Investment-linked plan issued by Tokio Marine Life Insurance Malaysia Bhd. Death benefit automatically increases every five years, with no additional premium, no medical declaration, and no action from the policy owner. Now available for third-party and juvenile policies.
The death and TPD benefit floor is expressed as a percentage of total basic premium paid. It steps up every five policy years automatically — no extra premium, no medical check, no action required.
| Policy Year | Age 50 Entry | Age 55 Entry | Age 65 Entry | Child Entry |
|---|---|---|---|---|
| Year 1–2 | 100% | 100% | 100% | 100% |
| Year 3–5 | 120% | 110% | 105% | 130%+ |
| Year 6–10 | 130% | 120% | 115% | 140%+ |
| Year 11–15 | 140% | 130% | 125% | 150%+ |
| Year 16–20 | 150% | 140% | 135% | 160%+ |
| Year 21–25 | 160% | 150% | 145% | 170%+ |
| Year 26–30 | 170% | 160% | 155% | 180%+ |
| Year 31–35 | 180% | 170% | 165% | 190%+ |
| Year 36+ | 190–200% | 180–200% | 175–200% | 200% max |
Younger is better. The younger the Life Assured, the higher the starting shield percentage and the lower the insurance charge. A child's insurance cost is under RM10 per year versus RM126 for age 65 — meaning more money compounds in the investment fund.
Same RM100,000 annual premium; here is how much flows out as insurance charge for different Life Assured ages:
| LA Age | Year 1 | Year 5 | Year 10 | Year 20 |
|---|---|---|---|---|
| Age 65 | RM126 | RM1,270 | RM1,614 | RM3,531 |
| Age 55 | RM42 | RM939 | RM1,595 | RM1,827 |
| Age 50 | RM24 | RM742 | RM1,424 | RM1,834 |
| Child | <RM10 | <RM20 | <RM50 | <RM200 |
Source: RHB Wealth Advance Sales Illustrations, Scenario X, TM Pro v4.26.
The same product reads differently to each client. Four common segments, each with hook, rationale, and sample figures where relevant.
Extended insurable interest — grandparents can be PO for grandchild LA.
"With just RM100K today, your grandchild gets protection that automatically doubles to RM200K over time — and the investment keeps growing for 60+ years. No other gift compounds like this."
| Longest runway | Child age 2 has 60+ years to reach max 200% shield. |
| Cheapest insurance | Under RM10/year means nearly 100% goes into investment. |
| Highest starting % | Young LA gets approximately 130%+ from Year 3. |
| Bypasses probate | Insurance proceeds go direct to nominee, no estate admin. |
| Parental Consent | Simple form, uploaded via TM Pro. |
Sample numbers · RM100K Single Premium, Child Age 2
| Child Age | Policy Year | Min Death Benefit | Est. Fund Value |
|---|---|---|---|
| 2 | 1 | RM100,000 | RM97,000 |
| 7 | 6 | RM140,000+ | ~RM110,000 |
| 18 (University) | 17 | RM160,000+ | ~RM180,000 |
| 32 (Marriage) | 31 | RM190,000+ | ~RM320,000 |
| 47 | 46 | RM200,000 max | ~RM600,000+ |
Fund value estimates based on Scenario Y (5% return). Actual returns may vary. Not guaranteed.
Child must be below 17 next birthday.
"This isn't just savings for education — it's savings that come with protection that grows. By the time your child enters university, the coverage is already 50–60% higher than Day 1. And if your child never needs the protection, the fund value keeps compounding."
| Dual purpose | Investment for education plus life protection in one. |
| Shield grows with child | RM100K coverage today → RM160K by university age. |
| Free withdrawal from Year 5 | Use for tuition when needed. |
| iPay Waiver rider | If parent dies or TPD, premiums waived, child's plan continues. |
| Better than education savings plan | Flexible, no fixed withdrawal schedule. |
Self-coverage with maximum growth runway.
"At your age, insurance is dirt cheap — most of your premium goes into investment. And the Inflation Shield means your RM100K coverage today will be worth RM200K in 40 years without you paying extra. Your protection keeps up with inflation automatically."
| Lowest insurance charges | More money compounds in funds. |
| Highest shield start | Likely 120–130% from Year 3. |
| 40+ years to max shield | Guaranteed to reach 200% before retirement. |
| Accidental death stacks | Up to 400% of Sum Assured (natural disaster). |
| Loyalty Bonus | RM108K credited at age 80 — extra retirement buffer. |
Wealth preservation and estate planning.
"You have RM300K in FD earning 3%. With RHB Wealth Advance, you get similar capital preservation through the Bond Fund PLUS life coverage that grows from RM300K to RM600K over time. FD gives you zero protection. This gives you both."
| FD alternative with protection | Bond Fund for stability, plus life cover. |
| Estate planning tool | Proceeds bypass probate, go direct to nominee. |
| Inflation Shield still works | 105–120% start, grows to max 200%. |
| Spouse protection | Additional RM100K for spouse accidental death. |
RM100,000 BSA · 3-pay scenario
| Basic Sum Assured | RM100,000 |
| Total Premium (3 years) | RM300,000 |
| Accidental Death (any cause) | +RM100,000 (100% SA) |
| Accidental Death (public transport) | +RM200,000 (200% SA) |
| Accidental Death (natural disaster) | +RM300,000 (300% SA) |
| Spouse Accidental Death | +RM100,000 |
| Loyalty Bonus | RM108,000 (108% SA) |
| Maturity Benefit | PFV + IFV (full fund value) |
| Premium Allocation | 100% basic / 95% top-up |
This is for illustration purposes only. Past performance is not indicative of future results. Investment returns and fund values are not guaranteed and may go up or down. Please refer to the Product Disclosure Sheet and policy contract for complete terms. Data sourced from RHB Wealth Advance Sales Illustrations (Age 50, 55, 65), TM Pro Version 4.26, dated 19 March 2026. Tokio Marine Life Insurance Malaysia Bhd [199801001430 (457556-X)]. Fund value projections use Scenario Y (5% assumed return); actual results may differ.