Tokio Marine TM Atlas Wealth Review

The complete Pros and Cons on Tokio Marine TM Atlas Wealth

With a premium payment term of a minimum of 5 years, Tokio Marine TM Atlas Wealth is an investment-linked policy that lets you add or change life assured with bonuses to boost your investments.

Tokio Marine TM Atlas Wealth product details

  • Life Policy – Investment-linked policy
  • Withdrawals can be made at any time at no withdrawal charge
  • Take a break from payment premiums when needed
  • Available riders to waive premiums should the unexpected happen
  • You can choose to add, remove or change the life assured up to 4 times
  • Available riders to waive premiums should the unexpected happen
  • Premium Payment Terms
    • You can choose to pay premiums in SGD, AUD, GBP, USD or EUR
    • You can choose to pay premiums from 5 to 25 years
  • Death Coverage Option
    • Advanced Death Benefit – During the premium payment term, receive 101% of the policy value or net premiums paid, whichever is greater
    • Basic Death Benefit – Receive 101% of the policy value
  • Initial Bonus
    • Receive 19.5% per annum for the first 5 years
  • Loyalty Bonus
    • Receive annual bonuses from the 6th policy year onwards

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

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

Features of Tokio Marine TM Atlas Wealth 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
  • Early Critical Illness Premium Waiver Rider
  • Waiver of Premium Rider
  • Payer Benefit, 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 aboutEffects of compounding returns on your investments

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Tokio Marine TM Atlas Wealth may be suitable if you are looking for

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

  • To participate in the long-term financial returns of investing
  • To pay premiums for 5 to 25 years only
  • Full-forced Investment-Linked Policy with low insurance coverage
  • Able to take investment risks and comfortable with financial market volatility.
  • Potentially higher financial returns compared to traditional Endowment and Whole Life Policy.
  • 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 InterestGuru.sg.

Tokio Marine TM Atlas Wealth may not suitable if you are looking for

Tokio Marine TM Atlas Wealth 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
  • Lump-sum investment with no further financial commitment
  • 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 TM Atlas Wealth

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

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

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

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Is Tokio Marine TM Atlas Wealth suitable for me?

Contact InterestGuru using the form below. Our panel of Independent financial planners 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 TM Atlas Wealth 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.
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