TM Nest Egg (GIO CashBack)
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1 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
2 Singapore is one of the most expensive cities to live in. According to a study done in 2013 by The Economist, Singapore is the world s 6 th most expensive city to live in. It is also the 2 nd most expensive in Asia, after Japan. Rank 1 Japan Tokyo Rank 2 Japan Osaka Rank 3 Australia Sydney Rank 4 Norway Oslo Rank 5 Australia Melbourne Rank 6 Singapore Rank 7 Switzerland Zurich Rank 8 France Paris Rank 9 Venezuela Caracas Rank 10 Switzerland Geneva Saving regularly is a challenge since we live in an expensive country. Source: Worldwide Cost of Living 2013, The Economist Intelligence Unit, How much should you be saving each month? Saving 20% of your monthly income is a healthy benchmark for good saving habits. An independent study done in 2013 found that only 4 out of 10 workers saved more than 20% of their monthly income. This means 60% of Singapore workers are not saving enough. 60% of Singapore workers are not saving enough. It is important to save up for rainy days and for all your future commitments. Source: Survey Results: Are you a saver or spender? JobsCentral Survey reveals the savings habits of Singapore workers, JobsCentral, 1 December 2013.
3 Necessary expenditure makes it even tougher to save. Necessities such as food, transport, allowances for kids and ageing parents, groceries and housing account for bulk of the expenses. Cutting back on these is next to impossible. Singapore workers spend mostly on necessities. Monthly paychecks are mainly spent on: 69.6% Food 57.3% Transportation 51.1% Allowances for parents or children 45.9% Shopping or Groceries 37.5% Accommodation 23.6% Entertainment 15.1% Holidays Those at the Managerial level are most likely to spend their salary on leisure activities. 37.3% 30.6% 41.3% 43.0% Administrative Staffs Associate Professionals / Technicians Professionals / Executives Managers / Directors Besides necessities, occasionally splurging on food and travel can also deplete your savings. Source: Survey Results: Are you a saver or spender? JobsCentral Survey reveals the savings habits of Singapore workers, JobsCentral, 1 December 2013.
4 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 the Plan Benefits of the Plan Saving for tomorrow while enjoying today s luxuries Saving for the future requires balancing your financial needs and wants today. While it is important to save for the future, you want to be able to enjoy the moment today. TM Nest Egg (GIO CashBack) is a limited pay, participating endowment plan which provides you with a stream of guaranteed yearly cash benefits so you can enjoy today s luxuries while saving for tomorrow. Guaranteed yearly cash benefit You will receive a guaranteed yearly cash benefit from the second policy anniversary to one year before the policy matures. It is up to you, how you would like to use it. You can either withdraw your yearly cash benefit to spend it as you like or simply reinvest 1 it with us to earn interest 2. These yearly cash benefits are on top of your maturity proceeds. Whichever option you choose, you will be rewarded for your savings! Capital guaranteed 3 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.
5 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 potential return of up to 3.8% p.a. is based on an illustrated investment rate of return of 4.75% p.a. For an illustrated investment rate of return of 3.25% p.a., the potential return is up to 2.5% p.a. Guaranteed acceptance This is a guaranteed acceptance plan with no medical underwriting 6 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 Payment Terms (Years) Available Policy Terms (Years) 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 times 7 of your yearly cash benefits and any accumulated bonuses 5. Be protected as you save towards your goals In the event of any unforeseen events, you are also covered by a death benefit 8. Enjoy enhanced protection with our optional riders 6 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.
6 Illustration Life Assured Profile Annual Premium Guaranteed Yearly Cash Benefit Premium Payment Term Policy Term Michael Age 30, male and non-smoker S$8, S$3, years 15 years From the second policy anniversary onwards, Michael starts receiving a guaranteed yearly cash benefit of S$3,250 Year 1 Year 2 Paid an annual premium of S$8, for 10 years 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. 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, 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: % p.a. and 3.25% p.a. (for other premium payment terms and policy terms) % 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).
7 Illustrated maturity benefit of S$65,216 5 Year 10 Year 14 Maturity The above illustration is based on an illustrated investment rate of return of 4.75% p.a. For an illustrated investment rate of return of 3.25% p.a., the illustrated maturity benefit is S$54,145. 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 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 ( or Information shown in this marketing material is for reference only and is correct as at 2 July 2018.
8 About Us Tokio Marine Life Insurance Singapore Ltd. is part of Tokio Marine Group which has over 130 years of history. As at March 2017, Tokio Marine Holdings Inc. has a market capitalisation of close to US$32 billion and total assets of around US$204 billion. With its presence spreading across 38 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. We are committed to bring meaningful product solutions to meet your individual and corporate insurance needs. Driven by Customer-focus, Integrity and Excellence as our core values, we endeavour to be your preferred insurance partner for life. Speak to your preferred Adviser or visit (Company Reg. No.: D) 20 McCallum Street, #07-01 Tokio Marine Centre, Singapore T: (65) F: (65) E&OE JUL2018
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