Tokio Marine TM Retirement GIO Review

Tokio Marine TM Retirement GIO product details

Read about: The Complete Guide to Retirement Planning (Updated)

• Life policy – Annuity
• Provides annual Cash Benefits for as long as you live, starting from the selected payout age which comprises of a guaranteed amount (2% of the sum assured) and a non-guaranteed annual dividend (3.8% of the sum assured)
• Death coverage is provided
• Premium Payment Terms available: 5, 10 or 15 years
• Payout Ages available: age 55, 60 or 65
• Guaranteed acceptance (no medical underwriting is required)
  
  

Read about:  Why your retirement planning starts now

Read about: 3 Best Retirement plans and Annuity policies in Singapore (Updated)

Features of Tokio Marine TM Retirement GIO at a glance

Cash and Cash Withdrawal Benefits 
Cash value: Yes
Cash withdrawal benefits: Yes

Health and Insurance Coverage
Death: Yes
Total Permanent Disability: No
Terminal Illness: No
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
Cancer Waiver Rider
(Enhanced) Payer Benefit Rider
Cancer Income 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 Retirement GIO may be suitable if you are looking for

Tokio Marine TM Retirement GIO may potentially be a good fit if the following matters to you:

• Lifetime regular cash payout
• Saving regularly over a period of time
• Insurance options without medical underwriting
• Do not need access to the funds until retirement
• To potentially generate higher financial returns compared to bank accounts
  
  

Tokio Marine TM Retirement GIO may not suitable if you are looking for

Tokio Marine TM Retirement GIO may potentially be a bad fit if the following matters to you:

• Health and Protection coverage
• High insurance coverage for Death or Terminal Illness
• Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
• Lump sum payout upon maturity
• A one-time premium commitment with no further cash commitment
• Potentially higher financial returns compared to a pure investment product.
• Insurance policy with a high surrender value in the early years of the policy.
  
  

Further considerations on Tokio Marine TM Retirement GIO

• How is Tokio Marine or Tokio Marine TM Retirement GIO investment returns based on historical performance?
• How does Tokio Marine TM Retirement GIO compare with Endowment policy from other insurance companies?
• Can Tokio Marine TM Retirement GIO fulfil my financial, insurance, health and protection needs?
  
  

The above information may not fully highlight all the product details and features on Tokio Marine TM Retirement GIO. Talk to us or seek advice from a financial adviser before making any decision about Tokio Marine TM Retirement GIO.

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 Retirement GIO suitable for me?