What is DIRECT- TM Basic Term?

DIRECT- TM Basic Term is a regular premium protection plan which covers you against death, Total and Permanent Disability1 (TPD) and Terminal Illness (TI).

1 DIRECT- TPD Rider is a compulsory rider to DIRECT- TM Basic Term.  Payment of the TPD benefit will reduce the sum assured of DIRECT- TM Basic Term. The rider will expire at the policy anniversary on which the life assured is age 65.

Why is this important to you?

DIRECT- TM Basic Term provides you with the following benefits:

  • Financial protection against unforeseen events

Have peace of mind for you and your family as DIRECT- TM Basic Term provides a lump sum payout in the event of death, TPD and TI. This will help ease the financial strains on your loved ones should the unforeseen happen.

  • Coverage up to age 85

DIRECT- TM Basic Term provides you with a choice of 3 coverage options:
- 5 year term with guaranteed renewal privilege up to age 85;
- 20 year term; or
- Up to age 65.

  • Guaranteed renewal privilege

Rest assured that you can renew2 your coverage period without any medical underwriting, even after your selected policy term has ended.

  • Added protection

To provide you with greater protection, DIRECT- TM Basic Term comes with an optional DIRECT- Critical Illness (CI) Accelerator Rider3 that covers 30 CIs, up to age 65.

2 Guaranteed renewal privilege is available for policy terms of 5 years and the last renewal age is 80 years old. Premiums at each renewal are non-guaranteed and are based on the life assured’s attained age. Other terms and conditions apply.
Premium rates for DIRECT- CI Accelerator Rider are level and non-guaranteed. Tokio Marine Life Insurance Singapore Ltd. (TMLS) reserves the right to change the premium rate by giving 30 days’ written notice.

This is suitable if you want

  • An insurance plan without seeking any financial advice
  • To buy an insurance plan directly from an insurer
  • An affordable protection plan without any surrender value

This is not suitable if you want

  • An insurance plan that comes with financial advice
  • An insurance plan with savings or investment elements
  • A whole of life protection plan

Key coverage

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

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Important information

All ages mentioned in this website are based on age next birthday.

This product can only be purchased over our Customer Service counter located at Tokio Marine Centre, Level 7.

If you are 62 years old or above, or is not proficient in spoken or written English, you are strongly encouraged to be accompanied by a trusted adult who is proficient in spoken or written English and is familiar with investment or life insurance products.

This is a direct purchase insurance plan and is underwritten by Tokio Marine Life Insurance Singapore Ltd.  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. The information shown on this website is for reference only and is accurate as at 5 April 2018.

Note: As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. You should consider whether the product in question is suitable for you before making a commitment to purchase the product.

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