Tokio Marine #goInvest Review
The complete Pros and Cons on Tokio Marine #goInvest
Tokio Marine #goInvest puts all your premiums to work with multiple bonuses to boost your investments with a variety of riders to waive future premiums should the unexpected happen.
Tokio Marine #goInvest product details
- Life Policy – Investment-linked policy
- Withdrawals can be made free of charge
- Available riders to waive premiums should the unexpected happen
- Premium Payment Term
- You can choose to pay premiums in SGD, AUD, GBP, USD or EUR
- You can choose a Minimum Contribution Period (MCP) of 5 years, 10 years, 10 years (variable), or 20 years (variable)
- Death Coverage Option
- Advanced Death Benefit – During the MCP, receive 101% of the policy value or net premiums paid, whichever is greater
- Basic Death Benefit – Receive 101% of the policy value
- Initial Bonus
- Receive an initial bonus of up to 108% paid over 4 years
- Yearly Loyalty Bonuses
- Receive a yearly loyalty bonus of up to 1.3% per annum from the 5th year onwards
- Additional Yearly Bonuses
- Receive an additional yearly bonus of up to 0.5% per annum from the 5th year onwards up till the end of the MCP
Read about: Investment-Linked Policy: Is it the best option?
Read about: 3 best Investment Linked Policies in Singapore (Updated)
Features of Tokio Marine #goInvest at a glance
Cash and Cash Withdrawal Benefits
- Cash value: Yes
- Cash withdrawal benefits: Yes
Health and Insurance Coverage
- Death: Yes
- Total Permanent Disability: No
- 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
- Cancer Waiver Rider
- Early Critical Illness Premium Waiver Rider
- Waiver of Premium Rider
- Payer Benefit, Spouse Rider
- Enhanced Payer Benefit, Enhanced Spouse 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 about: Effects of compounding returns on your investments
Read about: 5 ways to beat inflation in Singapore
Tokio Marine #goInvest may be suitable if you are looking for
Tokio Marine #goInvest may potentially be a good fit if the following matters to you:
- To participate in the long-term financial returns of investing
- To pay premiums for 5 to 20 years only
- Full-forced Investment-Linked Policy with low insurance coverage
- Able to take investment risks and comfortable with financial market volatility.
- Potentially higher financial returns compared to traditional Endowment and Whole Life Policy.
- Insurance options without medical underwriting
Read about: An introduction to Investment Linked Policy
NEW Feature: Compare investment-linked policies across insurance companies using the CompareNOW feature on InterestGuru.sg.
Tokio Marine #goInvest may not suitable if you are looking for
Tokio Marine #goInvest may potentially be a bad fit if the following matters to you:
- Health and Protection coverage
- High Death and Terminal Illness coverage
- Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
- Lump-sum investment with no further financial commitment
- Guaranteed financial returns in the long-run
- Insurance policy with a high surrender value in the early years of the policy
- Expecting an urgent need for withdrawal during a financial market downturn
Further considerations on Tokio Marine #goInvest
- How is Tokio Marine or Tokio Marine #goInvest investment returns based on historical performance?
- How does Tokio Marine #goInvest compare with Endowment policy from other insurance companies?
- Can Tokio Marine #goInvest fulfill my financial, insurance, health, and protection needs?
The above information may not fully highlight all the product details and features of Tokio Marine #goInvest. Talk to us or seek advice from a financial adviser before making any decision about Tokio Marine #goInvest.
Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering to take up.
Where can I compare the payout and benefits of Investment Linked Policies?
Before committing to an insurance policy, it certainly pays to make an effort to compare. Specific product features, benefits, and payouts will differ more than you think across insurance companies. Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?
Use our Compare NOW feature to receive the most competitive quotes on Investment linked Policies.
Alternatively, you just need to provide us with a couple of details below.
Is Tokio Marine #goInvest 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.
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