TM INFINITE VIP Brochure - tokiomarine.com

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TM INFINITE VIP
          Brochure

         Tokio Marine
         Life Insurance Singapore Ltd.

         tokiomarine.com
         Life & Health | Property & Casualty
Your diverse
financial needs
Through perseverance, discipline and resilience, you have
arrived at where you are today. You have dedicated yourself
to give the best you can to your loved ones.

You want to preserve the wealth you have built. You want
your wealth to continue to grow. You want your family to
share your success. You want financial security for them
and for yourself. You want to make a difference to the
generations to come.

Your solution
TM Infinite VIP is designed with your diverse financial needs in mind.

Be it wealth preservation, wealth transfer, lifetime income or leaving a
positive financial legacy, this is a plan with infinite possibilities.

TM Infinite VIP offers the following key benefits:
      Guaranteed Surrender Value is 80% of single premium from day one
      Guaranteed lifetime monthly income
      Guaranteed acceptance
      Guaranteed financial security for you and your loved ones
      Guaranteed wealth transfer to the next generation
TM Infinite VIP                                                                                                                  Illustration 2:

Being a person of many interests and concerns, you may have different motivations to preserve your wealth.                       Mr Chan is a full-time individual investor. At age 55, preparing for his retirement, he is looking at adjusting his
Perhaps it is to enjoy an early retirement. Perhaps it is to guarantee your children and even their children, will have          investment portfolio to be less aggressive. In aligning his investment portfolio, he looks for a plan that would
a comfortable life. Whatever your reasons, you can be assured that TM Infinite VIP has you covered.                              give him the following:

                                                                                                                                 1. A portfolio that is not fully exposed to the volatility of equities.

Illustration 1:                                                                                                                  2. Turning more cautious as an investor, Mr Chan would like to preserve his invested capital to give him the
                                                                                                                                    financial liquidity as and when he needs it.
Mr Tan, married with 2 children, age 45, is a successful business owner of an import and export trading company.
Over the years, he has put aside a sum of money and would like to invest it now. These are some of his concerns                  3. Mr Chan looks forward to a slower pace of life as he prepares for retirement. He would like to spend more time
when Mr Tan is looking for an ideal investment plan:                                                                                serving the needs of the less fortunate in the charity that he has been involved in for 10 years.

1. For his business, having adequate cash flow at critical times is vital. So it is important that whatever 		                   4. Over and above that, Mr Chan would like to nominate the charity that he serves as a beneficiary to
   he invests in enables him to have access to financial liquidity at any point of time.                                            receive 10% of his plan.

