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What is TM Retirement GIO Plus (II)?
It is a participating whole life plan that pays out a yearly retirement income for life, starting from the 5th policy anniversary.
Product information
Plan overview
- Plan term
- Whole life
- Issue age
- 40–65
Why TM Retirement GIO Plus (II)?
Benefits at a glance.
Retirement income for life
Receive a yearly cash benefit for life from the 5th policy anniversary which consists of a non-guaranteed annual dividend.
Short 5-year premium payment term
No long-term commitment. Save for only 5 years.
Guaranteed acceptance
No health check required.
Capital preservation
Starting from the 5th policy anniversary, 100% of the total annual premiums paid1 is guaranteed.
1 This refers to the total annual premiums paid for the basic plan, even if the premium mode is monthly, quarterly or half-yearly, excluding any premium loadings and interest paid for loans and reinstatement (if applicable) under the policy.
Peace of mind.
Receive death and terminal illness protection throughout the policy term.
Is this right for you?
How to decide if this plan is suitable for you.
This is suitable if you want:
✔ Lifetime income from as early as 5 years after the start of your policy.
✔ Easy application without medical underwriting.
This is not suitable if you want:
✖ High death coverage.
✖ A one-time premium commitment.
✖ A lump sum payout upon retirement.
What it gives you
Features of TM Retirement GIO Plus (II).
We've got you covered
Additional riders to enhance your protection.
Payer Benefit Rider / (Enhanced) Payer Benefit Rider
Future premiums will be waived in the event of death, Total and Permanent Disability and/or upon diagnosis of any of the covered critical illnesses.
Cancer Waiver Rider
Future premiums will be waived in the event of diagnosis of Major Cancers.
Covers death, child-related illnesses and provides a hospitalisation benefit. In addition, 80% of the premiums paid will be refunded upon the survival of the juvenile life assured on the policy anniversary when he/she reaches age 19.
Important Information
All ages mentioned in this website are based on age next birthday. All benefits and features mentioned herein are subject to terms and conditions of the policy. You must refer to the Policy Contract for the precise terms and conditions of this plan.
This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd. and is only available through our authorised distributors. Kindly obtain the required product disclosures and seek advice from a financial adviser before making a commitment to purchase this plan. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. It is also detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.
For policies distributed in Singapore: This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme, as well as the limits of the coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information shown in this webpage is for reference only and is correct as at July 2021.
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