In today's uncertain world, ensuring the financial security of your loved ones is more important than ever. Did you know that protection needs have risen 25% since 2012? Or that the average mortality protection coverage in Singapore should be 9 to 10 times your annual income? These statistics highlight the growing importance of having adequate life insurance coverage. If you're looking for a flexible, affordable, and comprehensive term life insurance plan, TM Term Assure (II) might be the solution you've been searching for.
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TM Term Assure (II) is a regular-premium term insurance plan offered by Tokio Marine Life Insurance Singapore Ltd. It's designed to protect your loved ones against life's uncertainties by providing a lump sum payout in the event of death, total and permanent disability (TPD), or terminal illness. This plan stands out for its flexibility, affordability, and comprehensive coverage options.
Adjust your coverage as your needs change . Increase cover, renew, or convert your plan easily. Choose from a wide range of coverage terms.
High level of protection at an affordable price . Premiums start from as low as S$2.20 a day.
Option to enhance with critical illness and disability riders. Coverage for TPD until age 85 or end of policy term .
Increase coverage at important life milestones without additional health checks . Convert to whole life or endowment plans. Guaranteed renewal privilege.
Select your preferred currency: SGD, USD, GBP, or AUD.
A lump sum payout to your beneficiaries in the event of your passing.
Financial protection if you become totally and permanently disabled, with coverage extending up to age 85 .
A lump sum payout if you're diagnosed with a terminal illness.
Additional Insurance: Increase coverage at key life events without health checks . Conversion Privilege: Convert to whole life or endowment plans. Renewal Privilege: Renew coverage after the original term ends.
Choose from: 5 or 10-year renewable terms , or 11 years up to age 85 fixed terms.
Increase coverage without health checks at life milestones like: Marriage or divorce, Birth or adoption of a child, Graduation from tertiary education, Property purchase.
Select from SGD, USD, GBP, or AUD.
Enhance your coverage with: Critical Illness (CI) Accelerator Rider, Early Critical Illness (ECI) Accelerator Rider, Protect 1 Lite Rider (disability coverage).
TM Term Assure (II) is designed to provide high coverage at an affordable price. For example:
Remember, premiums remain the same throughout the policy term for fixed-term policies.
Provides a payout upon diagnosis of Major Stage Critical Illnesses.
Covers Juvenile Conditions and Special Conditions . Includes Early, Intermediate, and Major Stages of Critical Illnesses.
Pays a monthly disability benefit if you lose the ability to perform just one of the six Activities of Daily Living (ADL) . Benefit provided for up to 72 months.
Su Lin, a 29-year-old marketing manager, purchases a TM Term Assure (II) plan with an Early Critical Illness Accelerator Rider. At age 34, she's diagnosed with early-stage colon cancer and receives an immediate payout of S$250,000 , helping cover treatment costs and allowing her to focus on recovery.
Steven, a startup founder, takes a TM Term Assure (II) plan to protect his business against the loss of his key employee, Charles. When Charles unexpectedly passes away, Steven's company receives a S$2 million payout , helping to sustain the business during this critical transition period.
Flexibility: Adapt your coverage as your life changes
Affordability: High protection at competitive rates
Comprehensive: Optional riders for critical illness and disability
Long-term TPD Coverage: Protection up to age 85
Guaranteed Insurability: Increase coverage at key life events without health checks
Multiple Currency Options: Choose the currency that suits you best
Backed by Tokio Marine: Part of a global insurance group with over 140 years of history
While TM Term Assure (II) offers many benefits, it's important to consider:
TM Term Assure (II) offers a flexible, affordable, and comprehensive solution for protecting your loved ones or your business. With its range of coverage options, guaranteed insurability features, and optional riders, it can be tailored to meet your changing needs throughout different life stages.
However, as with any financial decision, it's important to carefully consider your personal situation, protection needs, and long-term financial goals before committing to a policy. While TM Term Assure (II) offers many attractive features, it's crucial to compare it with other options in the market and seek professional advice.
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