DIRECT- TM Basic Term

Product information

_{* DIRECT—TPD Rider is a compulsory rider to DIRECT—TM Basic Term. Payment of the TPD benefit will reduce the sum assured of DIRECT—TM Basic Term. The rider will expire at the policy anniversary on which the life assured is age 65.}

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Why DIRECT- TM Basic Term?

Benefits at a glance.

Financial protection against the unforeseen

Receive a lump sum payout in the event of death, Total and Permanent Disability (TPD) and Terminal Illness (TI).

Coverage up to age 85

DIRECT— TM Basic Term provides you with a choice of 3 coverage options:

5-year term with guaranteed renewal privilege up to age 85;
20-year term; or
Up to age 65.

Guaranteed renewal privilege

Renew¹ your coverage period without any medical underwriting, when your selected policy term has ended.

¹ Guaranteed renewal privilege is available for policy terms of 5 years and the last renewal age is 80 years old. Premiums at each renewal are non-guaranteed and are based on the life assured’s attained age. Other terms and conditions apply.

Added protection

To provide you with greater protection, DIRECT—TM Basic Term comes with an optional DIRECT—Critical Illness (CI) Accelerator Rider² that covers 30 CIs, up to age 65.

²Premium rates for DIRECT—CI Accelerator Rider are level and non-guaranteed. Tokio Marine Life Insurance Singapore Ltd. (TMLS) reserves the right to change the premium rate by giving 30 days’ written notice.

Is this right for you?

How to decide if this plan is suitable for you.

This is suitable if you want:

✔︎ An insurance plan without seeking any financial advice.

✔︎ An insurance plan you can buy directly from an insurer.

✔︎ An affordable protection plan without any surrender value.

This is not suitable if you want:

✖︎ An insurance plan that comes with financial advice.

✖︎ An insurance plan with savings or investment elements.

✖︎ A whole life protection plan.

What it gives you

Features of DIRECT— TM Basic Term.

Important Information

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. You must refer to the Policy Contract for the precise terms and conditions of this plan.

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. 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 1 Feb 2019.