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This is the nature of buying protection or risk insurance. The premium price will rise each year on your policy anniversary date with your advancing age. However, because the policy renews annually, this is the most affordable life insurance you can buy.
U do not have to go through a reapplication process at the time of renewal. Another great benefit to annual renewable term life insurance is the protective feature of being guaranteed a renewal until you reach the age of 99. Being able to afford a life insurance policy with guaranteed death benefits to Nominees over the course of your life regardless of your health in later years is peace of mind indeed.
The table shows the monthly premium that you need to pay (inclusive of the GST applicable to non-life product premium). The increase in premiums is a result of your advancing age. The premiums are not guaranteed and Tokio Marine Life reserve the right to revise the premiums by providing you a 90 days’ notice of the new monthly payments, prior to the new premiums coming into effect. The revised premium will only take effect from your next policy year at renewal.
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