Fair Dealing (TMLS)

Driven by Customer-focus, Integrity and Excellence as our corporate core values, Tokio Marine Life Insurance Singapore (TMLS) aspires to be one of the best known, trusted and preferred Life Insurance partner.

To create an environment where our customers will continually have confidence in us, we are committed to inspire trust through our products and services. One of the ways of achieving this is by way of translating the Fair Dealing Guidelines, stipulated by the Monetary Authority of Singapore, into an everyday practise in our organisation.

TMLS will make every effort to deliver the following 5 Fair Dealing outcomes:

  1. We are an organisation where fair dealing is central to our corporate culture.
  2. We offer products and services that are suitable for each customer.
  3. Our professional and competent Consultants will provide customers with quality advice and appropriate recommendations.
  4. We will deliver clear, relevant and timely information to assist our customers make well-informed financial decisions.
  5. We will receive customer complaints objectively before taking appropriate actions in an effective and prompt manner.

At TMLS, we are committed to have Your Security Our Priority!

We are committed to a fair dealing culture within the organisation. We welcome your feedback so that we can enhance your customer service experience with Tokio Marine Life Singapore. If you would like to provide us with feedback, please email to customercare@tokiomarine-life.sg or call +65 6592 6100.

Policy Owners’ Protection Scheme

The Policy Owners’ Protection Scheme (PPF Scheme) protects policy benefits in the event a PPF Scheme member fails. Tokio Marine Life Insurance Singapore Ltd. is a member of the PPF Scheme registered under the Monetary Authority of Singapore (MAS). All our existing and new policies, including riders, are covered under the PPF scheme, which provides 100% protection of the guaranteed benefits up to the applicable caps. The PPF Scheme does not apply to Brunei-registered policies.

The PPF Scheme is administered by Singapore Deposit Insurance Corporation (SDIC), an independent company limited by guarantee under the Companies Act. For more information or a copy of the PPF Scheme consumer guide, please contact us or visit https://www.sdic.org.sg or http://www.lia.org.sg.

Coverage for your policy is automatic. Please refer to the list below for our products covered under the PPF Scheme

