Tokio Marine Wealth@Future Review

Tokio Marine Wealth@Future is a whole life, regular premium Investment Linked Policy optimised for wealth acumulation with zero policy charges after year 10.

Tokio Marine Wealth@Future product details

• Life Policy – Investment-linked policy
• Welcome Bonus
  • Boost investment with Initial Bonus of up to 50% of regular premium
• Maximise Wealth Accumulation
  • ZERO Policy Charges after Minimum Investment Period (Year 10)
• Choose your premiums currency
  • You have a choice of 5 currencies to invest in: SGD, USD, GBP, AUD and EUR.
• Flexibility
  • Greater flexibility to make partial withdrawals, fund switches, currency choices, top-ups and recurring single premium
• Policy continuity
  • Enrol up to 4 life assureds to extend protection to your loved ones.
• Build your wealth
  • Maximise your gains with 100% of your regular premium invested into funds.
• Protection Coverage
  • Capital guarantee upon death with Advanced Death Benefit
  • No medical underwritng required
    
    

Read about: How Pre-exisiting medical conditions can affect your insurance applications

Read about: 6 Best Investment Linked Policies in Singapore (Updated)

Features of Tokio Marine Wealth@Future 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: Yes
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
Early Critical Illness Premium Waiver Rider
Waiver of Premium Rider
Payer Benefit Rider, Spouse Rider
Enhanced Payer Benefit, Enhanced Spouse 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.

Read about: Effects of compounding returns on your investments

Tokio Marine Wealth@Future may be suitable if you are looking for

Tokio Marine Wealth@Future may potentially be a good fit if the following matters to you:

• To participate in the long-term financial returns of investing
• A full-forced investment-linked policy with minimal insurance coverage
• Able to take investment risks and comfortable with financial market volatility
• Regular-pay premium term investment plan
• Take unlimited premium holidays after the end of the minimum investment period
• Potentially higher financial returns compared to traditional Endowment and Whole Life policies.
• Insurance options without medical underwriting
  
  

Read about: An introduction to Investment Linked Policy

Read about: Investment-Linked Policy: Is it the best option?

Tokio Marine Harvest Max may not be suitable if you are looking for

Tokio Marine Wealth@Future may potentially be a bad fit if the following matters to you:

• Health and Protection coverage
• High Death and Terminal Illness coverage
• Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
• Guaranteed financial returns in the long run
• Single premium investment option with no further financial commitment
• Insurance policy with a high surrender value in the early years of the policy
• Expecting an urgent need for withdrawal during a financial market downturn
  
  

Further considerations on Tokio Marine Wealth@Future

• How is Tokio Marine or Tokio Marine Wealth@Future returns based on historical performance?
• How does Tokio Marine Wealth@Future compare with Investment-linked policies from other insurance companies?
• Can Tokio Marine Wealth@Future fulfill my financial, insurance, health, and protection needs?
  
  

The above information may not fully highlight all the product details and features of Tokio Marine Wealth@Future. Talk to us or seek advice from a financial adviser before making any decision about Tokio Marine Wealth@Future.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering taking up.

Is Tokio Marine Wealth@Future suitable for me?