What is TokioMarine-iRich Premier¹ & iCashGain Premier² / TokioMarine-iRich¹ & iCashGain²?
This is a limited pay Investment-Linked insurance plan that provides Guaranteed Cash Payment (GCP) annually and customer is protected against death and Total or Permanent Disability (TPD). Additional 200% of Basic Sum Assured is payable upon death due to accident.
Product Literature
Plan overview
- Premium Payment Term & Coverage Term
- 6 Pay 20 Years | 10 Pay 20 Years | 20 Pay 30 Years
- Entry Age
- 14 days old to 50/55/60 years old, depending on selected package
1 PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY IS SUBJECT TO LIMITATIONS.
2 The benefit(s) payable under iCashGain/ iCashGain Premier is protected by PIDM up to limits.
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-iRich Premier & iCashGain Premier / TokioMarine-iRich & iCashGain.
High Annual Guaranteed Cash Payment
Enjoy yearly GCP starting from the end of the 1st policy year with iCashGain Premier / iCashGain. iCashGain Premier enjoys GCP Booster, where there will be a payment of double GCP for every 10th policy year.
GCP and GCP Booster will be reinvested into your selected investment-linked funds wealth growth.
High Non-Medical Limit
No medical check-up is required for coverage up to RM 4 million, subject to your age, health condition and plan choice.
Financially Protected
Designed to protect you against Death or TPD, while growing your wealth.
Lump sum payout at Maturity
Total Fund Value is payable upon maturity. TokioMarine-iRich Premier enjoys Loyalty Bonus on top of Fund Value upon maturity.
Potential Investment Gain
Invest into professionally managed fund(s) for potential gain.
Is this right for you?
How to decide if this plan is suitable for you?
This is suitable if you want:
✔︎ Combination of both Savings and Protection
✔︎ Limited premium payment terms
This is not suitable if you want:
✖︎ High protection coverage
✖︎ Medical coverage
What does this plan provide you?
These are the benefits you get when you purchase this plan.
- Maximum amount payable for TPD is RM 8 million per life. TPD benefit will cease at the policy anniversary immediately following the Life Assured has attained age 70 years old next birthday.
- Maximum additional amount payable for Accidental Death is RM 2 million per life for Life Assured age 16 next birthday and below, and RM10 million per life for Life Assured age 17 to 70 next birthday. The accidental death benefit will cease at the policy anniversary immediately following the Life Assured has attained age 70 years old next birthday.
We've got you covered
You may attach additional riders to enhance your protection.
iLife Waiver Rider
Premium payable will be waived upon diagnosis of any covered critical illnesses of the Life Assured.
iPayor Waiver Rider
Premium payable will be waived upon death, TPD or diagnosed of any covered critical illnesses of the Policy Owner.
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 11 August 2023.
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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