Whole Life

• Life coverage until 99 years old of age
• Premium payment options: 15 years or until the age of 90 years old
• High coverage with reasonable premium rate
• Maturity benefit of 100% of sum assured
• Riders attachable according to your needs, e.g. health, accident, and dread disease coverages
• Personal income tax deduction benefit up to THB 100,000 of life premium, following the conditions of Thailand Revenue Department (Read more)
• Life premium discount applicable to 
• The plans with premium payment period of 15 years with sum assured of THB 250,000 and above
• The plans with premium payment until insured age of 90 years old with sum assured of THB 400,000 and above

• The company will pay 100% of sum assured, in case of death before or living until the end of contract at age 99.

• Life coverage THB 400,000 (1) 
• Total premium paid THB 168,000 (2) 
  • Annual premium THB 11,200 (premium already discounted by THB 400)
  • Premium payment period 15 years, until insured age 59 years old 
• Maturity benefit at age 99 THB 400,000 (3)
• Diff between total premium paid and benefit (3)-(2) THB 232,000

Remark: Life coverage In case of death before or living until the end of contract at age 99, the company will pay THB 400,000.

Example

Preliminary Underwriting Guideline

• Insured age: 31 days until 70 years old
• The plan with premium payment period of 15 years must attach with either Hospital and Surgical Rider Delight Care (HSD) with minimum Room and Board of 3,000 baht per day or Multi-stage Critical Illneses 50 Rider (DD50) with at least equal sum assured of basic plan’s sum assured. Insured still can buy other riders attaching subject to underwriting guidelines.

Policy applicants should study, read, and comprehend about coverage details and conditions before deciding to purchase. Please find more information from policy contract. In addition, company underwriting guideline will be applied.