TM Apex ULTRA. A unique single premium US dollar investment-linked policy that pays out highest value.

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1 TM Apex ULTRA A unique single premium US dollar investment-linked policy that pays out highest value. Tokio Marine Life Insurance Singapore Ltd. tokiomarine.com Life & Health Property & Casualty

2 All progress occurs because people dare to be different - Harry Millner

3 We can only make a difference by being different You haven t made your impact in life by being just like everyone else. You are unique. And so is TM Apex ULTRA. TM Apex ULTRA is a market first Singapore s only single premium US dollar investment-linked policy that pays out the highest monthly value 1 of the policy in the event of death or at age The monthly value is the policy value locked in at a specific date of the month. This may not be the highest policy value in that month. The first monthly value is equal to the single premium when you join.

4 GROWING YOUR INVESTMENT What is TM Apex ULTRA? TM Apex ULTRA invests in a well-diversified fund and it locks in the highest monthly value of the policy after you join. Simply make a one-time investment and rest easy knowing that you are growing your wealth even in an uncertain investment environment. As the fund grows, the highest monthly value of the policy will be locked in as a payout upon death or at age 99. You can be sure that your beneficiaries will receive the highest monthly value even if the policy value is lower at the time of death. In other words, you can mitigate the market downside and enjoy upside opportunities in returns without giving your investment a second thought! With 100% of your premium allocated to your investment, you can take comfort knowing that every dollar is put to work for you. TM Apex ULTRA requires a minimum single premium of USD500,000.

5 How does it work? Mr Roger Lin, 40, invests USD1 million in TM Apex ULTRA Policy Value USD1.55m USD1.3m Highest monthly value USD1.25m USD1.15m USD1m Age 40 Age 50 Age 60 Age 70 Age 80 Age 90 Age 99 Scenario 1 Demise of Mr. Lin at age 50 His policy value is USD1.25m the highest monthly value attained since he joined. Mr. Lin s family receives USD1.25m, a legacy payout of 125% of the initial single premium. Scenario 2 Demise of Mr. Lin at age 70 The policy value is USD1.15m, but the highest monthly value locked in of USD1.55m will be paid at the time of death 2. Mr. Lin leaves behind USD1.55m, a legacy payout of 155% of the initial single premium. Scenario 3 Mr. Lin reaches age 99 2 Since Mr. Lin joined, the highest monthly value locked in is USD1.55m. Even though the current policy value is only USD1.3m, Mr. Lin receives the full USD1.55m, a payout of 155% of the initial single premium. 2 Upon death or at age 99, a lump sum is paid based on the highest of: a) The highest monthly value locked in from the start of the policy (adjusted by partial withdrawals, if any); b) The capital you have invested (adjusted by partial withdrawals, if any); or c) The policy value at that time.

6 PROTECTING YOUR LEGACY Maximise returns, managing risks Legacy The wealth you have created was never meant to last just one generation. Use TM Apex ULTRA as part of your estate planning strategy to ensure that your wealth carries through to your next generation and beyond. Accumulate wealth The unique lock-in value feature of TM Apex ULTRA makes it an excellent tool to facilitate your accumulation of wealth. The moment you invest, you have the peace of mind knowing your wealth is locked in at the highest monthly value 1, 2. Allocate wealth to loved ones Make a positive difference with the wealth you leave behind. TM Apex ULTRA enables you to allocate wealth to your loved ones without any fuss. You have the autonomy to dictate the distribution according to your pre-stated wishes. The funds transfer is enacted as soon as applicable. Mr. Roger Lin, 50, invests USD1 million in TM Apex ULTRA and chooses to distribute wealth equally to his 2 children Upon Mr. Lin s demise, his children will receive the highest policy value. Charlie Lin receives 50% of the highest monthly value, which is at least USD500,000 Sally Lin receives 50% of the highest monthly value, which is at least USD500,000

7 Diversified asset / portfolio To obtain a well-diversified portfolio, TM Apex ULTRA invests in a range of both global bonds and equity markets. The asset mix is regularly re-balanced based on market developments, hence allowing the portfolio to adjust to market risk and capitalise on the returns. The rules-based investment process is illustrated below: Accounting for equity market movements Downwards Bonds Upwards Equities Bonds Equities Upward equity market momentum: Your money is invested in equities and bonds. Downward equity market momentum: We invest a lower proportion of your money in equities and more in bonds. This ensures that your downside risk is managed while enjoying the upside of the markets. Managing market volatility Cash Cash Bonds + Equities Bonds + Equities High market volatility: The market is less stable so we invest less of your money in bonds and equities and hold more in cash. Low market volatility: The market is more stable so we invest more of your money in bonds and equities and hold less in cash.

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9 EASY ACCESS AT EVERY STAGE Hassle-free application no health assessment required There is no requirement for medical underwriting, which means you don t need to provide your medical history or undergo a medical examination. Flexible withdrawal options You can tap into your investment any time you want either by making a partial withdrawal 3 or full surrender 4. 3 Partial withdrawals must be a minimum of USD5,000 and there must be a remaining policy value of at least USD100,000 after each partial withdrawal. Surrender charges apply for partial withdrawals during the first 5 policy years. Each partial withdrawal reduces your highest monthly value that has been locked in proportionally. 4 Upon full surrender, 100% of the policy value is payable and surrender charges apply in the first 5 policy years.

