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Personal > Protect > Life > TM Term VIP

What is TM Term VIP?

TM Term VIP is a regular premium, non-participating term protection plan that is designed to give you a million-dollar assurance for your lifestyle and evolving needs. The plan provides a high coverage of SGD/USD1.5 million and above.

Provides coverage against:

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


Policy Term available:

  • Renewable and Convertible – 5-year2
  • Level and Convertible - up to age 65, 75 or 85


Conversion Privilege3 enables you to partly or fully convert your plan into a regular premium whole life or endowment plan up to the sum assured of your policy, without the need to provide further health evidence. 

You can select TM Term VIP plan in SGD or USD currency.

1 TPD Rider is a compulsory rider to TM Term VIP.
2 The minimum sum assured for a 5-year term is SGD/USD3 million.
3 Conversion Privilege must be exercised before age 60 next birthday. Other terms and conditions apply. Refer to the Product Summary for details.
4 Premium rates for Protect 1 VIP Rider are not guaranteed. TMLS reserves the right to change the premium rates by giving 30 days’ written notice.

Why is this important to you?

  • Payout is made in one lump sum to maintain your family’s lifestyle and other expenses when you are no longer around to take care of them.
  • Continuity of your business is assured in event of an unexpected loss of a business partner or key executive if you are a business owner.
  • Conversion Privilege allows you to convert your term cover into a permanent cover without the need to provide further health evidence.

This is suitable if you want

  • High coverage with the opportunity to convert to a regular premium whole life or endowment plan
  • Protection at an attractive premium
  • Uninterrupted success and continuity of the business in the event of loss of a business partner or key executive

This is not suitable if you want

  • A pure protection plan with savings element or investment returns
  • A protection plan with cash values
  • A plan with critical illness coverage

Key Coverage

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

Additional riders to enhance your protection


Protect 1 VIP Rider
Pays out a monthly disability benefit of up to SGD10,000 or USD7,500 for 72 months (6 years) upon the loss of ability to perform any one of the six Activities of Daily Living (ADL).

Losing just one such ability is challenging enough. Let Protect 1 VIP Rider4 provide an added protection during the initial years of disability, when help is needed the most.

The 6 ADLs are: 

Get it now

Product Literature

Important Notes

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

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. 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. 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).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information shown in this webpage is for reference only and is correct as at 1 Feb 2019.

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