What is TM Legacy?

It is a limited pay, participating whole life plan designed to cover:

  • Death
  • Total and Permanent Disability1 (TPD)
  • Terminal Illness (TI)

To enhance your cover, you can add the optional Critical Illness (CI) Accelerator Rider2, with non-guaranteed premium rates.

Premium Payment Terms available: 5, 10, 15, 20 or 25 years


1 TPD Benefit is provided until the policy anniversary on which the life assured is age 65 next birthday.
2 Premium rates for CI Accelerator Rider are not guaranteed. Tokio Marine Life Insurance Singapore Ltd. reserves the right to change the premium rate by giving 30 days written notice.

Why is this important to you?

  • It guarantees financial security for your loved ones when you are no longer around.
  • Policy value may potentially appreciate over time.
  • Reversionary bonuses become guaranteed once added to your policy, to enhance the value of your plan.
  • Optional CI cover is available.
  • Flexible premium payment terms to suit your financial needs.

This is suitable if you want

  • A long-term protection plan without a lifetime of premium commitment
  • A protection plan with savings element for you or a gift of love for your child


This is not suitable if you want

  • A pure protection plan without any cash value
  • A plan with immediate or high cash value in the early years
  • Regular access to your funds 

Key coverage

  • Death
  • Total and Permanent Disability (TPD)
  • Terminal Illness (TI)

Additional riders to enhance your protection

  • Critical Illness Accelerator Rider
    Accelerates a percentage of the death benefit payout of the basic plan upon diagnosis of any of the covered CIs         
  • Waiver of Premium Rider, (Enhanced) Payer Benefit and (Enhanced) Spouse Rider
    Future premiums will be waived in the event of Death, Total and Permanent Disability and/or upon diagnosis of any of the covered CIs
All ages mentioned in this website are based on age next birthday.
All benefits and features mentioned herein are subject to terms and conditions of the policy. You must refer to the Policy Contract for the precise terms and conditions of this insurance plan.

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Important information

This plan is underwritten by Tokio Marine Life Insurance Singapore Ltd and is only available through our authorised distributors. Kindly obtain the required product disclosures and seek advice from a financial adviser before making a commitment to purchase this plan. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. It is also detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

For policies distributed in Singapore:
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Information is for reference only and is correct as at 16 December 2015.