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What is TM FlexiAssurance?
It is a regular premium, whole life investment-linked plan which offers the ideal balance between protection and investment.
Product information
Plan overview
- Plan term
- Whole life
- Issue age
- 1–60
Why TM FlexiAssurance?
Benefits at a glance.
From S$125 a month, enjoy the flexibility to manage and potentially grow your savings while being protected with an insurance safety net.
In addition, you enjoy these benefits:
- No lapse guarantee privilege.
- Lifetime investment even after a claim1.
- Loyalty bonus.
- Level insurance charges2.
1 When a TPD or TI claim is made, TM FlexiAssurance will pay the basic sum assured and the policy continues to stay in force with the remaining policy value.
2 The rates for insurance charge are level and guaranteed.
Is this right for you?
How to decide if this plan is suitable for you.
This is suitable if you want:
✔ A product to enhance your long-term investment returns.
✔ An investment-linked insurance product with flexibility.
This is not suitable if you want:
✖ Guaranteed returns.
✖ Regular payouts during your policy term.
9 Refer to Product Summary and Product Highlights Sheet for funds information. A copy of the Product Highlights Sheet can be found on our website.
10 The policy values are based on illustrated investment rate of returns of 4% p.a. or 8% p.a. and are used purely for illustrative purposes. Actual policy values will depend on the performance of the selected fund(s). The illustration assumes no withdrawals, no ad-hoc top-up premiums, and is inclusive of loyalty bonuses, fees and charges.
11 Total protection value during insurance coverage term is determined by the sum of the basic sum assured, 101% of the value of regular premium units, and 100% of the value of top-up premium units.
12 Insurance coverage term ends at chosen age 70 and thereafter the protection value is determined by the sum of 101% of the value of regular premium units and 100% of the value of top-up premium units.
For full detail, please refer to the product brochure.
What it gives you
Features of TM FlexiAssurance.
3 TPD Benefit is provided until the policy anniversary on which the life assured is age 70.
4 Ad-hoc top-up premium does not increase the basic sum assured and the top-up premium units purchased are not subject to surrender charge. Refer to Product Summary for more details.
5 Surrender charge is applicable for withdrawal of regular premium units. Refer to Product Summary for more details.
6 Non-payment of premiums during the first 2 policy years will terminate the policy automatically. During premium holidays, regular premium payments may be resumed at any time. Refer to Product Summary for more details.
7 Applies to insurance coverage determined as at policy inception and subject to terms and conditions. Refer to Product Summary for more details.
We’ve got you covered
Additional riders to enhance your protection.
Critical Illness Accelerator Rider
Accelerates the death benefit of the basic plan, up to the rider’s sum assured, upon the diagnosis of any of the covered CIs.
EarlyCare Rider
Covers medical conditions and procedures arising from critical illnesses at 3 different stages of severity (Early, Intermediate and Advanced), as well as Juvenile Conditions and Special Conditions.
Waiver of Premium Rider, (Enhanced) Payer Benefit and (Enhanced) Spouse Rider
Future premiums will be waived in the event of death, Total and Permanent Disability (TPD) and/or upon diagnosis of any of the covered CIs.
Covers death, child-related illnesses and provides a hospitalisation benefit. In addition, 80% of premiums paid will be refunded upon the survival of juvenile life assured on the policy anniversary when he/she reaches age 19.
Pays out monthly benefits for 6 years upon the loss of ability to perform any one of the Activities of Daily Living (ADL).
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 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 October 2021.
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