What is TokioMarine-iLifeGuard¹?
This is a regular premium investment-linked plan that offers you coverage for death and Total and Permanent Disability (TPD). At age 99, the plan will pay Sum Assured and Fund Value (if any). Be rewarded upon occurrence of one of the Life Celebration Events! The plan offers flexible coverage term until age 60, 65, 70, 75, 80, 85, 90 or 99 next birthday. Regardless of choice of expiry, the plan will automatically be extended until age 99. The plan also come with comprehensive optional coverage that can customize according to individual needs.
Product Literature
Plan overview
- Coverage Term
- Up to age 60, 65, 70, 75, 80, 85, 90 or 99 next birthday
- Premium Payment Term
- Same as Coverage Term
- Entry Age
- 12-week-old unborn baby or anyone aged 30 days old to 70 years old
1 PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY IS SUBJECT TO LIMITATIONS.
Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).
Why is it important to you?
Here are some reasons why you should consider purchasing TokioMarine-iLifeGuard.
Affordable
Starting from as low as RM100 per month, you can be protected with basic coverage and various riders’ coverage that may suit your needs.
Secure Coverage even before birth
You can enroll a 12-week-old unborn baby to ensure the baby’s future is safe-guarded.
No Lapse Guarantee
Your coverage will be secured for the first 5 policy years regardless of market performance.
Auto Extension Option
Policy continue to cover until age 99 upon original policy expiry.
Comprehensive and Customizable Plan
You may choose from a wide range of optional benefits including health & hospitalization benefits, accidental protection and critical illness protection to attach to this plan.
Is this right for you?
How to decide if this plan is suitable for you?
This is suitable if you want:
✔︎ Coverage for your unborn child or yourself
✔︎ Protection plan with potential investment return
✔︎ Insurance plan with wide range of optional benefits
This is not suitable if you want:
✖︎ Guaranteed savings plan
✖︎ To have a short premium paying term
What does this plan provide you?
These are the benefits you get when you purchase this plan.
- TPD benefit is subject to RM 8 million for all policies on the same life. The TPD coverage will cease when the Life Assured has attained age 70 next birthday.
- The insurance charges and the policy charges are not guaranteed and we reserve the right to revise the rate applicable by giving a 90-day advance notice.
We've got you covered
You may attach additional riders to enhance your protection.
Additional lump sum payment upon diagnosis of any covered critical illnesses or admission events, get rewarded upon no claim.
Lump sum payout upon diagnosis of any covered critical illnesses or admission events which paid amount will reduce the Sum Assured of the basic plan, get rewarded upon no claim.
Provide coverage for critical illness conditions from early stage critical illnesses to advanced stage critical illnesses.
Provides customised hospitalization and medical coverage up to age 99 to suit your affordability and needs. This plan also comes with Saver and Co-Saver options to save on the insurance cost.
AcciShield
Provides compensation upon death or Total Permanent Disability (TPD) of the Life Assured in the event of accidental injuries. AcciMed and AcciIncome are optional riders that can be attached to this rider.
AcciMed
This rider is attachable to AcciShield rider. It reimburses the medical expenses and ambulance fees incurred by the Life Assured to treat his/her accidental injuries.
iLife Waiver Plus
Premium payable will be waived upon the Life Assured suffering from TPD prior to age 70 or is diagnosed with any covered critical illnesses.
iPayor Waiver
Premium payable will be waived upon death, TPD or diagnosis of any covered critical illnesses of the Policy Owner.
iLife Booster
Pays a lump sum amount equivalent to the rider's Sum Assured when the Life Assured pass away before the rider expires.
What are the available fund options?
Click here for funds available from high to low risk according to your investment / wealth accumulation needs.
Important Information
This plan is underwritten by Tokio Marine Life Insurance Malaysia Bhd. All benefits and features herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 30 May 2024.
Buying life insurance is a long term commitment. If you surrender the policy in the early years, the amount you get back may be less than amount that you have paid in.
Note: You should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.
Have a question? Speak to our friendly agents.
Click on ‘Get in touch’ for more assistance
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Tokio Marine Life Insurance Malaysia Bhd. 199801001430 (457556-X)
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