2. Having spent many years building up his business, Mr Tan would like to strike a good work-life balance in the
   future. He would like to generate extra funding that will enable him to treat his family, together with
   his parents, to annual holidays spending quality time with them.
                                                                                                                                              How TM Infinite VIP can be a solution:
3. Mr Tan would also like to plan for his own retirement. He would like the security of a retirement income
   regardless of the economic situation.
                                                                                                                                                                                            Wealth Preservation
When he learnt about the possibilities TM Infinite VIP offers, he decided to invest in the plan, where he is assured
                                                                                                                                                                                       Guaranteed Surrender Value of
of funds for the annual family holiday, which can also be his retirement income in later years. At the same time,                                                                         S$1.60 million from Day 1
Mr Tan has the assurance that he has 80% of his initial investment as guaranteed surrender value should he                                                                            Total Cash Value of S$2.00 million
ever require liquidity for his business.                                                                                                                                                   (100% of SP) by year 10
                                                                                                                                            Single Premium (SP)
                                                                                                                                               Investment of                                                                      When Mr Chan is at age 85:
                                                                                                                                               S$2.00 million                                                                     Total Cash Benefits Collected
                                                                                                                                                                                            Retirement Funding                    = S$2.26 million
                                                                                                                                                                                         When Mr Chan turns age 60,               Total Surrender Value
          How TM Infinite VIP                              Wealth Preservation                                                                                                             he starts to receive the
                                                                                                                                                                                          monthly Cash Benefits of                = S$2.00 million
           can be a solution:                              Guaranteed Surrender
                                                                                                                                                   Monthly                                    S$7,500 for LIFE                    Total Benefits
                                                     Value of S$2.40 million from Day 1
                                                                                                                                                  income of                                                                       = S$4.26 million
                                                     Total Cash Value of S$3.00 million                                                            S$7,500
                                                          (100% of SP) by year 10                When Mr Tan is at age 85:                         for LIFE
                                                                                                                                                                                                Legacy to Charity
                                                                                                 Total Cash Benefits Collected                                                                                                    Should death occur when
                                                                                                                                                                                        Mr Chan nominates the charity
                                                                                                 = S$4.74 million                                                                        he serves with as one of the             Mr Chan is at age 85:
            Single Premium (SP)                              Lifestyle Funding                                                                                                            beneficiaries of his policy.
                                                                                                 Total Surrender Value                                                                                                            Total Cash Benefits Collected
               Investment of                            When Mr Tan turns age 50,                = S$3.00 million                                                                      From year 5 onwards, the charity           = S$2.26 million
               S$3.00 million                         he starts to receive the monthly                                                                                                   will receive 10% of the Death
                                                        Cash Benefits of S$11,250                Total Benefits                                                                              Benefit (S$0.21 million)             Death Benefit at age 85
                                                         to fund his lifestyle needs             = S$7.74 million                                                                                upon his passing                 = S$2.10 million
                                                                                                                                                                                                                                  Total Benefits
                                                                                                 Should death occur when Mr                                                                    Wealth Transfer                    = S$4.36 million
                   Monthly
                                                        Lifetime Retirement Fund                 Tan is at age 85:                                                                          From year 5 onwards,
                  income of
                  S$11,250                            Mr Tan continues to receive the                                                                                                   after benefiting the charity he
                                                                                                 Total Cash Benefits Collected
                   for LIFE                          monthly Cash Benefits of S$11,250                                                                                                 serves with, Mr Chan’s family will
                                                                                                 = S$4.74 million                                                                       receive a sum of S$1.89 million
                                                       to fund his retirement needs
                                                                                                 Death Benefit at age 85                                                                       upon his passing
                                                                                                 = S$3.15 million
                                                                                                 Total Benefits
                                                             Wealth Transfer
                                                                                                 = S$7.89 million
                                                       From year 5 onwards, should
                                                      anything happen to Mr Tan, his
                                                     beneficiaries will receive a sum of
                                                      S$3.15 million upon his passing

Notes:                                                                                                                           Notes:
• The above illustration is based on a 45 years old male.                                                                        • The above illustration is based on a 55 years old male.
• All figures (except the Single Premium invested and Guaranteed Surrender Value) are inclusive of non-guaranteed dividends.     • All figures (except the Single Premium invested and Guaranteed Surrender Value) are inclusive of non-guaranteed dividends.
• Figures are rounded to the nearest S$10,000 when expressed in a million.                                                       • Figures are rounded to the nearest S$10,000 when expressed in a million.
Illustration 3:
                                                                                                                                        Product information at a glance
Mr Rajoo, age 50, has a 12 years old son, Daniel. Having set a sum of money aside, Mr Rajoo is looking for a plan
that would help him:                                                                                                                       Product Key Benefits:
                                                                                                                                           • Guaranteed Surrender Value is 80% of single premium from day one
1. Provide for Daniel’s overseas living expenses when he furthers his tertiary education.                                                  • Guaranteed lifetime monthly income
                                                                                                                                           • Guaranteed acceptance
2. Mr Rajoo plans to hand over the ownership of the plan to Daniel when he returns from overseas tertiary
                                                                                                                                           • Guaranteed financial security for you and your loved ones
   education at age 25 and thereby leave a positive financial legacy to Daniel and his future family.
                                                                                                                                           • Guaranteed wealth transfer to the next generation