Life Insurance Products
Life Insurance Products
  • 3D Term Plan
  • 50% Advance Payment Rider (50/50%)
  • 75% Advance Payment Rider (75/25%)
  • Accelerated Dread Disease Rider (for Wealth Builder)
  • Additional Critical Illness (CI) Rider
  • Additional Dread Disease(DD) Rider
  • Additional EarlyCare (EC) Rider
  • Anticipated Endowment Assurance with Compound Reversionary Bonus
  • Anticipated Endowment Assurance with Simple Reversionary Bonus
  • Anticipated Whole Life Assurance Non Par
  • Asia $urPlus
  • Asia 8onus Plan
  • Asia Additional Dread Disease(DD) Rider
  • Asia Biennial Choice
  • Asia Capital Builder (Type 1)
  • Asia Capital Builder (Type 2)
  • Asia Capital Builder (Type 3)
  • Asia Choice Savers Plan
  • Asia CollegePlus
  • Asia Education Plan
  • Asia Enhanced AssuredCare Rider
  • Asia Enhanced CrisisAssurance
  • Asia Enhanced CrisisAssurance Rider
  • Asia Enhanced CriticalTerm
  • Asia Enhanced FlexiLife T1
  • Asia Enhanced FlexiLife T2
  • Asia Enhanced FlexiLife T3
  • Asia Enhanced Home Protector
  • Asia Enhanced IncomeCare Rider
  • Asia Enhanced Life Plan
  • Asia Enhanced Mortgage Protector
  • Asia Enhanced Payer Benefit Rider
  • Asia Enhanced Protector
  • Asia Enhanced Retirement Plus
  • Asia Enhanced Retirement Scheme
  • Asia EnRICH Plan
  • Asia FlexiBuilder
  • Asia FlexiBuilder (Top Up)
  • Asia Golden Plan
  • Asia GuaranteedPlus (Special)
  • Asia High5
  • Asia Hi-Rewards Plan
  • Asia HiSavers Plan
  • Asia Home Protector
  • Asia i-Save Plan
  • Asia Life Plan
  • Asia Life Plus Assurance with Escalating Reversionary Bonus
  • Asia LifeAssure
  • Asia LifeSecure
  • Asia Longevity Plan
  • Asia Mortgage Protector
  • Asia Mortgage Protector Joint Life
  • Asia Payer Benefit Rider
  • Asia Platinum Plan
  • Asia Protector
  • Asia Retirement Scheme
  • Asia Savers Plan
  • Asia Term Assurance
  • Asia Term Rider
  • Basic Booster
  • Cancer Income Rider
  • Cancer Waiver Rider
  • Child Convertible Term Rider with PDB
  • Child Life Care Rider
  • Children's Benefit Assurance
  • Children's Benefit Assurance - 18 Years
  • Children's Benefit Assurance - 21 Years
  • CIMB Single Premium Plan
  • Convertibility Option Rider
  • Convertibility Option Rider (CrisisAssurance)
  • Convertibility Option Rider (CriticalTerm)
  • Convertible Decreasing Term Rider
  • Convertible Term Assurance without Profits
  • Convertible Term Rider with PDB
  • Critical Illness Accelerator Booster
  • Critical Illness Accelerator Rider
  • Death Rider
  • Deferred Annuity Plan (Cash)
  • Deferred Total and Permanent Disability Rider
  • DIRECT- Critical Illness Accelerator Rider
  • DIRECT- TM Basic Term
  • DIRECT- TM Basic Whole Life
  • DIRECT- Total and Permanent Disability Rider
  • Dread Disease Accelerator Rider
  • Dread Disease Rider
  • Early Cancer Benefit Rider
  • EarlyCare Booster
  • EarlyCare Rider
  • Education Plus Assurance with Compound eversionary Bonus
  • Endowent Assurance with Compound Reversionary Bonus
  • Endowent Assurance with Simple Reversionary Bonus
  • Endowment Assurance with Simple Reversionary Bonus (Joint Life)
  • Enhanced AssuredCare Rider
  • Enhanced CrisisAssurance Rider
  • Enhanced Deferred Total Permanent Disability Rider
  • Enhanced IncomeCare Rider
  • Enhanced Payer Benefit Rider
  • Enhanced Spouse Rider
  • Enhanced Term Rider
  • Family Benefit Rider
  • Family Care Rider
  • Family Expense Rider
  • FlexiBuilder II
  • FlexiBuilder II (Top Up)
  • Guaranteed Annuity (Cash)
  • Guaranteed Annuity (CPF)
  • Guaranteed Benefit Term Rider
  • Guaranteed Death Benefit Term Rider
  • Guaranteed Esc Annuity (Cash)
  • Guaranteed Esc Annuity (CPF)
  • Harvest 10
  • IncomeCare Rider
  • Joint Life Annuity
  • Life Care Premium Waiver Rider
  • Life Care Rider
  • Living 99 Assurance with Compound Reversionary Bonus
  • Min Sum Scheme Annuity Pln CPF
  • Minimum Death Benefit Term Rider
  • Minimum Death Benefit Term Rider (With DD)
  • Mortgage Protection Assurance
  • Payer Benefit Rider
  • Renewable & Convertible Term Assurance with PDB
  • Renewable & Convertible Term Rider with PDB
  • Renewal Option Rider
  • Renewal Option Rider (CrisisAssurance)
  • RetireEasy Scheme (Deferred)
  • RetireEasy Scheme (Immediate)
  • Retirement Joint Life Benefit
  • Single Premium Top-Up
  • Spouse Rider
  • Term Rider
