Tokio Marine

Life Insurance Singapore Ltd.

tokiomarine.com
Life & Health | Property & Casualty
 Benefit Snapshot
1. Guaranteed annual cash benefit

2. Attractive returns

3. One-time investment

4. Hassle-free application

About the Plan

TM Wealth Enhancement (CashBack) is a single premium endowment plan with guaranteed
annual cash benefits! You are secured by the coverage against death and accidental death at
the same time.

1
2
3 Benefits of the Plan
Guaranteed annual cash benefit
TM Wealth Enhancement (CashBack) pays an annual guaranteed cash benefit equivalent to
5% of Sum Assured1 starting from the end of the first year until one year before your policy
matures. You also have the option to accumulate2 the cash benefits with us to earn an
interest. Whichever option you choose, you reap all the benefits!

Guaranteed maturity benefit

TM Wealth Enhancement (CashBack) goes that extra mile by giving you a guaranteed
maturity benefit over and above the guaranteed annual cash benefits you have received. Your
investment will enjoy benefits as follows:

% of Sum Assured
Policy Terms
(Years) Total Annual Cash Benefits Guaranteed Maturity Benefit Total Guaranteed Benefits
8 35% 68% 103%
10 45% 60% 105%
15 70% 38% 108%
20 95% 15% 110%
One-time investment
A minimum of S$25,000 is all you need to kick-start your investment and start enjoying
its benefits. You can choose to invest using either cash or funds from your Supplementary
Retirement Scheme (SRS) account.

Hassle-free application
Do away with the hassle of a medical check-up. You can start your investment almost
immediately with guaranteed acceptance today!

Attractive returns
It is important that your endowment plan gives your hard-earned savings that extra boost.
The guaranteed annual cash benefits and the maturity benefits payable have the potential to
bring you the following returns:

Illustrated Yield to Maturity 2,3,4

Lower Illustrated Higher Illustrated
Policy Terms
Investment Rate of Return on Investment Rate of Return on
(Years)
the Participating Fund^ (p.a.) the Participating Fund^^ (p.a.)
8 1.64% 2.46%
10 1.87% 2.83%
15 2.12% 3.25%
20 2.24% 3.45%

^
T he lower illustrated investment rate of return is 1.90%/2.30%/2.70%/2.90% p.a. for policy
term of 8/10/15/20 years respectively.
^^
T he higher illustrated investment rate of return is 3.40%/3.80%/4.20%/4.40% p.a. for policy
term of 8/10/15/20 years respectively.

Additional financial security for you

You are also covered by an accidental death benefit5. This benefit covers you for an additional
amount equivalent to the Sum Assured over and above the death benefit.

Variety of savings options

The plan offers policy term options of 8, 10, 15 and 20 years. Plan to have multiple policies to
have the policy benefits meet with the different milestones in your life – a child’s graduation
gift, your own wedding anniversary party or even a gift for your first grandchild! Whatever the
milestone, celebrate it with the benefits you reap from TM Wealth Enhancement (CashBack)!
Illustration
Life assured Mike
Profile Age 35, male and non-smoker
Sum Assured S$25,250
Single Premium S$25,000
Policy Term 10 years
Cash Benefit Option Paid out at the end of every policy year

Single Illustrated
prmium of Total guaranteed annual cash benefits paid over 9 years is S$11,363 maturity
S$25,000 benefit3 is
S$19,508 at
the end of the
10th year

Year

Mike receives a total benefit of S$30,8713 of which S$26,513 is guaranteed.

The above illustration is based on an illustrated investment rate of return of 3.80% p.a. (for policy term of 10
years) on the Participating Fund. At an illustrated investment rate of return of 2.30% p.a. (for policy term of 10
years) on the Participating Fund, the illustrated maturity benefit3 is S$17,554 and the total benefit3 is S$28,917.

The Sum Assured of this plan is 101% of single premium.

1
Important Notes
The option to deposit the guaranteed annual cash benefit is provided at Tokio Marine Life Insurance Singapore
2
This marketing material is not intended as an offer or recommendation to the purchase of any insurance
Ltd.’s (TMLS) discretion and may be withdrawn at anytime. It is not available if the policy is purchased using plan. This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd. and is only available through
SRS funds. 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
The prevailing non-guaranteed interest rate is 3.50% p.a. and is subjected to change with 30 days’ written
commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that
notice.
is payable to you may be zero or less than the total premiums paid. It is also detrimental to replace an existing
The non-guaranteed interest rate is 3.50% p.a. and 2.00% p.a. at the higher and lower illustrated investment life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.
rate of return respectively.
For policies distributed in Singapore:
Includes non-guaranteed benefits. As these bonuses are not guaranteed, the actual amount payable may
3 This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore
vary according to the future performance of the Participating Fund. 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
Based on accumulated option.
4
of the coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.
On accidental death, an additional death benefit equivalent to 100% of the Sum Assured is payable.
5 sdic.org.sg).
Accidental death benefit is applicable until the policy anniversary on which the life assured is age 70. This advertisement has not been reviewed by the Monetary Authority of Singapore.
All illustrations in this marketing material are not drawn to scale. Information shown in this marketing material is for reference only and is correct as at 1 June 2019.
All ages mentioned in this marketing material are based on age next birthday.
 About Us
Tokio Marine Life Insurance Singapore Ltd. is part of Tokio Marine Holdings Inc.
which has 140 years of history. As at March 2019, Tokio Marine Holdings Inc.
has a market capitalisation of close to US$34 billion and total assets of around
US$203 billion. With its presence spreading over 45 countries, Tokio Marine is
indisputably one of the largest insurance groups in the world.

Our reputation in Singapore as a leading life insurer has been gained through
our strong historical investment returns, disciplined underwriting and careful
expense management.

Driven by Customer-centricity, Integrity and Excellence as our core values,

we endeavour to be a trusted partner in protection, savings and investments.
SGMKTBRO-EN-093-13052020-06072020 (JUL2020)

Speak to your preferred Adviser

or visit www.tokiomarine.com

(Company Reg. No.: 194800055D)

20 McCallum Street,
#07-01 Tokio Marine Centre,
Singapore 069046
T: (65) 6592 6100 E&OE
F: (65) 6223 9120 JUL2020