                                                                                                                                        GENERAL DESCRIPTON
             How TM Infinite VIP can be a solution:                                                                                     Product Type               TM Infinite VIP is a single premium, participating whole life plan designed to provide a
                                                                                                                                        and Classification         regular stream of income for as long as the life assured is alive.
                                                         Wealth Preservation                                                                                       The first monthly Cash Benefit will start on the 5th policy anniversary. Each monthly Cash
                                                    Guaranteed Surrender Value of                                                                                  Benefit consists of a guaranteed amount and a non-guaranteed dividend.
                                                       S$0.80 million from Day 1
                                                                                                                                                                   This plan also provides a death benefit throughout the coverage term.
                                                   Total Cash Value of S$1.00 million
                                                        (100% of SP) by year 10
           Single Premium (SP)                                                                                                          Launch Date                8 May 2013
              Investment of
              S$1.00 million
                                                                                               Mr Rajoo receives the Cash
                                                         Family Needs Funding                                                           Product Suitability        Suitable Market
                                                    When Mr Rajoo turns age 55, he             Benefits till just before the 13th                                  • Individuals who are looking for lifetime income in their retirement years;
                                                   starts to receive the monthly Cash          policy anniversary (age 63) :                                       • Parents who would like to secure a lifetime of income for their young children;
                                                      Benefits of S$3,750 to fund              Total Cash Benefits Collected                                       • Individuals who prefer a one-time premium commitment;
                  Monthly                                      family needs                                                                                        • Individuals who prefer no medical underwriting upon application.
                                                                                               = S$360,000
                 income of
                                                                                                                                                                   Unsuitable Market
                  S$3,750
                                                                                                                                                                   • Individuals who are looking for high death cover;
                  for LIFE                                 Overseas Living                     Daniel receives Cash Benefits                                       • Individuals who need Total and Permanent Disability coverage;
                                                            Expenses Fund                      from age 25 till age 85*:                                           • Individuals who prefer to spread out their premium commitment.
                                                     Mr Rajoo sends the monthly                Total Cash Benefits Collected
                                                       Cash Benefits of S$3,750
                                                                                               = S$2.70 million
                                                    he receives from TM Infinite VIP                                                    PRODUCT BENEFITS           Starting from the 5th policy anniversary (end of the 60th month), a Cash Benefit, less any
                                                     to Daniel as living expenses              Death Benefit when Daniel is at age 85   Cash Benefit               indebtedness, will be payable monthly for as long as the life assured is alive.
                                                      during his overseas tertiary
                                                               education                       = S$1.05 million                                                    Each monthly Cash Benefit is 1/12th of the following:
                                                                                               Total Benefits                                                      (a) a guaranteed amount equivalent to 1.5% of single premium; and
                                                                                               = S$4.11 million                                                    (b) a non-guaranteed dividend equivalent to 3.0%* of single premium.
                                                                                                                                                                   *Based on a projected investment rate of return of 4.75% p.a. on the Participating Fund.
                                                     Multi-generation Legacy Plan
                                                        Transfers ownership of TM                                                                                  The monthly Cash Benefits will only be credited to a Singapore-registered bank account
                                                      Infinite VIP to Daniel when he                                                                               denominated in Singapore currency that supports direct crediting.
                                                     turns 25 and leaves a positive
                                                                                                                                                                   If such an account is not available, all the 12 consecutive monthly Cash Benefits will be
                                                         financial legacy to Daniel
                                                            and his future family                                                                                  accumulated without interest and paid in a lump sum via cheque payment at the end of
                                                                                                                                                                   each policy year.

