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Cancel TOKIO MARINE
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Cancellation service #1 in Singapore
4.9Average rating from reviews
I hereby notify you of my decision to terminate the contract relating to the Tokio Marine service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Tokio Marine: Easy Method
What is Tokio Marine
Overview
Tokio Marine is a global insurance and financial services group operating in Singapore, offering life, health, travel and investment-linked products.
The company distributes policies through agents and direct channels and manages claims, underwriting and customer service locally.
Products in scope
Common products include term life (for example TM Term Assure II), whole‑life / ILPs, and travel insurance single‑trip plans.
Cancellation rules differ by product type, so check your policy document or contact Tokio Marine for your specific plan.
How to cancel Tokio Marine
Canceling travel insurance (single‑trip)
- Cancel before the commencement (start) date to be eligible for a refund, provided no claim has been made.
- Refunds for single‑trip travel plans are issued less an administrative fee of S$25; no refunds once the policy has started.
- For details see the travel cancellation guidance: SingSaver: How to cancel travel insurance.
Canceling life / term insurance
- Within 14 days of receiving the policy document you can exercise the free‑look (cooling‑off) right for a refund minus medical/underwriting costs.
- Outside the free‑look period, contact Tokio Marine or your agent to request and complete a termination form and submit it by mail.
- See an overview of free‑look and product notes: DollarBureau: TM Term Assure review.
What happens when you cancel
Effect on cover and claims
Once cancellation is processed, cover under that policy stops from the cancellation date stated in the termination paperwork.
If a claim has already been made, refunds are generally not available for travel single‑trip policies.
Policy records and renewals
Tokio Marine updates its records after receiving the signed termination form; keep written confirmation for your records.
If the policy was set to auto‑renew, cancellation prevents future charge/renewal but does not retroactively change past premiums or claims.
Will I get a refund?
Travel single‑trip refund rules
Refund only possible if you cancel before the policy commencement date and no claim has been made.
Refunds are reduced by an administrative fee of S$25; no refunds are available once the policy has started.
Life / term insurance refund rules
Within the 14‑day free‑look period you may cancel and receive a refund of premiums paid, less any medical or underwriting expenses incurred.
Outside the free‑look period, refunds may not be available except under specific surrender or termination terms in your policy schedule.
Tokio Marine plans and pricing
Pricing table (sample quotes)
| Plan | Price | Period | Features |
|---|---|---|---|
| TM Term Assure II - Term Life (Age 30, Male, Non‑smoker, S$1M Death + TPD) | S$708.00/year | annual | Death & TPD coverage |
| TM Term Assure II - Term Life with CI (Age 30, Male, Non‑smoker, S$1M Death + TPD + S$300k CI) | S$1,143.00/year | annual | Death, TPD, Critical Illness (S$300k) |
| TM Term Assure II - Term Life (Female equivalent, Death + TPD) | S$522.00/year | annual | Death & TPD coverage |
| TM Term Assure II - Term Life with CI (Female equivalent, Death + TPD + S$300k CI) | S$1,083.00/year | annual | Death, TPD, Critical Illness (S$300k) |
| TM Term Assure II - Term Life (estimated sample: Age 30, Male, Non‑smoker, S$500k Death + TPD over 40 years) | S$2.20/day ≈ S$66/month | monthly | Death & TPD coverage, S$500k SA, 40‑year coverage |
| TM Term Assure II - Term Life (MoneySmart sample, Age 30, Male, Non‑smoker, S$500k Death + TI) | S$26.75/month | monthly | Death & Terminal Illness coverage, S$500k SA |
| TM Term Assure II - Term Life (MoneySmart sample converted) | S$1,485.00/year | annual | Death & TPD (sample calculated from higher SA) |
| TM FlexiAssurance / TM FlexiCover - Whole Life (investment‑linked) | S$125/month (minimum) | monthly | Whole life with investment component |
| Tokio Marine #goAssure - Whole Life / ILP | From S$125/month | monthly | Unit investment‑linked whole life insurance |
| Tokio Marine #GoClassic - Whole Life / ILP | S$630/month (minimum) | monthly | High‑return ILP with high fees |
Your consumer rights in Singapore
Free‑look (cooling‑off) rights
Consumers have a 14‑day free‑look period for life/term insurance from receipt of the policy document.
If you cancel within this window you may receive a refund minus medical or underwriting expenses.
Documentation and cancellation procedure
To cancel outside the free‑look period you must contact Tokio Marine or your agent, obtain the termination form and submit it by mail.
Documents posted are commonly treated as received after a statutory period; check your policy for postal receipt rules.
Customer experiences
Positive feedback
Some customers report fast, hassle‑free payouts, even for higher‑risk activities according to community posts.
Other reviewers noted helpful internal audit or claims contact that worked well when combined with follow‑up by phone and email.
Negative feedback
Complaints include an outdated claims process, backend friction and difficulty claiming for certain travel benefits.
Some customers reported changes at renewal that added exclusions, and disappointment with limited coverage for certain travel events.
Documentation checklist
Documents to have ready
- Original policy document and policy number.
- Valid photo ID (NRIC/FIN or passport).
- Completed termination form from Tokio Marine or agent.
- Bank account details for refund (if applicable).
- Proof of travel booking/cancellation (for travel policies) showing policy inception date and cancellation timing.
Supporting documents for claims/refunds
- Evidence that no claim was made for travel single‑trip refunds.
- Medical or underwriting invoices (if deduction of expenses is contested).
- Written acknowledgement or confirmation from Tokio Marine after submission.
Common mistakes
Missing the free‑look window
Waiting beyond the 14‑day free‑look period for life/term policies can forfeit your right to a largely full refund.
Check the date you received the policy document and act quickly if you intend to cancel.
Assuming refunds after policy start
For single‑trip travel insurance many customers assume a pro‑rata refund is possible after inception; in reality no refund is available once cover has started or a claim exists.
Always confirm the commencement date and any outstanding obligations before purchasing or canceling.
Comparative recap
Quick comparison table
| Feature | Period | Travel single‑trip | Life / Term |
|---|---|---|---|
| Refund available | One‑off | Yes if cancelled before commencement; less S$25 admin fee | Yes within 14 days (free‑look) minus medical/underwriting costs |
| Refund after start | One‑off | No refund once policy has started or if a claim made | Generally no - surrender rules apply outside free‑look |
| How to cancel | Procedural | Contact insurer/agent; notify before start | Contact insurer/agent; submit termination form by mail |
| Contact | Procedural | Call Tokio Marine or agent | Call Tokio Marine or agent |
After cancelling
What to expect
After you submit a termination form, retain written confirmation and any refund advice from Tokio Marine for your records.
Allow processing time and follow up with the insurer or your agent if you do not receive acknowledgement within a reasonable period.
Helpful resources and links
Travel cancellation and refund guidance: SingSaver article.
Life term policy overview and free‑look explanation: DollarBureau review.
Address
Office address
Tokio Marine (registered/office) - 20 McCallum Street #05‑01, Tokio Marine Centre, Singapore 069046.
Mailing address for termination forms and contact
For policy termination by mail (as noted in product guidance): 20 McCallum Street #07‑101, Tokio Marine Centre, Singapore - check your policy or agent for the correct mailing unit.
Customer service phone: +65 6592 6100. Contact your agent for assistance with forms and submission instructions.