Tokio Marine TM Retirement GIO Plus Review

The complete Pros and Cons on Tokio Marine TM Retirement GIO Plus

Tokio Marine TM Retirement GIO Plus gives you lifetime monthly income consisting of guaranteed income and non-guaranteed bonuses after paying only 5 years of premiums.

Tokio Marine TM Retirement GIO Plus product details

  • Life policy – Annuity
  • Receive coverage against Death and Terminal Illness
  • Hassle-free application guaranteed acceptance with no health questions asked
  • Premium Term
    • Pay premiums for 5 years only
  • Lifetime Retirement Income Payout
    • Receive a lifetime of Guaranteed monthly income and Non-Guaranteed monthly bonuses from the 5th policy year onwards

Read about:  Why your retirement planning starts now

Read aboutEffects of compounding returns on your investments

Features of Tokio Marine TM Retirement GIO Plus at a glance

Cash and Cash Withdrawal Benefits

  • Cash value: Yes
  • Cash withdrawal benefits: No

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

N/A

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 Plus may be suitable if you are looking for

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

  • Regular cash payout from the 5th policy year
  • Saving regularly over 5 years
  • 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 Plus may not be suitable if you are looking for

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

  • Lump-sum payout upon maturity
  • High insurance coverage for Death or Terminal Illness
  • High insurance coverage for Early Critical Illness, Critical Illness or Total and Permanent Disability
  • 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.

Read about: Why should you choose a shorter premium term on your insurance policies

Further considerations on Tokio Marine TM Retirement GIO Plus

  • How is Tokio Marine or Tokio Marine TM Retirement GIO Plus investment returns based on historical performance?
  • How does Tokio Marine TM Retirement GIO Plus compare with retirement plans and annuity policies from other insurance companies?
  • Can Tokio Marine TM Retirement GIO Plus fulfill 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 Plus. Talk to us or seek advice from a financial adviser before making any decision about Tokio Marine TM Retirement GIO Plus.

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

Read about3 best Retirement plans and Annuity policies in Singapore (2020 Edition) *Updated*

Where can I compare the payout and benefits of retirement plans and annuity policies?

Your retirement plans are meant to supplement your lifestyle and expenses in your golden years. Ensure your retirement plans matches the financial goal and objective you wish to achieve when you decided to talk a step back in life.

It is too late to regret once you have made your financial commitment. Specific product features, benefits, and payouts will differ more than you think across insurance companies.

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Before you go...
Tokio Marine TM Retirement GIO Plus 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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