                                                                                                                                        Death Benefit              In the event of death of the life assured, a Death Benefit comprising the following, less any
                                                                                                                                                                   indebtedness, will be paid in one lump sum:
         More about TM Multi-Generation Legacy Planning                                                                                                            (a) 101% of single premium paid; and
                                                                                                                                                                   (b) a non-guaranteed terminal dividend.
                  1st Generation                                2nd Generation                           3rd Generation
                  Mr Rajoo receives S$3,750                     Mr Rajoo assigns the                                                                               The policy terminates thereafter.
                                                                                                         Upon the passing
                  monthly income from age 55;                   ownership of TM Infinite VIP             of Daniel, his own                                        Note:
                  of which he uses to                           to his son when he returns               family becomes the                                        If the Cash Benefit is payable on annual mode, all monthly Cash Benefits accumulated up to
                  supplement his family                         from his studies at age 25.              beneficiaries and                                         the date of death will be paid without interest.
                  expenses and later sends                                                               receives the death
                                                                Daniel receives the monthly
                  over to his son Daniel                                                                 benefit of S$1.05 million
                                                                income of S$3,750 for the                                               Surrender Benefit          Surrender value is available immediately after the policy is incepted. The Surrender Benefit,
                  as overseas living expenses.
                                                                rest of his life.                                                                                  less any indebtedness, comprises the following:
                                                                                                                                                                   (a) a guaranteed surrender value equivalent to 80% of single premium; and
                                                                                                                                                                   (b) a non-guaranteed terminal dividend.
Notes:
* Based on the assumption that this is the policy anniversary at which Daniel turns age 85.                                                                        Note:
• The above illustration is based on a 12 years old male.                                                                                                          If the Cash Benefit is payable on annual mode, all monthly Cash Benefits accumulated up to
• All figures (except the Single Premium invested and Guaranteed Surrender Value) are inclusive of non-guaranteed dividends.                                       the date of surrender will be paid without interest.
• Figures are rounded to the nearest S$10,000 when expressed in a million.
DIVIDENDS           This plan participates in the performance of the Participating Fund in the form of dividends.      FREE LOOK                    TM Infinite VIP may be cancelled by written request to Tokio Marine Life Insurance Singapore Ltd.
                    These dividends are purely for illustrative purposes in the benefit illustration and are based     CANCELLATION                 (TMLS) within 14 days after the assured has received the policy document; in which case the single
                    on a projected investment rate of return of 4.75% p.a. on the Participating Fund. As these                                      premium paid less expenses incurred in assessing the risk (if any) under the policy will be refunded.
                    dividends are not guaranteed, the actual amount payable may vary according to the future
                    performance of the Participating Fund.                                                                                          If the policy is sent by post, it is deemed to have been delivered in the ordinary course of the post,
                                                                                                                                                    7 days after the date of posting.
                    There are 2 main types of dividends.
Monthly Dividend    The monthly dividend is payable from the 5th policy anniversary (end of 60th month) and it         POLICY LOAN                  Policy loan of up to 80% of total surrender value is available. Prevailing policy loan interest rate
                    forms part of the Cash Benefit.                                                                                                 applies. Future Cash Benefits would first be used to pay off any indebtedness towards the
                                                                                                                                                    policy.
                    The monthly dividend is projected at 1/12th of 3.0% of single premium.
Terminal Dividend   Terminal dividend is a one-off, non-guaranteed dividend that is payable upon                       TERMINATION                  The policy will terminate upon any of the following events:
                    death or surrender.                                                                                                             (a) death of the life assured;
                                                                                                                                                    (b) full payment of the Death Benefit;
                    Terminal dividend on death, expressed as a percentage of single premium paid,
                                                                                                                                                    (c) full surrender of the policy;
                    is projected as follows:
                                                                                                                                                    (d) lapse of the policy;
                             Policy Year                % of Single Premium                                                                         (e) the assured’s written request and TMLS’ acceptance of the application to terminate
                                   1                             0%                                                                                     the policy; or
                                                                                                                                                    (f) any other event which results in the termination of the policy.
                                   2                             1%
                                   3                             2%
                                   4                             3%                                                  This material is for information only and is not a contract of insurance. It is strictly for internal circulation and is not
                             5 and above                         4%                                                  to be reproduced, in whole or in part, for external circulation. The precise terms and conditions of this product are
                    Terminal dividend on surrender, expressed as a percentage of the single premium paid,            specified in the Policy Contract. Please refer to the Benefit Illustration and Product Summary for more details on
                    is projected as follows:                                                                         product features.
                             Policy Year                % of Single Premium
                                                                                                                     This plan is not designed to be marketed via Telemarketing and Direct Marketing.
                                   1                             2%
                                   2                             4%
                                   3                             6%
                                   4                             8%
                                   5                            10%
                                   6                            12%
                                   7                            14%
                                   8                            16%
                                   9                            18%
                            10 and above                        20%