10 TM Apex ULTRA AT A GLANCE BENEFITS Death Benefit Insured Event Equivalent to the higher of: Highest monthly value; or Policy value Death only PREMIUMS & PREMIUM ALLOCATION RATE Minimum Single Premium Maximum Single Premium USD500,000 Subject to financial underwriting Premium Allocation Rate 100% of the single premium will be allocated FLEXIBILITY Partial Withdrawal Surrender Benefit Minimum: USD5,000, subject to a policy value of at least USD100,000 after each partial withdrawal 100% of the policy value is payable, less surrender charge (if applicable) FEES & CHARGES Bid-Offer Spread Administrative Charge There is no bid-offer spread. 1.70% p.a. of the policy value. This charge (1.70% 12) will be deducted monthly for as long as the policy is in force. This charge will vary depending on whether the policy is purchased. Fund Management Charge 0.65% p.a. of the asset value of the fund applicable on a daily basis. This is accounted for in the fund unit price. Surrender Charge Applicable for the first 5 policy years 10% / 8% / 7% / 6% / 5% of the withdrawal / surrender amount. The surrender charge will apply to partial withdrawals as well as full surrender. POLICY & ISSUANCE GUIDELINES Entry Age (age next birthday) Payment Methods Currency Minimum: 30 Maximum: 65 Demand Draft Telegraphic Transfer USD only Coverage Period Up to age 99 Underwriting Third Party Application No medical underwriting is required. Financial underwriting will be applicable. Allowed

11 YOUR INVESTMENTS ARE IN EXPERIENCED HANDS The underlying fund of the ILP Sub-Fund offered under TM Apex ULTRA is managed by MEAG Luxembourg S.à r.l. (the underlying fund manager ), a wholly owned subsidiary of the MEAG Group ( MEAG ). MEAG is one of the leading asset managers in the insurance sector and a major asset management force in the European financial industry with assets under management of EUR 253 billion (31 December 2017). MEAG forms an integral part of Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München ( Munich Re ), one of the world s leading players in the reinsurance industry and an expert on global & local risk solutions. MEAG is responsible for virtually all the investments of Munich Re, also manages the capital of partners from outside the company group, bundles extensive know-how in all key asset classes under one roof and is a multiple award-winner as an asset manager. MEAG Luxembourg S.à r.l. has been incorporated in Luxembourg and serves in its capacity as UCITS management company of the underlying fund. It is subject to the supervision of the Luxembourg supervisory authority for the financial sector (CSSF), is governed by Chapter 15 of the Luxembourg law of 17 December 2010 on undertakings for collective investment, and is a 100% subsidiary of MEAG MUNICH ERGO Kapitalanlagegesellschaft mbh in Munich (the underlying fund investment manager ). The underlying fund investment manager has been entrusted with the day-today implementation of the investment policy of the underlying fund and is an investment firm within the meaning of the German Capital Investment Code (Kapitalanlagegesetzbuch, KAGB ), and is supervised by the Federal Financial Supervisory Authority (BaFin) in Germany. The underlying fund manager and the underlying fund investment manager are neither registered with nor licensed by the Monetary Authority of Singapore, do not hold themselves out to the public in Singapore as an investment adviser and do not intend to provide investment advisory services to the public or to any unaffiliated third party located in Singapore. It should be noted that the underlying fund is not directly available to the retail public in Singapore, and the underlying fund manager and underlying fund investment manager do not intend to provide investment advisory services to Singapore retail investors. The underlying fund is set up under the Luxembourg law of 17 December 2010 on undertakings for collective investment and subject to the supervision of the Luxembourg supervisory authority for the financial sector. The underlying fund is reserved for eligible investors as laid down in its sales prospectus, will be registered with the Monetary Authority of Singapore as a restricted scheme constituted outside of Singapore. It may only be offered or sold, or be made the subject of an invitation for subscription or purchase, to persons in Singapore who qualify as institutional or accredited investors in accordance with the conditions set out in the Securities and Futures Act of Singapore (the SFA ). Tokio Marine Life Insurance Singapore Ltd. reserves the right to change the fees and charges by giving 30 days written notice. All illustrations in this marketing material are not drawn to scale. The figures shown are hypothetical and are for illustration purposes only. All ages mentioned in this marketing material are based on age next birthday. All mention of monthly value and highest monthly value refer to monthiversary policy value and sum assured respectively in the product summary and policy contract. 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. It does not have regard to your financial situation, specific investment objectives and any of your particular needs. Kindly obtain the required product disclosures and seek advice from a financial adviser before making a commitment to purchase this plan. Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The value of the units may rise as well as fall. Past performance is not necessarily indicative of future performance and the performance of the ILP sub-fund(s) is non-guaranteed. A potential investor should read the Product Summary and Product Highlights Sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s). 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 5 July 2018.

12 About Us Tokio Marine Life Insurance Singapore Ltd. is part of Tokio Marine Group, which has over 130 years of history. As of March 2017, Tokio Marine Holdings Inc. has a market capitalisation of close to USD32 billion and total assets of around USD204 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 bringing 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