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What is TM Atlas Wealth?
It is a limited pay, whole of life, investment-linked insurance policy (ILP) that gives you the flexibility to build a customised investment plan that adapts to your changing needs.
Product Literature
Plan overview
Why TM Atlas Wealth?
Benefits at a glance.
Accelerate your wealth
Grow your investment from Day 1 with 100% of the regular premium allocated for the purchase of units. 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.
Is this right for you?
How to decide if this plan is suitable for you.
This is suitable if you want:
✔ To invest in a multi-currency, limited pay investment-linked policy.
✔ To invest in a range of investment-linked sub-funds.
✔ Flexibility with your investment-linked policy.
✔︎ To pay premium throughout the premium payment term and aware of the consequences of non-payment of premium.
This is not suitable if you want:
✖ Guaranteed returns.
✖ A single-premium plan.
✖ High insurance coverage.
- 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 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.
What it gives you
Features of TM Atlas Wealth.
1Accumulated 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.
We’ve got you covered
Additional riders to enhance your protection.
Cancer Waiver Rider
Future premiums will be waived in the event of diagnosis of Major Cancer.
Early Critical Illness Premium Waiver Rider
Future premiums will be waived upon diagnosis of any of the covered Early or Intermediate Stage Critical Illnesses for 5 years, up to 2 times.
Waiver of Premium Rider
Future premiums will be waived upon diagnosis of any of the covered Major Stage Critical Illnesses.
Payer Benefit Rider, Spouse Rider
Future premiums will be waived in the event of death or Total and Permanent Disability of the policyholder/spouse.
Enhanced Payer Benefit, 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 Major Stage Critical Illnesses of the policyholder/spouse.
Important Information
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 Oct 2023.
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