TM Term VIP A high-value term plan that safeguards your legacy

Our VIP Series

You have arrived. Now you are looking further ahead. New goals. New milestones. New horizons.

With bespoke coverage that grows with your achievements, our suite of VIP plans helps to protect, preserve and accumulate your wealth over time. For the future of your loved ones. And many generations to come.

You have come a long way to build your wealth and attain your privileged status today. A successful individual. A proud parent. A respected business owner.In a changing world, you want your children to have the best opportunities in life. And for future generations to be afforded the same privileges that you enjoy today.

At the same time, you are aware that the future can be unpredictable.

What if you became dependent on a caregiver one day? How would your family cope financially should the unforeseen happen?

Planning for a time when you are no longer around can seem daunting.

Let TM Term VIP take the uncertainty out of life and safeguard the financial future of those you hold dear – as well as your business assets.

SAFEGUARDING YOUR LEGACY

What is TM Term VIP?

TM Term VIP is specially designed to give you a million-dollar assurance for your lifestyle and evolving needs. A practical yet essential insurance plan, it provides a high coverage of SGD/USD1.5 million and above – at a very attractive premium.

Whether it is meeting your protection needs or supplementing your existing insurance cover, TM Term VIP is an ideal solution that gives you complete peace of mind.

Available to Singaporeans and Permanent Residents, TM Term VIP is also suitable for non-residents1 working in Singapore, as well as short-term visitors here.

Because we know that no matter what surprises life has in store, you want to provide a comfortable life for the ones you love. Today. And tomorrow.

Personalise your plan to suit your preferences

High coverage for the ones you loveWith a minimum coverage amount of SGD/USD1.5 million2, TM Term VIP is an ideal solution to safeguard the wealth you have accumulated for your future generations.

Lump sum payout for greater assuranceTo help your loved ones through a difficult time, this plan pays out the benefit for death, terminal illness and total and permanent disability (TPD) in one lump sum.

For added assurance, we provide a lump sum TPD Benefit3 of up to SGD4.5 million or USD3.375 million.

Choice of coverage terms to match your individual needsYou have the flexibility to choose the coverage term that best suits your circumstances – a renewable 5-year term or protection up to age 65, 75 or 85.

Lock in your insurabilityWe understand your priorities and needs may change at different life stages. That’s why TM Term VIP comes with a conversion privilege that enables you to partly or fully convert4 the sum assured into a whole life or endowment plan – without the need to provide further health evidence.

Choose to pay in SGD or USDYou have the flexibility to select a TM Term VIP plan in SGD or USD.

BESPOKE PROTECTION FOR YOUR INDIVIDUAL NEEDS

SGDUSD

ADDED CONFIDENCE FOR LIFE’S JOURNEY

Enhance your protection against disability

Having worked hard to provide for a comfortable life after work, the last thing you want is for disability to take the lustre out of your golden years. Yet statistics reveal that disability in old age is more likely than many think.

Monthly income protection against ADL

To afford you greater peace of mind, TM Term VIP comes with a unique, optional Protect 1 VIP Rider that protects you against disability.

Should you ever lose the ability to perform just one of the six Activities of Daily Living (ADL) below, a monthly disability benefit of up to SGD10,000 or USD7,500 will be provided for a continuous period of 72 months (6 years).

Washing

Toileting

Dressing

Mobility

Feeding

Growing old in Singapore

Source: “ElderShield review committee proposes severe disability insurance scheme be made compulsory for future cohorts”, The Straits Times, 30 January 2018. http://www.straitstimes.com/singapore/health/eldershield-review-committee-wants-scheme-made-compulsory

1 in 2 healthy people aged 65

today are at risk of becoming severely

disabled

4 years is the median length of time that people

suffer from disability

3 in 10 people remain severely

disabled for more than 10

years

1 in 2 4years

Transferring to/from wheelchair

* Premium rate is based on preferred life (non-smoker).

How does it work?

Mr. Wong, 40As the CEO of XYZ company, Mr. Wong takes up a TM Term VIP plan with a coverage term of up to age 75, for a sum assured of

SGD2,000,000. He also adds on a Protect 1 VIP Rider that provides a monthly benefit of SGD10,000.

