• Guaranteed annual cash benefit:
  TM Wealth Enhancement (CashBack) pays annual guaranteed cash benefit equivalent to 5% of sum assured¹ starting from the end of the 1^st year until one year before your policy matures. You also have the option to reinvest the cash benefits with us to earn even more interest². Whichever option you choose, you reap all the benefits!
• Guaranteed maturity benefit:
  TM Wealth Enhancement (CashBack) goes that extra mile by giving you a guaranteed maturity benefit over and above the annual cash benefits you have received. Your investment will enjoy benefits as follows:

  Policy Term (Years)	% of Sum Assured
  	Total Annual Cash Benefits	Guaranteed Maturity Benefit	Total Benefit
  8	35%	68%	103%
  10	45%	60%	105%
  15	70%	38%	108%
  20	95%	15%	110%

• One time investment
  A minimum S$25,000 investment is all you need to kick-start this plan and start enjoying its benefits.
• Hassle-free application
  Do away with the hassle of a medical check-up. You can start this plan immediately with guaranteed acceptance.
• Attractive returns:
  It is important that your endowment plan gives your hard earned savings that extra boost. The annual cash benefits and the maturity benefit payable have the potential to bring you the following investment returns:

  Policy Terms (Years)	Projected Yield to Maturity3,4 (p.a.)
  	8	2.50%
  10	2.89%
  15	3.33%
  20	3.56%

• Additional financial security for you
  
  You are also covered by an Accidental Death Benefit⁵. This benefit covers you for an additional amount equivalent to the sum assured over and above the death benefit.
• Policy term options
  
  The plan offers different policy term options of 8, 10, 15 and 20 years. Plan to have multiple policies to have the policy benefits meet with the different milestones in your life – a child’s graduation gift, another child’s wedding gift, your spouse’s birthday party, your own wedding anniversary party or even a gift for your first grandchild! Whatever the milestone, celebrate it with the benefits you reap from the plan!

Disclaimers

¹ The sum assured of this plan is 101% of single premium.

² The prevailing interest rate of 3.75% p.a. which is non-guaranteed.

³ The Projected Yield to Maturity and Projected Maturity Benefits include both guaranteed and non-guaranteed benefits. As the bonus rates are not guaranteed, the actual benefits payable may vary according to the future performance of the Participating Fund.

⁴ The Projected Yield to Maturity is calculated based on the assumption that the annual cash benefits are deposited with us at the prevailing non-guaranteed interest rate of 3.75% p.a..

⁵ On Accidental Death, an additional benefit equivalent to 100% of the sum assured is payable. Accidental Death Benefit is applicable until the policy anniversary on which the life assured is age 70.

All ages mentioned in this web page are based on age next birthday.

This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd and all proposals are subject to financial underwriting and acceptance.All benefits 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 is for reference only and is accurate as at 1 March 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. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.

This document is published for information and general circulation only and does not have regard to your specific investment objectives, financial situation and your particular needs.

No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by SBI and it should not be relied upon as such.