PRODUCT PREMIUM
                    Single premium only.
Payment Modes

Large Sum Assured
                    There is no large sum assured discount.
Discount

UNDERWRITING        Guaranteed Issuance (GIO)

PROPOSAL              Age at entry (min)                         Age 1 next birthday
GUIDELINES            Age at entry (max)                         Age 70 next birthday
                                                                 S$500
                      Minimum Total Monthly Cash Benefit
                                                                 (to be increased in multiples of S$10)
                                                                 S$133,350
                      Minimum Single Premium
                                                                 (for a total monthly Cash Benefit of S$500)
                      Coverage Term                              Whole of Life
                      Currency                                   SGD
                      Source of Funds                            Cash only
                      Backdating                                 Not available
                      Third Party Application                    Available

APPLICABLE RIDERS   No riders are available to be attached to TM Infinite VIP.

NOMINATION          3rd party policies are NOT eligible for nominations.
OF BENEFICIARIES
How TM Infinite VIP works                                                                                                                 Questions You May Have
                                                                                                                                          On TM Infinite VIP
     [Lifetime Income Stream]
                                                                                                                                          TM Infinite VIP is a single premium, participating whole life plan designed to provide a regular stream of income for
                                                                                                                           Total Cash     as long as the life assured is alive.
                                                                                                                            Benefit2
                                    Non-Guaranteed Dividend : 3.0%1 of Single Premium                                                     The first monthly Cash Benefit will start on the 5th policy anniversary. Each monthly Cash Benefit is 1/12th of the following:
                                                                                                                             4.5% of
                                                                                                                                          (a) a guaranteed amount equivalent to 1.5% of single premium; and
                                                                                                                         Single Premium
                                    Guaranteed Cash Benefit : 1.5% of Single Premium                                       per annum      (b) a non-guaranteed dividend equivalent to 3.0%* of single premium.
                                                                                                                             for LIFE     *Based on a projected investment rate of return of 4.75% p.a. on the Participating Fund.
                                 From the   5th   Policy Anniversary, you will receive the monthly Cash Benefits for LIFE

                                                                                                                                          1. What does it mean that TM Infinite VIP is a participating policy?
                                 1. Based on a projected investment rate of return of 4.75% p.a. on the Participating Fund.
                                 2. Each monthly Cash Benefit is 1/12th of the following:
                                                                                                                                             A participating policy is one that participates in the performance of the Participating Life Fund in the form of
          Single Premium            (a) a guaranteed amount equivalent to 1.5% of Single Premium; and                                        bonuses or dividends as in the case of TM Infinite VIP. Such dividends, usually declared on an annual basis, are
            Investment              (b) a non-guaranteed dividend equivalent to 3.0%1 of Single Premium.                                     not guaranteed and may vary, depending on the performance of our Participating Fund.

                                                                                                                                             The Board of Directors, taking into account the written recommendation by our Appointed Actuary, approves
                                                                                                                                             the level of dividends to be distributed each year. Once the dividends are declared, they will be paid out to
     [Surrender Benefit]                                                                                                                     policyholders as part of the Cash Benefits.

