; and
  • Offers flexibility to adjust to changing needs.

This is not suitable if you want

  • Guaranteed returns
  • Single premium plan
  • Regular access to funds

Key coverage

  • Death

Additional riders to enhance your protection

Type of Rider

Coverage Description


Unit-deducting rider

Death/Terminal Illness/Total and Permanent Disability

Lump sum payout in the event of death, terminal illness or total and permanent disability

Critical Illness

Lump sum payout on diagnosis of any of the covered critical illnesses.


Lump sum payout in the event of medical conditions or procedures arising from different stages of covered critical illnesses.

Protect 1 Lite Rider
Pays out monthly benefits for 6 years upon the loss of ability to perform any one of the Activities of Daily Living (ADL).

Premium-paying rider

Waiver of Premium Rider, (Enhanced) Payer Benefit Rider & (Enhanced) Spouse Rider

Future premiums will be waived in the event of death, total and permanent disability 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.


All ages mentioned in this website are based on age next birthday. All benefits and features mentioned herein are subject to terms and conditions of the policy. Please refer to the Policy Contract for the precise terms and conditions of these insurance plans.

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Important Notes

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. 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 is for reference only and is correct as at 1 Feb 2019.

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