TM Legacy LifeFlex. Flexible whole of life plan to customise your protection cover. tokiomarine.com Life & Health Property & Casualty

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1 TM Legacy LifeFlex Flexible whole of life plan to customise your protection cover Tokio Marine Life Insurance Singapore Ltd. tokiomarine.com Life & Health Property & Casualty

2 Benefit Snapshot 1. Flexibility to boost your coverage based on your needs 2. Protection coverage of up to 10x 3. Income for life starting from age Guaranteed premiums for Critical Illness (CI) cover 5. EarlyCare covers 117 medical conditions/procedures About the Plan TM Legacy LifeFlex is a participating whole of life plan designed with flexibility to increase your coverage through the Boosters 1. With TM Legacy LifeFlex, you will be covered against death, Terminal Illness (TI) and Total and Permanent Disability 2 (TPD). It is ideal for those who want to enjoy high protection cover when they are actively employed and want to receive income for life 3 during their golden years.

3 1 2 3 Benefits of the Plan Up to 10x coverage Have the flexibility to customise your plan to enjoy high coverage in the prime of your life. Simply choose to boost your protection up to 10x the coverage provided under the plan via our Boosters 1 during your income earning years. 10x 8x 5x 3x 2x Boost your coverage up to 10x TM Legacy LifeFlex Choice of premium payment terms You can choose your premium payment term that best suits your financial needs 10 4, 15, 20 or 25 years. Guaranteed and level premiums for greater certainty As the premium rates for TM Legacy LifeFlex and CI cover are guaranteed, you need not worry about a sudden rise in your premiums during the selected premium payment term. With such assurance, you can now better plan your finances. Income for life in retirement years Look forward to receiving a lifetime of non-guaranteed annual dividends from age 65, which you can spend as you wish for your retirement needs.

4 Critical Illness cover We know that having CI cover is important especially during your employment years. It is during this period that we save and set aside savings for our children s education and for our retirement. Inadequate CI cover may take away a substantial portion of your hard-earned savings. Now with our new CI Accelerator Booster 1, you can guard yourself with 10x protection cover against 36 CIs. This way, not only will you enjoy high protection during your working years, but you can be assured that your loved ones will not be financially burdened over high medical costs, should any of the 36 CIs strike. EarlyCare cover In recent years, Singaporeans are more health conscious and are going for preventive health checks, which has helped in the early detection of illnesses. While early detection helps to improve the survival rate, it also means that you need to have adequate insurance cover for all stages of illnesses, so that a substantial portion of your savings is not depleted to pay for your medical expenses. With our EarlyCare 5 you can enjoy protection against a total of 117 medical conditions/ procedures of different stages of severity - Early, Intermediate and Advanced. To help you with the financial burden that comes with early detection, the early stage claim limit of S$200,000 or 100% of the sum assured (whichever is lower), will be given to you as a lump sum. This way, you can focus on recovering without worrying about your finances. In the event that you need to make more than one claim for early stage illness, you may do so, as long as there is still remaining coverage under EarlyCare. Source: More Singaporeans going for health checks, The Straits Times, 14 March 2011.

5 EarlyCare also provides you with a Special Benefits 6 for 9 Special Conditions and a Juvenile Benefits 7 for 9 Juvenile Conditions: Special Conditions 1. Diabetic Complications 2. Osteoporosis 3. Severe Rheumatoid Arthritis 4. Dengue Haemorrhagic Fever 5. Breast Reconstructive Surgery following a Mastectomy 6. Crohn s Disease 7. Ulcerative Colitis 8. Pheochromocytoma 9. Wilson s Disease Juvenile Conditions 1. Insulin Dependent Diabetes Mellitus 2. Kawasaki Disease 3. Osteogenesis Imperfecta 4. Severe Haemophilia 5. Rheumatic Fever with Valvular Impairment 6. Severe Juvenile Rheumatoid Arthritis 7. Type I Juvenile Spinal Amyotrophy 8. Glomerulonephritis with Nephrotic Syndrome 9. Rabies Wellness Benefit Enjoy a lifetime Wellness Benefit 8 of S$100 every two years, regardless of any prior claims. This is just our way of supporting you on the journey towards a healthier you.

6 Illustration Mr Lim Age 30, non-smoker TM Legacy LifeFlex + EarlyCare (S$) TM Legacy LifeFlex + EarlyCare 10x^ (S$) Coverage 500, ,000 TPD 500, ,000 EarlyCare which covers Early, Intermediate and Advanced stages of CI 500, ,000 Biennial Wellness Benefit Annual dividends 9 received from age 65 onwards, for life 5,000 per annum 500 per annum Annual Premium 13,650 4,977 Premium Payment Term 25 years 25 years ^ TM Legacy LifeFlex + EarlyCare (10x) refers to addition of optional Boosters of 9x.

7 1 All Boosters are optional non-participating benefits on TM Legacy LifeFlex to boost up the protection coverage until the policy anniversary on which the life assured is age TPD benefit is provided until the policy anniversary on which the life assured is age Starting from the policy anniversary on which the life assured is age 65, a non-guaranteed annual dividend will be payable as long as the life assured is alive. 4 Minimum entry age for 10 year premium payment term is Premium rates for EarlyCare Rider and EarlyCare Booster are non-guaranteed. Tokio Marine Life Insurance Singapore Ltd. (TMLS) reserves the right to change the premium rate by giving 30 days written notice. 6 The cover for the Special Benefits are provided up to age 85 under EarlyCare Rider. Each Special Condition is payable once per life, subject to a maximum of S$25,000, inclusive of all other insurance taken up with TMLS. A maximum of 5 claims are allowed. 7 The cover for the Juvenile Benefits are provided up to age 19 under EarlyCare Rider and EarlyCare Booster. Each Juvenile Condition is payable once per life, subject to a maximum of S$25,000, inclusive of all other insurance taken up with TMLS. A maximum of 5 claims are allowed. 8 Wellness Benefit is only offered with the EarlyCare Rider. 9 The dividends are based on a projected investment rate of return of 4.75% p.a. on the Participating Fund. As these dividends are not guaranteed, the actual amount payable may vary according to the future performance of the Participating Fund. All ages mentioned in this marketing material are based on age next birthday. 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. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be 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 5 April 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 2016, Tokio Marine Holdings Inc. has a market capitalisation of close to US$25 billion and total assets of around US$194 billion. With its presence spreading over 483 cities in 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 APR2018