Tokio Marine Malaysia · 15 Products · 16 Funds · Generated 7 April 2026
When to recommend one product over another within the same insurer
| Feature | Wealth Advance | Treasure FlexiWealth |
|---|---|---|
| Min Sum Assured | RM 10,000 | RM 30,000 |
| Coverage Term | To age 128 | To age 100 |
| Premium Allocation | 100% (basic) | 100% (basic) |
| Admin Charge | Standard ILP charges | 20% Yr1 → 12% Yr2 → 0% Yr3+ |
| Loyalty Bonus | 108%/168%/178% BSA at age 70/80/90/100 | 100% BSA at payout age |
| Inflation Shield | +10% every 5 yrs from Yr6, max 200% BSA | None |
| Spouse Care | Yes — 100% BSA, max RM500k | Yes — 100% BSA |
| Target Client | Mass affluent | Affluent / HNW |
| Feature | Treasure FlexiWealth | Treasure Supreme |
|---|---|---|
| Coverage Term | To age 100 (lifelong) | 15 or 20 years (defined) |
| Annual GCP | None — pure investment growth | Yes — from Year 1 onwards |
| 3-Pay 15yr GCP | N/A | 5%/8%/12% of SA + boosters |
| 3-Pay 20yr GCP | N/A | 8% flat + boosters every 5 yrs |
| GCP Booster | None | 28%/68%/148% (15yr) or 30%/50%/60%/80% (20yr) |
| Investment Exposure | Full ILP — all 7 funds | RTU top-up only (95% alloc) |
| Best For | Long-term growth + estate | Specific income planning |
| Feature | Treasure 100 | Treasure 100 Premier |
|---|---|---|
| Min Annual Premium | RM 5,000 | RM 15,000 |
| 5-Pay GCP Rates | 5% / 10% / 15% of SA | 7% / 12% / 17% of SA |
| 10-Pay GCP Rates | 10% / 20% / 30% of SA | 12% / 22% / 32% of SA |
| Illustrated Annualised Return | ~1.88% p.a. | ~2.62% p.a. |
| Coverage | Whole life to age 100, GIO | Whole life to age 100, GIO |
| GCP Accumulation Rate | ~3% p.a. (non-guaranteed) | ~3% p.a. (non-guaranteed) |
| Accidental Benefit | +100% SA (ceases age 70) | +100% SA (ceases age 70) |
| Feature | Essential Protect | Essential Protect Premier |
|---|---|---|
| Min BSA | RM 300,000 | RM 1,000,000 |
| Non-Medical Limit | Up to RM 3.5M | Up to RM 4M |
| Coverage Options | 15yr / 20yr / to age 70 | 15yr / 20yr / to age 70 / to age 100 |
| Accidental Multiplier | Up to 300% BSA | Up to 400% BSA (natural disaster: 4x) |
| Lifestyle Rewards | +5% BSA/5yrs, max 10% | +5% BSA/5yrs, max 20% |
| Spouse Care | +10% BSA | +20% BSA |
| Loyalty Bonus | 4% BSA at age 70/80/90 | 8% BSA (capped RM100k) at age 70/80/90 |
| Premium Allocation | 5-pay: 60/90/100%; 10-pay: 60/65/75/100% | Identical to Essential Protect |
| Feature | Treasure Builder | Alpha Future |
|---|---|---|
| Insured | 14 days to 70 (flexible — can be parent) | Child age 1–10 only |
| Pay Term | 5 or 8 years | 8 years |
| Underwriting | GIO — no medicals | Full UW required |
| Guaranteed Maturity | No — fund-value dependent | Yes — 75% of BSA guaranteed |
| Final-Year Payouts | No | 10%/15%/20%/25% BSA in last 4 yrs |
| Annual GCP | Yes — stepped GCP from Year 1 | No |
| GCP Booster | Yes — every 5 years (large payouts) | No |
| Payor Protection | iPayor Waiver 2.0 (death/TPD) | Payor Benefit Rider (death/TPD/CI) |
| Tax Relief | Standard insurance relief | Education category (with Payor rider) |
| Feature | Essential Assure | Essential PrimeGuard |
|---|---|---|
| Product Type | Term Life | Endowment |
| Min BSA | RM 350,000 | RM 500,000 |
| Pay Term | 5 or 10 years | 5 years only |
| Coverage Term | 20yr / to age 70/80/100 | 10 or 15 years |
| Maturity Benefit | None — pure protection | 100% (10yr) or 110% (15yr) of total premium |
| Lifestyle Reward | +5% BSA every 3 years, max +20% | None |
| Accidental Multiplier | Up to 500% BSA | Up to 300% BSA (via Term Booster rider) |
| Underwriting | GIO — no medical exam | Full UW |
| Cash Value | None | Guaranteed from end of Year 1 |
| Premium Cost | Lower (term pricing) | Higher (endowment pricing) |
What insurance gives that alternatives don't — and what it can't match
3.5% base rate · PIDM protected up to RM250k
5.5% dividend 2024 · Employer 12–13% matching
Same fund managers · More fund choice · No protection
~5.5% dividend · Guaranteed capital · Bumiputera only
+28% USD in 2024 · Currency hedge · No income
Rental yield ~3–5% · Leverage · High entry capital
TM funds: 2024 full year + YTD 2025 (live NAV as of 6 Apr 2026). Takaful: 1-year return to Feb 2026.
2024 full year + YTD 2025 (live NAV as of 6 Apr 2026) · Ranked by YTD 2025
1-year return to Feb 2026 · Best available proxy for 2024
TM Enterprise Fund at +27.63% is the standout winner — strong case for recommending it in ILP illustrations for growth-oriented clients.
TM Dana Ikhtiar at +14.25% is the best Shariah-compliant TM fund — default pick for Muslim clients on TM products.
Takaful myGlobal Sustainability (+11.51%) is the best Takaful fund — driven by Nvidia, Apple, TSMC exposure. Use for tech-forward Muslim clients.
TM Orient (+0.29%) and Global Sustainable (+2.71%) were the weakest. Consider fund switching recommendation for clients currently in these.
Takaful Global Sukuk is the only negative fund (-1.10%) — impacted by interest rate sensitivity in the sukuk market. Avoid for short-term focused clients.
TM Managed Fund at +20.03% offers strong risk-adjusted returns for clients who want equity upside with some bond cushion — often overlooked.
A guided path from client situation to product recommendation
One-glance cheat sheet for matching client needs to the right product