What is TokioMarine-iBeyond¹?
Limited pay regular premium investment-linked plan that offers death and Total and Permanent Disability (TPD) coverage with additional coverage upon accidental death up to additional 400% of Basic Sum Assured. This product offers flexible premium payment and coverage terms, regardless of choice of original coverage term, the product will automatically be extended until age 128 under Auto Extension Option. This product even provides coverage on your spouse upon accidental death. The product allocates additional payouts in terms of bonuses to boost fund value and pay fund value when policy matures.
Product Literature
Plan overview
- Coverage Term
- 20 years or Up to age 70, 80 or 90 next birthday (minimum 20 years coverage term)
- Premium Payment Term
- 6, 10, 15 or 20 years (depending on entry age and coverage term)
- Entry Age
- 14 days old – 70 years old
We've got you covered
You may attach additional riders to enhance your protection.
iCashSecure2
Provide guaranteed cash payment yearly, pay lump sum upon maturity of the rider, and provide coverage upon death or TPD.
iBeyondBooster Rider3
Provide additional lump sum amount equivalent to rider sum assured in the event of death or TPD.
Additional lump sum payment upon diagnosis of any covered critical illnesses or admission events, get rewarded upon no claim.
Lump sum payout upon diagnosis of any covered critical illnesses or admission events which paid amount will reduce the Sum Assured of the basic plan, get rewarded upon no claim.
Provide coverage for critical illness conditions from early stage critical illnesses to advanced stage critical illnesses.
iLife Waiver3
Premium payable will be waived upon diagnosis of any covered critical illnesses of the Life Assured.
iPayor Waiver3
Premium payable will be waived upon death, TPD or upon diagnosis of any covered critical illnesses of the Policy Owner.
ATPD Rider3
Provide up to additional 400% of coverage upon TPD due to accident.
iSpecialCare3
A lump sum is payable upon diagnosis of Terminal Illness, Alzheimer’s Disease and Parkinson’s Disease.
iSeniorCare3
This rider provides disability coverage during golden age, which Life Assured attained the age of 70, until age 100.
iInflationProof3
By attaching this rider, upon survival of the Life Assured, an additional percentage will be added to the Basic Sum Assured on every end of policy year up to a maximum of additional 50%. The rider increases protection gradually against future inflation risk.
1 PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS POLICY IS SUBJECT TO LIMITATIONS.
2 The benefit(s) payable under iCashSecure is protected by PIDM up to limits.
3 PROTECTION BY PIDM ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS PRODUCT IS SUBJECT TO LIMITATIONS.
Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).
Why is it important to you?
Here are some reasons why you should consider purchasing TokioMarine-iBeyond.
High and Comprehensive Coverage
This product provides high coverage for death or Total and Permanent Disability (TPD) with additional accidental death coverage, up to 400% Basic Sum Assured. The product pays maturity benefit upon maturity of initial coverage term. Your spouse is also being taken care by the accidental death coverage provided under this plan.
Flexible Plan
You can choose your coverage terms of fixed 20 years or up to age 70, 80 or 90 next birthday with auto extension option to extend the coverage term automatically to age 128. There are also flexible premium paying terms of 6, 10, 15 or 20 years.
Optional Benefits
Up to 11 optional riders to suit your needs.
Diversified choice of funds for potential upside
Flexibility to invest from low to high risk investment funds according to risk appetite.
Loyalty Bonus, Maturity Bonus and Longevity Bonus to Accelerate Wealth
Lump sum payment in the percentage of Annual Basic Premium to boost fund value.
No Lapse Guarantee
With on time full premium payment and fulfil all terms and conditions, your coverage will be secured for the first 5 policy years regardless of market performance.
Auto Extension Option
The policy may continue coverage until age 128 without new evidence of insurability so long there is sufficient fund to deduct insurance charges and policy related fees.
Large Sum Assured Discount
Enjoy discount on insurance charges when choose Basic Sum Assured RM600,000 and above.
Is this right for you?
How to decide if this plan is suitable for you?
This is suitable if you want:
✔︎ High Protection product with potential investment return
✔︎ Coverage for your spouse in one plan
✔︎ Flexible and short premium payment term and coverage term
✔︎ Life insurance with wide range of optional benefits to supplement coverage based on individual needs
This is not suitable if you want:
✖︎ Guaranteed savings return plan
✖︎ Life insurance with comprehensive medical coverage
✖︎ Single premium payment long term coverage plan
What does this plan provide you?
These are the benefits you get when you purchase this plan.
- TPD benefit is subject to RM8 million per life for all individual life policies. The TPD coverage will cease when the Life Assured has attained age 70.
- The maximum additional amount payable for Accidental Death is RM10 million per life for all individual life policies. The additional amount payable upon Accidental Death will cease to be payable when the Life Assured has attained age 70.
- The Spouse Accidental Death benefit is subject to a maximum additional amount payable for Accidental Death of RM500,000. The Spouse Accidental Death benefit will cease when the spouse has attained age 70.
- The insurance charges and policy charges are not guaranteed, and we reserve the right to revise the rate applicable by giving advance notice.
What are the available fund options?
Click here for funds available from high to low risk according to your investment / wealth accumulation needs.
Important Information
This plan is underwritten by Tokio Marine Life Insurance Malaysia Bhd. All benefits and features herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 12 January 2026.
Buying life insurance is a long term commitment. If you surrender the policy in the early years, the amount you get back may be less than amount that you have paid in.
This page has been designed to help you better understand the financial product you are about to purchase. You are advised to read and understand the information provided.
Note: You should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.
Have a question? Speak to our friendly agents.
Click on ‘Get in touch’ for more assistance
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Tokio Marine Life Insurance Malaysia Bhd. 199801001430 (457556-X)
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Visit your local page. If you change your mind, you can use the dropdown at the top navigation to visit other Tokio Marine country pages.
