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Investment Linked Plan

TM Harvest Flexi: Cultivating Your Financial Future with Flexibility

In today's dynamic financial landscape, securing your future while maintaining flexibility is paramount. Enter TM Harvest Flexi, an innovative investment-linked plan (ILP) that combines life insurance protection with investment opportunities. This unique product from Tokio Marine Life Insurance Singapore Ltd. offers a 3-year premium commitment, allowing you to build wealth and protect your loved ones simultaneously. With features like 100% premium investment, multiple bonus payouts, and customizable options, TM Harvest Flexi stands out as a versatile solution for those seeking to nurture their financial growth while adapting to life's changing circumstances.

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How Investment-Linked Plans (ILPs) Work

Investment-Linked Plans (ILPs) offer a unique blend of life insurance protection and investment opportunities. With TM Harvest Flexi, 100% of your regular premium is invested into investment fund(s) of your choice, allowing you to potentially grow your wealth over time. The plan provides a range of fund options with varying risk levels, catering to different investment appetites and financial goals. As an ILP, part of your premium goes towards providing life insurance coverage, while the remainder is invested in your chosen funds. This structure allows you to benefit from potential market gains while maintaining a safety net of insurance protection. The flexibility of ILPs enables you to adjust your coverage and investment strategy as your needs evolve, making it a dynamic financial tool for long-term wealth accumulation.

TM Harvest Flexi Insurance Coverage

TM Harvest Flexi offers comprehensive insurance coverage to protect you and your loved ones. The plan provides essential financial protection against unforeseen circumstances, ensuring peace of mind as you build your wealth. Let's explore the key insurance benefits offered by this innovative product:

Death Benefit

TM Harvest Flexi provides financial protection for your beneficiaries in the event of your passing. The death benefit ensures that your loved ones receive a lump sum payout, helping them maintain financial stability during difficult times.

Total and Permanent Disability (TPD) Benefit

In case of total and permanent disability, TM Harvest Flexi offers financial support to help you cope with the challenges ahead. This benefit provides a lump sum payout, assisting you in managing your expenses and maintaining your quality of life.

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TM Harvest Flexi Rider Options

TM Harvest Flexi offers optional riders to enhance your protection and tailor the plan to your specific needs. These riders provide additional coverage for various scenarios, allowing you to create a comprehensive insurance solution. While the product details don't specify the exact riders available, it's mentioned that optional riders can be added for protection against unforeseen circumstances. To get more information about the specific rider options and their benefits, it's recommended to speak with a Tokio Marine Representative who can provide detailed insights based on your individual requirements.

TM Harvest Flexi Investment Component

TM Harvest Flexi offers a robust investment component, allowing you to grow your wealth while enjoying insurance protection. The plan provides access to a wide array of best-in-class curated investment funds, enabling you to diversify your portfolio and align your investments with your financial goals. Let's explore the key aspects of the investment component:

Diverse Fund Options

TM Harvest Flexi provides access to a wide range of investment funds, including dividend-paying funds. This allows you to diversify your portfolio and potentially generate passive income or reinvest for enhanced wealth accumulation.

Investment Strategies

The plan offers flexibility in investment strategies, allowing you to choose funds that align with your risk appetite and financial objectives. You can opt for growth-oriented funds or more conservative options based on your preferences.

Fund Switching

TM Harvest Flexi offers unlimited fund switches, allowing you to adjust your investment allocation as market conditions or your financial goals change. This flexibility enables you to optimize your portfolio over time.

Performance Bonuses

The plan introduces a first-in-the-market Performance Investment Bonus, available from as early as Year 4. This unique feature rewards your investment success, potentially boosting your returns over time.

Fees and Charges

Understanding the fees and charges associated with TM Harvest Flexi is crucial for making an informed decision. While the product details don't provide specific percentages or amounts for each charge, it's important to note that the plan aims to optimize your policy value by limiting policy investment charges. Here's an overview of the typical fees and charges you might encounter:

Premium Allocation

TM Harvest Flexi invests 100% of your regular premium into your chosen investment funds, maximizing your investment potential from the start.

Policy Administration

There may be a policy administration charge to cover the cost of managing your policy. The exact amount is not specified in the provided details.

Fund Management

Fund management charges may apply to cover the costs of managing the investment funds. TM Harvest Flexi aims to limit these charges to optimize your policy value.

Surrender Charges

Early termination of the policy may incur surrender charges. It's important to note that surrendering early could result in receiving less than the total premiums paid.

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Flexibility and Customization

TM Harvest Flexi lives up to its name by offering exceptional flexibility and customization options. These features allow you to adapt your policy to changing life circumstances and financial goals. Here's an overview of the key flexibility and customization options available:

Premium Top-ups

TM Harvest Flexi allows unlimited top-ups, enabling you to invest additional funds when you have extra capital. This feature helps you maximize your investment potential and take advantage of market opportunities.

Partial Withdrawals

The plan offers the flexibility to make partial withdrawals, allowing you to access your funds when needed. This feature provides financial liquidity without fully surrendering your policy.

Premium Holiday

While not explicitly mentioned, the plan suggests flexibility in premium payments. You may have the option to pause premium payments temporarily, which can be helpful during financial constraints.

Adjustable Coverage

TM Harvest Flexi allows you to adjust your insurance coverage as your needs change. This flexibility ensures that your protection remains aligned with your life stage and financial circumstances.

Conclusion

TM Harvest Flexi offers a compelling solution for individuals seeking a balance between wealth accumulation and life protection. This innovative investment-linked plan is particularly well-suited for: