Tokio Marine goTreasures Review

The complete Pros and Cons on Tokio Marine goTreasures

Enjoy multiple bonuses to kickstart and boost your investment plan with Tokio Marine goTreasures investment-linked policy. With a limited premium term of 10 to 30 years, choose to invest at a timeframe that most suits your needs. Take a break from paying premiums if the need arises, an unlimited number of times.

Tokio Marine goTreasures product details

  • Life Policy – Investment-linked policy
  • Full Force Investment Plan
    • 100% of premiums paid go into investing in funds
    • Choice of currency: SGD,  AUD, GBP, USD or EUR
  • Initial Bonus
    • Receive initial bonuses of up to 186% paid over the first 3 policy years to kickstart your investment plan
  • High Loyalty Bonuses
    • Receive yearly loyalty bonuses of 0.55% p.a. from the end of the 4th policy year to the 10th policy year
    • Up to 1.2% p.a. from the end of the 11th policy year onwards
  • Premium Payment Term
    • You can choose to pay premiums from 10 to 30 years
  • Access to Best-in-Class Funds
    • Gain investment exposure into premium funds which are usually available only to accredited investors, at a low monthly premium
  • Choice of Coverage
    • Tokio Marine goTreasures option
      • Option to have guaranteed capital protection upon death during the premium payment term
    • Tokio Marine goTreasures Secure option
      • Death cover with Locked-in Policy Value benefit
  • Policy Flexibility
    • Pause premium payments from the 3rd policy year onwards an unlimited number of times the need arises
    • Flexibility to make unlimited regular withdrawals to reinforce your income at no withdrawal charge
    • Change life assured according to your needs
    • Top-up or change funds to grow your investment portfolio
  • Ease of Application
    • No health checks are required to take up Tokio Marine goTreasures or goTreasures Secure

Read aboutInvestment-Linked Policy: Is it the best option?

Read about: 3 best Investment Linked Policies in Singapore (Updated)

Features of Tokio Marine goTreasures at a glance

Cash and Cash Withdrawal Benefits

  • Cash value: Yes
  • Cash withdrawal benefits: Yes

Health and Insurance Coverage

  • Death: No
  • 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


Additional Features and Benefits


For further information and details, refer to Tokio Marine website. Alternatively, fill up the form below and let us advise accordingly.

Read aboutEffects of compounding returns on your investments

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Tokio Marine goTreasures may be suitable if you are looking for

Tokio Marine goTreasures 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 no insurance coverage
  • Able to take investment risks and comfortable with financial market volatility.
  • Limited-pay investment plan (10 to 30 years)
  • 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

NEW Feature: Compare investment-linked policies across insurance companies using the CompareNOW feature on

Tokio Marine goTreasures may not be suitable if you are looking for

Tokio Marine goTreasures 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.
  • 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 goTreasures

  • How is Tokio Marine or Tokio Marine goTreasures investment returns based on historical performance?
  • How does Tokio Marine goTreasures compare with Endowment policies from other insurance companies?
  • Can Tokio Marine goTreasures fulfill my financial, insurance, health, and protection needs?

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

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

Where can I compare the payout and benefits of Investment Linked Policies?

Before committing to an insurance policy, it certainly pays to make an effort to compare. Specific product features, benefits, and payouts will differ more than you think across insurance companies. Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?

Use our Compare NOW feature to receive the most competitive quotes on Investment linked Policies.

Alternatively, you just need to provide us with a couple of details below.

Is Tokio Marine goTreasures suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

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    Before you go...
    Tokio Marine goTreasures may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
    Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
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