TM Nest Egg (GIO CashBack) - Tokio Marine
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TM Nest Egg (GIO CashBack) Saving for tomorrow while enjoying today’s luxuries Tokio Marine Life Insurance Singapore Ltd. tokiomarine.com Life & Health | Property & Casualty
Benefit Snapshot
1. Attractive returns upon maturity
2. Guaranteed yearly cash benefits
3. Capital guaranteed
4. Guaranteed acceptance
5. Choice of premium payment terms and policy terms
About 1 Benefits of
2
the Plan 3 the Plan
Saving for tomorrow while Guaranteed yearly
enjoying today’s luxuries cash benefit
Saving for the future requires balancing your You will receive a guaranteed yearly
financial needs and wants today. While it is cash benefit from the second policy
important to save for the future, you want to anniversary to one year before the policy
be able to enjoy the moment today. matures. It is up to you, how you would
like to use it. You can either withdraw
TM Nest Egg (GIO CashBack) is a limited pay, your yearly cash benefit to spend it as
participating endowment plan which provides you like or simply reinvest1 it with us to
you with a stream of guaranteed yearly cash earn interest2. These yearly cash benefits
benefits so you can enjoy today’s luxuries are on top of your maturity proceeds.
while saving for tomorrow. Whichever option you choose, you will be
rewarded for your savings!
Capital guaranteed3
Every dollar you contribute as premiums
will be returned to you upon policy
maturity. This way, you need not worry
about losing your hard-earned savings.Attractive returns of up to 3.8% p.a.
TM Nest Egg (GIO CashBack) can potentially provide returns of up to 3.8%4,5 p.a. upon maturity.
You may use these payouts as a reward to indulge yourself or save up for bigger goals.
The above illustrated return of up to 3.8% p.a. is based on an illustrated investment rate of return
of 4.75% p.a. At an illustrated investment rate of return of 3.25% p.a., the illustrated return is up
to 2.5% p.a.
Guaranteed acceptance
This is a guaranteed acceptance plan with no medical underwriting6 so you can start
accumulating your wealth almost immediately.
Flexible premium payment terms and policy terms available
You may select an option that best suits your financial goals:
Available Premium
Available Policy Terms (Years)
Payment Terms (Years)
5 10 15 20 –
10 – 15 20 25
15 – – 20 25
20 – – – 25
Maturity benefit
At the end of the policy term, you will receive a lump sum maturity benefit comprising a
guaranteed payout of up to 16 times7 of your yearly cash benefits and any accumulated
bonuses5.
Be protected as you save towards your goals
In the event of any unforeseen events, you are also covered by a death benefit8.
Enjoy enhanced protection with our optional riders6
To boost your protection coverage, you can choose to add on any of our available premium-
waiving type of riders to waive off your premiums, should the unfortunate happen.Illustration
Life Assured Michael
Profile Age 30, male and non-smoker
Annual Premium S$8,645.65
Guaranteed Yearly Cash Benefit S$3,250
Premium Payment Term 10 years
Policy Term 15 years
Illustrated
maturity
From the second policy anniversary onwards, benefit of
Michael starts receiving a guaranteed yearly S$65,2165
cash benefit of S$3,250
Year Year Year Year Maturity
1 2 10 14
Paid an annual premium of S$8,645.65 for 10 years
The above illustration is based on an illustrated investment rate of return of 4.75% p.a.
At an illustrated investment rate of return of 3.25% p.a., the illustrated maturity benefit is S$54,145.1
The option to deposit the guaranteed yearly cash benefit is provided at Tokio Marine Life
Insurance Singapore Ltd.’s (TMLS) discretion and may be withdrawn at anytime.
2
The prevailing non-guaranteed interest rate is 3.50% p.a. and is subject to change with 30 days’
written notice.
The non-guaranteed interest rate is 3.50% p.a. and 2.00% p.a. when the illustrated investment
rate of return is 4.75% and 3.25% p.a. respectively.
3
Applicable to annual premium payment mode only. It refers to the total annual premiums paid
for the basic plan, even if the premium mode is monthly, quarterly or half-yearly, excluding any
premium loadings and interest paid for loans and reinstatement (if applicable) under the policy.
4
Based on the profile of a 1-year old female, premium payment term of 5 years and policy term of
20 years, paid-out option and guaranteed yearly cash benefit of S$15,000.
5
The illustrated maturity benefit includes a guaranteed benefit and non-guaranteed bonuses.
Bonuses are based on the following illustrated investment rates of return on the Participating
Fund:
- 4.75% p.a. and 3.25% p.a. (for other premium payment terms and policy terms).
- 4.65% p.a. and 3.15% p.a. (for premium payment term of 5 years with policy term of 10 years)
As these bonuses are not guaranteed, the actual amount payable may vary according to the
future performance of the Participating Fund.
6
Riders may be subject to full underwriting.
7
Depending on the premium payment term and policy term selected. Refer to Product Summary
for details.
8
In the event of death of the life assured, a death benefit comprising the following, less any
indebtedness, will be payable in one lump sum - 105% of total annual premiums paid,
accumulated reversionary bonuses and any guaranteed yearly cash benefits accumulated with
TMLS plus accumulated interest (if paid-out option is not selected).
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.
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 marketing material is for reference only and is correct as at 1 June 2019.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-095-13052020-06072020 (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 JUL2020You can also read
