Why Choose Investment-Linked Insurance?

No Premium Charge**

Your regular protection premiums go directly into mutual funds, maximizing your investment potential without incurring additional protection charges.

Protect Up to Age 99

Enjoy whole-life protection up to the age of 99 or until the redemption value is sufficient to sustain the policy, ensuring your peace of mind for the long term.

Customizable Coverage Limits

Tailor your plan with life insurance coverage of up to 200 times your regular protection premium, adjusted to meet your personal and family needs.

Comprehensive Health and Risk Add-Ons

Enhance your policy with optional riders, including health insurance, critical illness protection, and accidental coverage.

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Underwriting Criteria
  • Eligibility Age: Open to individuals aged 0 to 70 years.
  • Coverage Period: Protection extends up to the age of 99.
  • Premium Payment Term: Payable until the age of 99.
  • Sum Assured: Fully customizable and adjustable based on company guidelines.
  • Minimum Regular Premium (RPP): Starts at 12,000 THB per year.
  • Top-Up Premium: Flexible top-ups starting from 12,000 THB per payment, with a maximum limit of 120 million THB per policy year.
  • Death Benefit: Provides the sum assured from regular premiums plus the redemption value of investment units.
  • Maturity Benefit: Ensures payment of the redemption value of investment units upon policy maturity.

Note: This is a simplified summary; please refer to the official policy for full terms and conditions.

 

Tokio Beyond

“Life insurance paired with investment solutions that enhance stability and secure your future.”

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Example: If the health coverage is insufficient, funds can be withdrawn from the portfolio to cover medical expenses.

Allows you to pause, reduce, or increase premiums for investments and adjust health insurance coverage as needed (applicable for certain conditions).

By selling some investment units, you can offset the annual insurance premium costs.

Coverage amounts can be increased or decreased to match life’s changing needs and circumstances.t.

Benefit from financial management systems like asset allocation (DCA) for better potential returns.

Choose from diverse investment options to maximize returns compared to traditional life insurance plans.

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Unit deducting rider (UDR)

The Unit Deduction Rider is an additional insurance rider, where the associated cost (Cost of Rider) is deducted from the insured’s redemption value. This rider is specifically designed to complement the Tokio Beyond (Investment Linked Product).

 

Benefits of the UDR

  • Guaranteed Insurance Coverage: Enjoy continuous protection throughout the policy term, ensuring uninterrupted coverage.
  • Enhanced Investment Opportunities: The total premium, net of Policy Charges*, is fully invested in your selected funds, increasing the potential for higher returns.
  • Tax Benefits: Eligible for income tax deductions*** in accordance with the regulations issued by the Director-General of the Revenue Department.

Insurance Plan

Insurance Products by Tokio Marine Life Insurance (Thailand) PLC.

The trusted global insurance company