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The trip is indeed very fruitful. The parent company of TM Asia, the objective was to visit Tokio Marine Holdings. I went for a research trip to Japan from 16th November 2009 to 21st November 2009, recently.

I can be as Independent on the review as possible, hence, just to let you know I am NOT an employee of TM Asia, at the same time. That is why I declare this ahead first, in order to be as transparent and objective as possible. TM Asia flew us in Singapore Airlines and housed us at Hilton Tokyo (though I dislike the hotel as I paid close to 80 dollars for just 3 days of internet access). I must declare that this trip is fully sponsored by TM Asia for a group of achievers (there are about 20 of us), before I give my review on my findings.

What a good news especially during the financial crisis period:) And of course Asialife (1st Singapore insurance company), tM bought over Loyld, for the past few years. This was mainly due to the overseas acquisition by TM. Why TM have an increase? All companies had a reduction of nett premiums, there is a recent Japanese newspaper article that reports that other than Tokio Marine. One out of every four person in japan is insured with TM, according to the latest statistics. Yet Tokio Marine stood well against the test of time and became a giant insurance company in Japan. Lots of Japanese Insurance companies collapsed, i realised that during the Asia Financial Crisis happened in 1997 to 1998, during my trip.

He stayed in TM for like 19 years, for Mitani-San! Most importantly both have stayed in Tokio Marine (TM) for very very long. They are both very friendly and helpful to us. Mitani-San of TM Asia, sadly though we never met the Managing Director of Tokio Marine but we met the Managing Director and Executive Director.

I am rather happy that TM is treating their staffs very well, hence. Steve Covey said that the principle behind good customer service is how well they treat staff, in the book 7 habits of successful person. We wouldn't want terms and conditions change every other year right? Well it is a sign of stability in the company. Why is that important?

Not to mentioned that TM Asia is now building a new building in Cecil St. The value of the building is always on the rise, and more importantly. The company started in 1870. It states how old is Tokio Marine company is. Very very few companies do have their building around the Emperor's Palace. The building they had in Tokyo is in prime location - just next to the Emperor's palace.

They are just rated 1 level below Berkshire Hathaway, no wonder according to the credit rating agencies. What a display of financial strength. I was told that TM launched their own satellite for the studio. TM have a TV broadcast studio to broadcast all important messages and trainings to all the branches in Japan, very surprisingly.

One of the most prominent acquisitions in recent years is that they bought over Asialife General Holdings (the parent company of Asialife) in 2006 and renamed Asialife to be TM Asia. And that is why TM is building up their Life Business through Mergers and Aquisitions. 13 years is still relatively new in term of life. They only got into life in 1996. The one and only most glaring disadvantage of TM is that TM is relatively "new" in life insurance. No company is without weakness, like all companies, however.

Let's hope that things will become better with the change of reinsurer. TM Asia is in the midst of changing their reinsurer, i shall not mention name but from a trusted source, due to trade secrecy reason. The reinsurer of TM Asia is far from ideal, at the same time. You get a 2 years company, that is why though Asialife have 60 years experience in life insurance but if u do an acra check on TM Asialife.

Which company is giving me the most bonus? 2. Are the policies the most value for money? The 2 most important questions we should ask our Advisors about our own policies are - 1. Etc, aviva, nTUC, regardless whether is it TM Asia, we need to understand the background of the company, as Policyholders of our own Insurance, nonetheless.

We as consumers deserved the right to know it:)