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Tokio MarineLife Insurance Singapore Ltd.

TM Apex VIP

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

“All progress occurs because peopledare to be different”- Harry Millner

You haven’t made your impact in life by being just like everyone else.

You are unique. And so is TM Apex VIP.

TM Apex VIP 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 99.

We can only make a difference by being different

1 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.

GROWING YOUR INVESTMENT

What is TM Apex VIP?

TM Apex VIP 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 VIP requires a minimum single premium of

USD100,000.

How does it work?

Scenario 1

Demise of Mr. Lin at age 50

His policy value is

USD250,000 – the highest

monthly value attained since

he joined. Mr. Lin’s family

receives USD250,000,

a legacy payout of 125%

of the initial single premium.

Scenario 2

Demise of Mr. Lin at age 70

The policy value is

USD230,000, but the highest

monthly value locked in

of USD310,000 will be paid

at the time of death 2.

Mr. Lin leaves behind

USD310,000, 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 USD310,000. Even though

the current policy value is

only USD260,000, Mr. Lin

receives the full USD310,000,

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.

Age 40 Age 50 Age 60 Age 70 Age 80 Age 90 Age 99

Mr Roger Lin, 40,

invests USD200,000 in TM Apex VIP

Highest monthly

value

Po

licy

Va

lue

USD260K

USD230K

USD310K

USD250K

USD200K

PROTECTING YOUR LEGACY

Maximise returns, managing risks

Legacy

The wealth you have created was never meant to last just one generation.

Use TM Apex VIP 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 VIP 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 VIP 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 USD300,000 in TM Apex VIP and chooses to distribute wealth equally to his 2 children

Charlie Lin

receives 50% of the highest monthly value, which is

at least USD150,000

Sally Lin

receives 50% of the highest monthly value, which is

at least USD150,000

Upon Mr. Lin’s demise, his children will receive the highest policy value.

Diversified asset / portfolio

To obtain a well-diversified portfolio, TM Apex VIP 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

Upward equity market momentum:

Your money is invested in equities and bonds.

Equities

Bonds

Equities 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.

Upwards

Downwards

Managing market volatility

Cash

Bonds + Equities

Cash

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.

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 USD50,000 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.

TM Apex VIP AT A GLANCEBENEFITS

Death Benefit Equivalent to the higher of:• Highest monthly value; or• Policy value

Insured Event Death only

PREMIUMS & PREMIUM ALLOCATION RATE

Minimum Single PremiumMaximum Single Premium

USD100,000For Single Premium USD500,000 and above, please refer to your Adviser for more information.

Premium Allocation Rate 100% of the single premium will be allocated

FLEXIBILITY

Partial Withdrawal Minimum: USD5,000, subject to a policy value of at least USD50,000 after each partial withdrawal

Surrender Benefit 100% of the policy value is payable, less surrender charge (if applicable)

FEES & CHARGES

Bid-Offer Spread There is no bid-offer spread.

Administrative Charge 1.80% p.a. of the policy value.This charge (1.80% ÷ 12) will be deducted monthly for as long as the policy is in force.

Note: This charge may vary depending on when 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)

Minimum: 30Maximum: 65

Payment Methods Demand DraftTelegraphic Transfer

Currency USD only

Coverage Period Up to age 99

Underwriting No medical underwriting is required. Financial underwriting will be applicable.

Third Party Application Allowed

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, if any, 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. This

advertisement has not been reviewed by the Monetary Authority of Singapore.

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 (www.lia.org.sg or www.sdic.org.sg).

Information shown in this marketing material is for reference only and is correct as at 1 February 2019.

The underlying fund of the ILP Sub-Fund offered under TM Apex VIP 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-to-day 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”).

YOUR INVESTMENTS ARE IN EXPERIENCED HANDS

(Company Reg. No.: 194800055D) 20 McCallum Street,#07-01 Tokio Marine Centre,Singapore 069046T: (65) 6592 6100F: (65) 6223 9120

Speak to your preferred Adviseror visit www.tokiomarine.com

About Us

E&OE FEB2019

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.