Tokio Marine TM Term 99 Review
The complete Pros and Cons on Tokio Marine TM Term 99
Tokio Marine TM Term 99 is a term life policy that gives you lifelong coverage and rewards you for living a long life. At age 99, the sum assured will be paid out as a lump-sum expiry benefit.
Tokio Marine TM Term 99 product details
- Non-participating policy – Term policy
- Option to convert this to a whole life or endowment plan with no health checks needed
- Insurance Coverage
- Be covered 100% of Sum Assured against Death, Total and Permanent Disability, and Terminal Illness
- Expiry Benefit
- Receive 100% of Sum Assured if you live till age 99 and no claim is made
- Policy Term
- Choose to be covered up to age 65, 75 or 99
- Optional Add-ons
- Available riders to waive premiums in the event you are diagnosed with multi-stage critical illness or major cancer
Read About: Term Policy: How does it work?
Read About: 3 things to consider before taking up a new financial product
Tokio Marine TM Term 99 at a glance
Cash and Cash Withdrawal Benefits
Cash value: Yes
Cash withdrawal benefits: No
Health and Insurance Coverage
Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
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
- Early Critical Illness Premium Waiver Rider
- Waiver of Premium 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.
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Tokio Marine TM Term 99 may be suitable if you are looking for
Tokio Marine TM Term 99 may potentially be a good fit if the following matters to you:
- High insurance coverage against Death, Total and Permanent Disability, and Terminal Illness
- Premium stays the same and doesn’t increase as you age
- Looking to boost insurance coverage or fill shortfalls in your insurance portfolio
- Insurance policy that gives you the full coverage amount when you reach age 99
Tokio Marine TM Term 99 may not be suitable if you are looking for
Tokio Marine TM Term 99 may potentially be a bad fit if the following matters to you:
- Long-term cash accumulation
- Regular cash payout
- A one-time premium commitment with no further cash commitment
- Insurance policy with a surrender value
- High insurance coverage against Early Critical Illness and Critical Illness
Further considerations on Tokio Marine TM Term 99
- How is Tokio Marine or Tokio Marine TM Term 99 payout and claims based on past track record?
- How does Tokio Marine TM Term 99 compare with Term policies from other insurance companies?
- Can Tokio Marine TM Term 99 fulfill my financial, insurance, health, and protection needs?
The above information may not fully highlight all the product details and features on Tokio Marine TM Term 99. Talk to us or seek advice from a financial adviser before making any decision about Tokio Marine TM Term 99.
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 Term 99 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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