Tokio Marine TM KidStart (II) Review

The complete Pros and Cons on Tokio Marine TM KidStart (II)

Tokio Marine TM KidStart (II) product details

  • Life policy – Endowment and Saving policy
  • Guaranteed EduFund – Receive 3 payouts which increase progressively over the last 3 policy years – 40%, 45% and 50% of basic sum assured respectively – fully guaranteed, to help cope with rising inflation and tuition fees
  • Waiver of premium in the event of specific childhood medical conditions – Waive future premiums for the basic plan should the child be diagnosed with any of the following childhood medical conditions – autism, severe asthma or leukemia
  • Life Insurance Coverage – Provide insurance cover in the event of death and total and permanent disability (TPD) of the child
  • Sibling Cover – Offer immediate insurance coverage to the child’s future sibling(s)
  • Secure the insurability of your child at maturity with the option to purchase a new regular premium whole life or endowment policy, up to the basic sum assured of the matured policy, regardless of any change in health to your child
  • Premium Payment Terms available: 5, 10 or 15 years
  • Policy Terms available: Up to age 20, 21, 22 or 23 of the child

Tokio Marine TM Kid Start (II) is a common search alternative for Tokio Marine TM KidStart (II).

Read AboutEndowment and Saving policy: How does it work?

Read AboutEndowment and Saving policy: Is it the best option?

Features of Tokio Marine TM KidStart (II) at a glance

Cash and Cash Withdrawal Benefits 

Cash value: Yes
Cash withdrawal benefits: Yes

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: Yes
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders

Payer Benefit Rider
Enhanced Payer Benefit Rider
Spouse Rider
Enhanced Spouse Rider
KidAssure GIO Rider

Additional Features and Benefits

Yes.

For further information and details, refer to Tokio Marine website. Alternatively, fill up the form below and let us advise accordingly.

Read aboutEffects of compounding returns

Read about3 things to consider before taking up a new financial product

Tokio Marine TM KidStart (II) may be suitable if you are looking for

Tokio Marine TM KidStart (II) may potentially be a good fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • A hassle-free application without medical underwriting
  • Short to medium term endowment and savings plan
  • To saving regularly over a period of time
  • To potentially generate higher financial returns compared to bank accounts

Tokio Marine TM KidStart (II) may not be suitable if you are looking for

Tokio Marine TM KidStart (II) may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Lifetime regular cash payout
  • A one-time premium commitment with no further cash commitment
  • Potentially higher financial returns compared to a pure investment product.
  • Insurance policy with a high surrender value in the early years of the policy.

Further considerations on Tokio Marine TM KidStart (II)

  • How is Tokio Marine or Tokio Marine TM KidStart (II) investment returns based on historical performance?
  • How does Tokio Marine TM KidStart (II) compare with Endowment policy from other insurance companies?
  • Can Tokio Marine TM KidStart (II) fulfil my financial, insurance, health and protection needs?

The above information may not fully highlight all the product details and features on Tokio Marine TM KidStart (II). Talk to us or seek advice from a financial adviser before making any decision about Tokio Marine TM KidStart (II).

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.

Is Tokio Marine TM KidStart (II) suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

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Before you go...
Tokio Marine TM KidStart (II) may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
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