                                                                                                                                             In specific reference to TM Infinite VIP, though dividends may be declared on an annual basis, they are paid out
                                                                                                                            Total            to policyholders on a monthly basis, as part of the monthly Cash Benefits. As such, the monthly non-guaranteed
                                    Non-Guaranteed Terminal Dividend                                                      Surrender          dividend rate will be calculated as 1/12th of the prevailing annual dividend rate.
                                                                                                                           Benefit
                     80% of Single Premium as Guaranteed Surrender Value from Policy Day 1                                 100% of
                                                                                                                            Single        2. How does a Participating Policy that pays dividends work?
                                                                                                                          Premium
                                                                                                                                             Here is how a participating policy that pays dividends works:
                                 By the end of policy year 10, the total Surrender Value will be 100% of
                                 Single Premium and will remain at the same level throughout the policy term.                                •   Premiums collected from all TM Infinite VIP policies are pooled with those of other participating policies into
                                                                                                                                                 the Participating Fund.

                                                                                                                                             •   The Fund invests in a range of assets including fixed income instruments (corporate and government bonds),
          Single Premium                                                                                                                         equities, cash and other assets. The proportion invested in each type of asset would be in line with the
            Investment
                                                                                                                                                 Tokio Marine Life Insurance Singapore Ltd’s (“TMLS”) investment strategy.

                                                                                                                                             •   From this Participating Fund, benefits will be paid to you and other policyholders of the Participating Fund
                                                                                                                                                 and to meet the expenses incurred in managing the Fund.
     [Death Benefit]
                                                                                                                                             •   On an annual basis, the Appointed Actuary will present a recommendation to the Board of Directors,
                                                                                                                                                 who in turn approves the level of dividends.
                                 Non-Guaranteed Terminal Dividend
                                                                                                                         Total Death
                                                                                                                           Benefit           •   TMLS will also ensure that future dividends can be supported by the Participating Fund. This is to ensure
                                                                                                                          105% of                the continued financial soundness of the Fund.
                     101% of Single Premium as Guaranteed Death Benefit from Policy Day 1                                  Single
                                                                                                                                             •   Once determined, such dividends will be paid out to the policyholders as part of the Cash Benefits, as in the
                                                                                                                          Premium
                                                                                                                                                 case of TM Infinite VIP.

                                 From Payout Age onwards, the total Death Benefit is 105% of Single Premium
                                 and will remain at the same level throughout the policy term.                                            3. Are there any guidelines on how the levels of dividends are determined to be paid?

                                                                                                                                             There are specific regulations stipulated in the Insurance Act (Chapter 142) pertaining to the amount of surplus
                                                                                                                                             or profits to be allocated.
          Single Premium
            Investment                                                                                                                       The amount of profits that can be transferred to the shareholders is limited to a maximum of 1/9th of the
                                                                                                                                             value of bonuses or dividends allocated to participating policyholders. This means for every S$9 distributed to
                                                                                                                                             policyholders, a maximum of S$1 is distributable to shareholders. This aligns shareholders’ profit objectives to
                                                                                                                                             policyholders’ interests and prevents excessive distribution of profits to shareholders.
Notes:
The above illustrations are not drawn to scale.
Any shortfall in the assets required to meet guaranteed benefits has to be met by shareholders. This means that
   the insurer has the obligation to pay the guaranteed benefits even if the Participating Fund had performed badly.

   TMLS has in place an internal policy on the management of our Participating Fund business which is approved
   and reviewed annually by the Board of Directors.

4. Why does the Participating Fund project a 4.75% p.a. and 3.25% p.a. investment rate of return?

   The two rates, 4.75% p.a. and 3.25% p.a. as illustrated in a benefit illustration, are used purely for illustrative
   purposes and do not represent the upper and lower limits on the investment performance of the Participating
   Fund. The higher rate 4.75% p.a. is the maximum long-term investment rate of return set by the Life Insurance
   Association, Singapore.

