In today's uncertain world, protecting your loved ones' financial future is paramount. Term life insurance offers an affordable way to provide substantial coverage for a specific period. Enter TM Term Assure II, a flexible and comprehensive term life plan by Tokio Marine. This innovative product is designed to meet your evolving insurance needs, offering high coverage against death, total and permanent disability, and terminal illness. With its unique features and adaptability, TM Term Assure II stands out as a smart choice for those seeking robust financial protection without breaking the bank.
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TM Term Assure II offers a range of comprehensive coverage options to ensure your loved ones are protected in various scenarios. From substantial death benefits to critical illness coverage, this plan is designed to provide peace of mind in the face of life's uncertainties. Let's explore the key benefits that make TM Term Assure II a standout choice for your insurance needs.
100% Sum Assured Payout. In the event of the insured's death, beneficiaries receive the full sum assured, providing crucial financial support during a difficult time.
Guaranteed Cash Value. While primarily a protection plan, TM Term Assure II does offer a guaranteed cash value, adding a savings component to your coverage.
Non-Participating Policy. As a term insurance plan, TM Term Assure II does not offer non-guaranteed bonuses or dividends, keeping premiums lower and focused on protection.
100% Sum Assured Payout. If diagnosed with a terminal illness, you receive the full sum assured, allowing you to focus on treatment and quality of life.
Extended Coverage to Age 85. The Total and Permanent Disability benefit provides 100% of the sum assured, with coverage extending up to age 85, surpassing many market offerings.
Available as a Rider. While not included in the base plan, critical illness coverage can be added through optional riders, enhancing your overall protection.
TM Term Assure II stands out for its flexibility, allowing you to tailor your coverage to your specific needs and life stages. From various policy terms to renewal and conversion options, this plan adapts to your changing circumstances. Let's delve into the key features that make TM Term Assure II a versatile choice for your long-term insurance needs.
Wide Age Range Accepted. While specific entry age limits are not provided in the given information, term insurance typically offers broad age ranges for policy initiation.
Short and Long-Term Options. Choose from renewable 5-10 year terms or level terms from 11 years up to age 85, allowing you to match your coverage to your specific needs.
No Health Questions Asked. For 5-10 year terms, enjoy the peace of mind of guaranteed renewal without additional health checks, ensuring continuous coverage.
Switch to Permanent Plans. You have the flexibility to convert your term policy to a whole life or endowment plan without undergoing health checks, adapting to changing needs.
Level Premiums Available. For terms of 11 years to age 85, premiums remain constant throughout the policy term, providing predictability in your financial planning.
| Age | What suggestion covers | Premium |
|---|---|---|
| 25, Female making $3,786 a month | accident medical reimbursement $2,000 accidental death $100,000 accidental dismemberment and burns $100,000 accidental major dismemberment $300,000 accidental permanent total disability $300,000 additional payout for accidental death $100,000 ambulance services $200 broken bones $8,000 daily accidental hospital income $50 daily accidental icu $50 emergency medical evacuation and repatriation $10,000 tcm chiropractic medical reimbursement $500 | Not provided |
| 32, Female making $4,200 a month | CI $300,000 TPD $500,000 death $500,000 | $164.79 monthly |
TM Term Assure II offers a range of optional riders to enhance your coverage and tailor the policy to your specific needs. These riders provide additional protection against critical illnesses, disabilities, and other unforeseen circumstances. By adding these riders, you can create a comprehensive insurance package that addresses multiple aspects of your financial security.
Major Stage CI Coverage. This rider provides a lump sum payout upon diagnosis of major stage critical illnesses, offering financial support during challenging times.
Comprehensive CI Protection. Covers early, intermediate, and major stages of critical illnesses, as well as juvenile and special conditions, providing broader protection.
Disability Income. Pays a monthly benefit for up to 72 months if you're unable to perform one of six Activities of Daily Living, safeguarding your income during disability.
Premium Protection. While not explicitly detailed, this type of rider typically waives future premiums if the policyholder becomes disabled or critically ill.
Third-Party Premium Protection. This rider likely covers premium payments if the policy payer (different from the insured) becomes disabled or critically ill.
While we are not directly affiliated with Tokio Marine, we understand the importance of efficient claims processing and responsive customer service. Typically, insurance companies like Tokio Marine provide multiple channels for filing claims, including online portals, phone support, and in-person assistance at their offices. For specific claims related to TM Term Assure II, policyholders would likely need to submit relevant documentation, such as medical reports or death certificates, depending on the type of claim. It's advisable to contact Tokio Marine's customer service directly for the most up-to-date and accurate information on their claims process and support services.
TM Term Assure II is an excellent choice for individuals seeking comprehensive and flexible term life insurance. It's particularly well-suited for young professionals starting families, homeowners with mortgages, and business owners looking to protect their key employees. The plan's adaptability, coupled with its range of riders, makes it a versatile option for those who want to ensure their loved ones' financial security.
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