Are you looking for a flexible investment option that can adapt to your changing life stages while providing insurance coverage? TM Wealth Aspire, offered by Tokio Marine Life Insurance Singapore Ltd., might be the solution you're seeking. Let's dive deep into this investment-linked plan (ILP) and explore how it can help you achieve your financial goals.

TM Wealth Aspire is a single premium whole life, investment-linked plan designed to grow your wealth while providing insurance coverage. It's a versatile financial tool that allows you to invest in a range of diversified funds, make top-ups, switch funds, and withdraw money as your needs change. Plus, it offers a death benefit to protect your loved ones.

One of the most attractive aspects of TM Wealth Aspire is its accessibility . You can start your investment journey with as little as S$5,000. This low entry point makes it easier for a wider range of individuals to begin growing their wealth, regardless of their current financial situation.

You have two convenient payment options:

1. Cash (available in Singapore Dollars only)

2. Supplementary Retirement Scheme (SRS)

This flexibility allows you to choose the most suitable option based on your financial planning strategy.

While the primary focus of TM Wealth Aspire is on growing your wealth, it also provides a crucial safety net for your loved ones. In the unfortunate event of your death, the plan pays out the higher of:

• 105% of your Net Premium , or

• 100% of your policy value

This ensures that your beneficiaries receive a meaningful payout, even if market conditions have negatively impacted your investment value.

Note: Net Premium is defined as the sum of single premium and all top-up premiums, less all amounts withdrawn.

Life is unpredictable, and your financial needs can change over time. TM Wealth Aspire recognizes this and offers several flexible features :

Unlike many insurance products, TM Wealth Aspire offers guaranteed acceptance with no medical underwriting required . This means you don't have to go through health checks or answer detailed medical questions to qualify for the plan. However, financial underwriting is still required to ensure the plan aligns with your financial situation.

TM Wealth Aspire offers a range of funds to suit different risk appetites and investment goals. Whether you prefer high-risk, high-yield options or more conservative, steady-growth funds, you can find suitable choices within the plan's offerings.

Important: The value of the units in these funds can rise or fall, and past performance doesn't guarantee future results. Always review the Product Summary and Product Highlights Sheet for detailed information about the available funds before making your selection.

Before investing in TM Wealth Aspire, consider the following:

1. Investment Risks: Like all investments, TM Wealth Aspire carries risks, including the possible loss of your principal amount.

2. Long-Term Commitment: Life insurance policies, including ILPs, are designed for long-term financial planning. Early termination can result in high costs and low surrender values.

3. Fees and Charges: Be aware of all fees and charges associated with the plan, as these can impact your overall returns.

4. Professional Advice: It's recommended to seek advice from a financial adviser before committing to this plan to ensure it aligns with your financial situation and goals.

5. Policy Protection: In Singapore, this policy is protected under the Policy Owners' Protection Scheme administered by the Singapore Deposit Insurance Corporation (SDIC).

TM Wealth Aspire offers a flexible and accessible way to invest for your future while providing some insurance protection. Its low entry point, adaptable features, and diverse fund options make it an attractive choice for many investors. However, like all investment products, it comes with risks and requires careful consideration.

Remember, the best investment strategy is one that aligns with your personal financial goals, risk tolerance, and life stage. While TM Wealth Aspire offers many benefits, it's crucial to thoroughly understand the product and seek professional advice before making a decision.

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