Product Literature

We've got you covered

You may attach additional riders to enhance your protection.

Waiver of Premium on Dread Disease Plus²

Waive TokioMarine-Optimizer future premiums when Life Assured is diagnosed with any covered critical illness.

Product Disclosure Sheet (EN)

PDF, 211.12 KB

Product Disclosure Sheet (BM)

PDF, 244.28 KB

Enhanced Waiver of Premium Rider Plus²

Waive TokioMarine-Optimizer future premiums when Policy Owner pass away, suffers from TPD or is diagnosed with any covered critical illness.

Product Disclosure Sheet (EN)

PDF, 210.28 KB

Product Disclosure Sheet (BM)

PDF, 243.21 KB

¹The benefit(s) payable under eligible policy is protected by PIDM up to limits. PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY IS SUBJECT TO LIMITATIONS.

²The benefit(s) payable under eligible product 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-Optimizer.

Short, Level & Guaranteed Premiums

You can choose the premium payment term of 6 or 10 years where premiums are fixed throughout the premium payment term.

Annual Guaranteed Cash Payment & Guaranteed Maturity Benefit

Receive guaranteed cash payments from end of year 1 to year 24 and guaranteed maturity benefit upon completion of 25-year tenure.

Potential Investment Gains

Premium paid will be allocated to your preferred Investment-Linked funds. With this, you will enjoy greater potential investment returns.

Is this right for you?

How to decide if this plan is suitable for you?

This is suitable if you want:

✔︎ A savings plan which provides guaranteed cash payments

✔︎ Limited premium payment terms

This is not suitable if you want:

✖︎ To have a long premium payment term

✖︎ Pure protection product

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 benefit will cease when the Life Assured has attained age 70 next birthday.
The maximum additional amount payable for Accidental Death is RM 10 million per life for all individual life policies under Tokio Marine Life. The additional amount payable upon Accidental Death will cease to be payable when the Life Assured has attained age 70 next birthday.

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 25 April 2018.

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.

This page has been designed to help you better understand the financial product you are about to purchase. You are advised to read and understand the information provided.

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.