What is TM Wealth Aspire?

It is a single premium whole life investment-linked insurance plan that offers potential growth to your wealth, while providing minimal insurance coverage.

  • At least 105% of Net Premium1 is payable upon death
  • Kickstart your investment from as low as $5,000 conveniently payable through:
    • Cash2
    • Supplementary Retirement Scheme (SRS)
  • You have the flexibility to:
    • make top-ups3 upon application or at any time after policy inception
    • switch funds and make withdrawals based on your changing life stages
  • Guaranteed acceptance4 with no medical underwriting required
Note:
1 Net Premium means the sum of single premium and all top-up premiums, less all amounts withdrawn.
2 Available in Singapore dollars only.
3 For any top-up (ad-hoc or RSP), the source of fund for the top-up premium must always be the same as the source of fund for TM Wealth Aspire. The minimum ad-hoc top-up amount is S$1,200 while the minimum RSP top-up amount for monthly and quarterly are S$300, semi-annually is S$600 and annually is S$1,200.
4 Financial underwriting is required.

Why is this important to you?

  • You enjoy a great deal of flexibility:
    • to make top-ups1 at any time
    • to liquidate your policy immediately
    • to select funds with high potential to meet your risk appetite
    • Potential growth in the value of units
  • At least 105% of Net Premium2 is payable upon death
  • Guaranteed acceptance3 with no medical underwriting required!
Note:
1 For any top-up (ad-hoc or RSP), the source of fund for the top-up premium must always be the same as the source of fund for TM Wealth Aspire. The minimum ad-hoc top-up amount is S$1,200 while the minimum RSP top-up amount for monthly and quarterly are S$300, semi-annually is S$600 and annually is S$1,200.
2 Net Premium means the sum of single premium and all top-up premiums, less all amounts withdrawn.
3 Financial underwriting is required.

This is suitable if you want

  • A one-time premium payment investment-linked insurance plan that provides immediate opportunities in investment-linked funds while enjoying minimal insurance protection on death
  • To invest using Cash or SRS monies

This is not suitable if you want

  • Guaranteed returns
  • Regular payouts during the policy term

Key coverage

  • Death
Net Premium means the sum of single premium and all top-up premiums, less all amounts withdrawn.
All benefits and features mentioned herein are subject to terms and conditions of the policy. You must refer to the Policy Contract for the precise terms and conditions of this insurance plan.

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Important Information

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).

Information shown is for reference only and is correct as at 2 January 2018.

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