  • Term Rider with TPD
  • Terminal Illness Rider ( for Asia Capital Builder)
  • TM Business Continuation (RP)
  • TM Business Continuation (RP-DD)
  • TM EarlyCare
  • TM Education (LP)
  • TM Education (RP)
  • TM Enhanced Term Assurance
  • TM FlexiAssurance
  • TM FlexiCover
  • TM Infinite VIP
  • TM Legacy (LP)
  • TM Legacy (RP)
  • TM Legacy (TriGen)
  • TM Legacy LifeFlex
  • TM Legacy Lifetime
  • TM Legacy Plus (LP)
  • TM Legacy VIP
  • TM Lifestyle (LP)
  • TM Lifestyle (LP-Rewards15 SIO)
  • TM Lifestyle (LP-Rewards15)
  • TM Lifestyle (LP-TriGen)
  • TM Lifestyle (RP)
  • TM Lifestyle (SP)
  • TM Lifestyle (SP-Rewards)
  • TM Mortgage Protection (MT-RP)
  • TM Mortgage Protection (MT-RP) - Joint Life
  • TM Mortgage Protection (MT-SP)
  • TM Mortgage Protection (MT-SP) - Joint Life
  • TM Mortgage Protection (RP-CI)
  • TM Mortgage Protection (RP-DD)
  • TM Mortgage Protection (SP-DD)
  • TM Nest Egg (Cash)
  • TM Nest Egg (CashBack 8/10)
  • TM Nest Egg (GIO CashBack)
  • TM Nest Egg (GIO)
  • TM Nest Egg (LP)
  • TM Nest Egg (LP05)
  • TM Nest Egg (Rewards15)
  • TM Nest Egg (RP)
  • TM Nest Egg (SP-100)
  • TM Nest Egg (SP-125)
  • TM Nest Egg (SP-Guaranteed 1)
  • TM Nest Egg (SP-Guaranteed 2)
  • TM Nest Egg (SP-Guaranteed 3)
  • TM Nest Egg (SP-Guaranteed 4)
  • TM Nest Egg (SP-Guaranteed 5th Series)
  • TM Peace of Mind (CancerCare)
  • TM Peace of Mind (LP)
  • TM Peace of Mind (LP-DD)
  • TM Peace of Mind (MoneyBack)
  • TM Peace of Mind (MT-RP-DD)
  • TM Peace of Mind (MT-SP-DD)
  • TM Peace of Mind (RP)
  • TM Peace of Mind (RP-DD)
  • TM Protect Cancer
  • TM Retirement (LP)
  • TM Retirement GIO
  • TM Retirement Life
  • TM Retirement Life (Joint Life)
  • TM Retirement Paycheck
  • TM Retirement PaycheckLife (Joint Life)
  • TM Retirement PaycheckLife (Single Life)
  • TM Retirement Secure
  • TM Retirement@63       
  • TM Retirement@65
  • TM Retirement@70
  • TM Save 100
  • TM Term
  • TM Term Assurance
  • TM Wealth Enhancement (Cash)
  • TM Wealth Enhancement (CashBack)
  • TM Wealth Enhancement (EnRICH)
  • TM Wealth Enhancement (Gtd)
  • TM Wealth Enhancement (Rewards)
  • TM Wealth Enhancer
  • TM Well Being (CancerCare)
  • TM Well Being (RP-CI)
  • TM Well Being (RP-DD)
  • Total & Permanent Disability Booster
  • Total & Permanent Disability Rider
  • TPD Rider (for Wealth Builder)
  • Waiver of Premium Rider
  • Wealth Builder (Cash)
  • Wealth Builder (CPF-OA)
  • Wealth Builder (CPF-SA)
  • Wealth Builder (SRS)
  • Whole Life Assurance with Compound Reversionary Bonus
  • Whole Life Assurance with Simple Reversionary Bonus
  • Whole Life Assurance without Profits By Limited Payments
  • Whole of Life Without Profits
Accident & Health Insurance Products
Accident & Health Insurance Products
  • Accident Assurance Provision (with RCC)
  • Accident Assurance Provision (without RCC)
  • Asia HealthPlus
  • Asia PreferredCare
  • Care & Health Individual
  • Care & Health International
  • Double Indemnity Provision (with RCC)
  • Double Indemnity Provision (without RCC)
  • Hospital Care Benefits
  • Hospitalisation Benefit Rider
  • Lifestyle Care Benefits
  • TM Corporate Hospital Cash
  • TM Corporate PA
  • TM PA
  • TM Protect MosBite
  • TM Protect PA
  • TM Protect PA-EZ
Group Insurance Products
Group Insurance Products
  • AA Life Protector
  • AA Life Protector (with Hospital Cash Benefit)
  • AA Life Protector Plus
  • AA Life Protector Plus (with Hospital Cash Benefit)
  • Care & Health Corporate
  • Care & Health Group
  • Group Catastrophic Medical Insurance
  • Group Critical Illiness Insurance
  • Group Critical Illiness Insurance - Accelerated (non voluntary)
  • Group Critical Illiness Insurance - Accelerated (voluntary)
  • Group Deluxe Medical Insurance
  • Group Disability Income Insurance
  • Group Hospital & Surgical Insurance
  • Group Major Medical Insurance
  • Group Maternity Benefits
  • Group Outpatient Clinical Benefits
  • Group Outpatient Dental Benefits
  • Group Outpatient Dental Care
  • Group Outpatient Specialist Benefits
  • Group Personal Accident Deluxe
  • Group Personal Accident Insurance
  • Group Supreme Medical Insurance
  • Group Term Life Insurance (non-voluntary)
  • Group Term Life Insurance (voluntary)
  • Group TM Corporate Hospital Cash
  • Group TM Corporate PA
  • TM Protect MosBite