Coverage Term Sum Assured Monthly Benefit Annual Premium

TM Term VIP To age 75 SGD2,000,000 N.A. SGD3,660*

Protect 1 VIP Rider To age 70 N.A. SGD10,000 SGD 957

Total SGD4,617

40

65

Payout from Protect 1 VIP Rider:After a 90-day waiting period,

Mr. Wong receives a monthly payout of SGD10,000 for 72 months (6 years).

The total payout is SGD720,000.

Mr. Wong passes away at age 70.

His family receives a lump sum payout of SGD2,000,000.

The policy terminates.

Mr. Wong suffers a stroke at age 50 and is unable to feed himself.

Scenario 1

Scenario 2 70

Mr. Wong becomes totally disabled

at age 65. He receives a lump

sum of SGD2,000,000. The policy terminates.

The total payout in Scenario 1 is SGD2,720,000.

50

Age

VALUABLE PROTECTION FOR YOUR BUSINESS

Ensure your business continues to thrive

Having put in so much to build your business, you want to shelter it from any upheaval that comes with an unexpected loss of a business partner, shareholder or key executive.

TM Term VIP helps to safeguard your business interests by mitigating the financial risks that arise from such a loss. The plan pays out a lump sum in the unfortunate event that a key executive is unable to contribute to your business as before. This gives you the flexibility to make important business decisions without undue financial pressure.

Protect your business with strategic coverage for a key executive up to age 65, 75 or 85. A renewable 5-year plan5 is also available as an option.

TM TERM VIPAT A GLANCE

* Subject to a minimum annual premium requirement of SGD/USD1,200.

Basic Plan (SGD Version)

Coverage Term 5 years To Age 65, 75 & 85

Minimum Sum Assured* $3.0 million $1.5 million

Maximum Sum Assured Financial underwriting applies

Total and Permanent Disability Rider

Minimum Sum Assured $3.0 million $1.5 million

Maximum Sum Assured $4.5 million

Protect 1 VIP Rider

Minimum Monthly Benefit N.A. $5,000

Maximum Monthly Benefit N.A. $10,000

Basic Plan (USD Version)

Coverage Term 5 years To Age 65, 75 & 85

Minimum Sum Assured* $3.0 million $1.5 million

Maximum Sum Assured Financial underwriting applies

Total and Permanent Disability Rider

Minimum Sum Assured $3.0 million $1.5 million

Maximum Sum Assured $3.375 million

Protect 1 VIP Rider

Minimum Monthly Benefit N.A. $5,000

Maximum Monthly Benefit N.A. $7,500

Premium rates for Protect 1 VIP Rider are not guaranteed. TMLS reserves the right to change the premium rates by giving 30 days’ written notice.

All illustrations in this marketing material are not drawn to scale.

All ages mentioned in this marketing material are based on age next birthday.

Important Notes

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. 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. This advertisement has not been reviewed by the Monetary Authority of Singapore.

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 in this marketing material is for reference only and is correct as at 1 February 2019.

1 Subject to approved list of countries of origin. Contact your preferred Adviser for details.

2 For coverage terms to age 65, 75 and 85.

3 The maximum TPD Benefit payable is SGD4.5 million or USD3.375 million per life, inclusive of all other insurance taken up with Tokio Marine Life Insurance Singapore Ltd. (TMLS). For policies issued in other currencies, a conversion rate as determined by TMLS will apply.

4 Conversion privilege must be exercised before age 60 next birthday. Other terms and conditions apply. Refer to the Product Summary for details.

5 The minimum sum assured for a 5-year term is SGD/USD3 million.

About Us

E&OE FEB2019

(Company Reg. No.: 194800055D) 20 McCallum Street,#07-01 Tokio Marine Centre,Singapore 069046T: (65) 6592 6100F: (65) 6223 9120

Speak to your preferred Adviseror visit www.tokiomarine.com

Tokio Marine Life Insurance Singapore Ltd. is part of Tokio Marine

Group which has over 130 years of history. As at March 2017,

Tokio Marine Holdings Inc. has a market capitalisation of close

to US$32 billion and total assets of around US$204 billion. With

its presence spreading across 38 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.

We are committed to bring meaningful product solutions to meet

your individual and corporate insurance needs.

Driven by Customer-focus, Integrity and Excellence as our core

values, we endeavour to be your preferred insurance partner for life.