Tokio Marine goUltra Review

The complete Pros and Cons on Tokio Marine goUltra

Tokio Marine goUltra is a whole-life regular premium full force investment-linked policy. Enjoy start-up bonuses up to 192% and yearly loyalty and additional bonuses up to 1.8% p.a. while growing your investment plan.

Tokio Marine goUltra product details

  • Life Policy – Investment-linked policy
  • Full Force Investment
    • 100% of premiums paid goes into investing in funds
    • Choice of currency: SGD,  AUD, GBP, USD or EUR
  • Initial Bonus
    • Receive initial bonuses of up to 192% paid over the first 4 policy years to kickstart your investment plan
  • High Loyalty Bonuses
    • Receive yearly loyalty bonuses up to 1.3% p.a. from the 5th policy year onwards
  • Yearly Additional Bonuses
    • Receive yearly additional bonuses of up to 0.5% p.a. from the 5th policy year till the end of the Minimum Contribution Period (MCP)
  • 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 Minimum Contribution Period (MCP)
    • Option to pick an MCP of 5, 10 or 20 years
  • Choice of Coverage
    • Tokio Marine goUltra option
      • Option to have guaranteed capital protection upon death during the premium payment term
    • Tokio Marine goUltra Secure option
      • Death cover with Locked-in Policy Value benefit
  • Policy Flexibility
    • Amplify your policy value through a one-time plan top-up or fund switching
    • Pause premium payments an unlimited number of times the need arises (after the MCP)
    • Flexibility to make regular withdrawals to reinforce your income
    • Change life assured upon reaching family milestones
    • Option  to transfer policy to your child to leave behind a legacy
  • Ease of Application
    • No health checks are required to take up Tokio Marine goUltra or goUltra Secure
  • Available Riders – to enhance your protection
    • Cancer Waiver Rider
      • Future premiums are waived in the event of diagnosis of Major Cancer
    • Early Critical Illness Premium Waiver Rider
      • Future premiums will be waived upon diagnosis of any of the covered Early or Intermediate Stage Critical Illnesses for 5 years, up to 2 times.
    • Waiver of Premium Rider
      • Future premiums are waived upon diagnosis of any of the covered Major Stage Critical Illnesses.
    • Payer Benefit Rider, Spouse Rider
      • Future premiums will be waived in the event of death or Total and Permanent Disability of the policyholder/spouse.
    • Enhanced Payer Benefit, Enhanced Spouse Rider
      • Future premiums will be waived in the event of death, Total and Permanent Disability or upon diagnosis of any of the covered Major Stage Critical Illnesses of the policyholder/spouse.

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

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

Features of Tokio Marine goUltra 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

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


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 goUltra may be suitable if you are looking for

Tokio Marine goUltra 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.
  • 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 goUltra may not be suitable if you are looking for

Tokio Marine goUltra 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 goUltra

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

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

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 goUltra 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 goUltra 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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