Tokio Marine Life Insurance Singapore is part of the Tokio Marine Holdings Inc. which has over 130 years of history. As at March 2013, Tokio Marine Holdings Inc. has a market capitalisation of close to US$22 billion and total assets of around US$191 billion. With its presence spreading over 456 cities in 37 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. This information is accurate as at August 2014. (Company Reg. No.: 194800055D) 20 McCallum Street #07-01 Tokio Marine Centre Singapore 069046 T: 6592 6100 F: 6223 9120 W: www.tokiomarine-life.sg E&OE NOV2013 1 The MB factor is determined based on age next birthday at entry. The MB is derived by multiplying the MB factor to the basic sum assured. MB covers until age 70 next birthday. Thereafter, the death and TI benet reverts to the basic sum assured plus any attaching bonuses. 2 These bonuses are based on a projected investment rate of return of 4.75% p.a. on the Participating Fund. As these bonuses are not guaranteed, the actual amount payable may vary according to the future performance of the Participating Fund. 3 TPD Benet is provided until the policy anniversary on which the Life Assured is age 65 next birthday. 4 Premium rates for DD Accelerator Rider and EarlyCare Rider are not guaranteed. Tokio Marine Life Insurance Singapore Ltd. reserves the right to change the premium rate by giving 30 days written notice. This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd. All benets and features mentioned herein are subject to terms and conditions of the policy. You must refer to the policy contract for the precise terms and conditions of this insurance plan. The information shown in this brochure is for reference only and is accurate as at 1 November 2013. Note: Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid. Life may be unpredictable but nancial security does not have to be. For more information, visit www.tokiomarine-life.sg Minimum Benet Feature TM Legacy Plus gives you the nancial security when you need it most. The plan guarantees an immediate insurance cover of up to 2.5 times the sum assured till age 70 1 . Thereafter, the policy with its value building up over time, pays the sum assured plus any attaching bonuses 2 . Heres what it means: Financial Security TM Legacy Plus provides nancial security in the event of Death, Total & Permanent Disability (TPD) 3 or Terminal Illness (TI). To further enhance your cover, simply add on a Dread Disease (DD) 4 Accelerator Rider to have nancial security if one of the 30 dread diseases strikes. Alternatively, add on an EarlyCare Rider 4 for nancial security over an even wider coverage of up to 91 medical conditions / procedures arising from Special Conditions and dread diseases at different stages of severity. A Lifetime of Security Without a Lifetime of Premiums TM Legacy Plus has a limited premium payment feature. This frees you from long -term premium obligations to focus on your loved ones and other more important things in your life. Choose premium payment periods of 5, 10, 15, 20, or 25 years. Whichever way, you will enjoy lifetime peace of mind. Benets of the Plan TM Legacy Plus Showering your family with love. Giving them security and peace of mind. Illustration TM Legacy Plus is designed as a solution to income replacement or legacy planning needs by providing a guaranteed Minimum Benet 1 (MB). This Minimum Benet guarantees you additional insurance coverage while your policy builds up its value over time. Heres the Plan Entry Age Sum Assured MB Factor Minimum Benet 1 1 - 31 S$100,000 2.50 S$250,000 32 - 34 S$100,000 2.40 S$240,000 35 - 39 S$100,000 2.30 S$230,000 40 - 44 S$100,000 2.00 S$200,000 45 - 49 S$100,000 1.75 S$175,000 50 and above S$100,000 1.45 S$145,000 At Age Protection (based on MB 1 ) Savings (Guaranteed Surrender Value + Bonuses 2 ) 40 S$250,000 S$16,665 50 S$250,000 S$48,613 60 S$250,000 S$82,195 70 S$250,000 S$123,383 Life Assured Andrew Prole Age 30, male and non-smoker Sum Assured S$100,000 MB factor for age 30 next birthday 2.50 Guaranteed Minimum Benet S$250,000 Annual Premium S$2,535 Premium Payment Term 20 years Policy Term Whole Life