Tokio Marine Life Insurance Singapore has sent out updates on its Participating Fund performance and has maintained bonus rates for its Participating policies.

For the uninitiated, when you purchase a Participating policy such as a whole life policy or an endowment savings policy, the insurer illustrates a projected return you would get at a certain assumed rate of investment return of the insurer’s Participating Fund. Simply put, if the insurer maintains (and hence does not reduce) the annual bonus rate for the duration of your policy, you would receive the amount stated on the documents which your agent has showed you when he/she first sells you the policy.

Till date, Tokio Marine has been the only insurer in Singapore that has the distinguished achievement of never cutting its bonus rates since its first bonus declaration in 1963. While many other Participating poliyowners have no doubt been disappointed by the dwindling ...