   At TMLS, the investment strategy of the Participating Fund seeks to achieve the highest total return while:
   • maintaining an acceptable level of risk for the Participating Fund;
   • maintaining a diversified portfolio; and
   • protecting the relative interests of all policyholders.

   The investment mix broadly comprises 30% equities and 70% fixed income instruments, cash & other assets.

   The investment strategy, reviewed annually, considers the nature and duration of the policy liabilities, long-term
   returns and our solvency position.

5. How are the interests of a TM Infinite VIP policyholder further safeguarded?                                                      This page has been intentionally left blank

   TMLS is a member of the Policy Owners’ Protection Scheme (PPF Scheme) registered under the Monetary
   Authority of Singapore. This scheme, administered by the Singapore Deposit Insurance Corporation, reduces
   the financial impact on policyholders in the event a life insurer under the scheme fails.

   Your TM Infinite VIP policy will automatically be covered under this protection scheme which provides 100%
   protection for the guaranteed benefits up to the applicable caps.

   For further information, you may obtain a copy of the PPF Scheme Consumer Guide via the Singapore Deposit
   Insurance Corporation website at www.sdic.org.sg.

   In addition, TM Infinite VIP has a further layer of guarantee in the form of a parental guarantee which we have
   established with our parent company, Tokio Marine & Nichido Fire Insurance Co. Ltd. (“Parental Guarantor”).

   This parental guarantee covers all financial obligations stated under the terms of an incepted TM Infinite VIP
   policy. Regardless of the reason, should TMLS not be able to make good the required payments to the policy’s
   beneficiary, our Parental Guarantor shall be liable for these payments.

   Notes:
   The above content is collated from the following sources:
   1. Insurance Act (Chapter 142)
   2. Your Guide to Participating Policies
   3. Participating Fund Update
   4. TM Infinite VIP Product Summary
   5. TM Infinite VIP Benefit Illustration

   This section “Questions You May have on TM Infinite VIP” is strictly for information only. You may refer to the above documents
   for more detailed information. The content herein is accurate as at 31 March 2015.

   Important Notes:
   All ages mentioned in this marketing material are based on age next birthday.
   This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd.
   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 insurance plan. The information shown in this marketing material is for
   reference only and is accurate as at 31 March 2015.
   Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high
   costs and the surrender value payable may be less than the total premiums paid. You may wish to seek advice from a
   financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice
   from a financial adviser, you should consider whether the product in question is suitable for you.
This page has been intentionally left blank   This page has been intentionally left blank
About Tokio Marine Life
Insurance Singapore Ltd.
Tokio Marine Life Insurance Singapore Ltd. (TMLS) is part of the
Tokio Marine Holdings Inc. which has over 130 years of history.
As at March 2014, Tokio Marine Holdings Inc. has a market
capitalisation of close to US$24 billion and total assets of around
US$195 billion. With its presence spreading over 486 cities in 38
countries, Tokio Marine is indisputably one of the largest insurance
groups in the world.

TMLS has roots that reach way back to 1948 when The Asia Life
Assurance Society Ltd., one of the earliest insurance firms in
Singapore was established.

In 2007, The Asia Life Assurance Society Ltd. was acquired by
Tokio Marine Group and was renamed TM Asia Life Singapore Ltd,
a subsidiary of Tokio Marine & Nichido Fire Insurance Co Ltd.
before transforming into its present name Tokio Marine Life
Insurance Singapore Ltd. in August 2010.

Driven by Customer-focus, Integrity and Excellence as our core
values, we endeavour to be your preferred insurance partner for life.

These values are encapsulated in our mission statement, which
calls for inspiring trust in our products and services; for TMLS to
be a responsible citizen in our community. As a fitting testament
to our strong financial strength and commitment and as part of our
mission to be a responsible citizen, we acquired our own building,
the iconic, environmentally friendly, Tokio Marine Centre that now
sits prominently in McCallum Street.

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                                                       MAR 2015
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