What is TokioMarine-Optimizer?

A plan that offers you

  • Annual guaranteed cash payment & Guaranteed maturity benefit

  • Potential investment gain

  • Protection against uncertainties

Why is it important to you?

With TokioMarine-Optimizer, you can have

  • Short, Levelled & Guaranteed Premium Payment

  • Annual guaranteed cash payment with guaranteed maturity benefit

  • Potential investment gain

  • Flexibility for optional additional protection and partial withdrawal

This is suitable if you want


  • A savings plan which provides guaranteed cash payments
  • Limited premium payment terms


This is not suitable if you want

  • To have a long premium payment term
  • Pure protection product


Key Coverage

  • Death or Total and Permanent Disability (TPD)
  • Additional coverage on Accidental Death
  • Annual Guaranteed Cash Payment
  • Guaranteed Maturity Benefit
The brief summary is not a policy document. Please read the actual policy documents for important details on coverage, exclusions, limits, terms and conditions.

How to get this?

Important information

This plan is underwritten by Tokio Marine Life Insurance Malaysia Bhd. All benefits and features mentioned 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 25 April 2018.

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.

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.