Independent life insurance agent · Education and advice
Plan your insurance with clarity and make use of tax deductions that fit your life
Choose life and health insurance that matches your financial goals, with a clear understanding of the tax deductions available under current law. Consultation is free, with no obligation.
Note: Tax deductions and policy benefits are subject to the terms of each policy and to the laws currently in force.
Recommended
Popular insurance plans
The premiums and coverage shown are starting examples for each plan. Browse them and message us to compare against your own goals.
- Health insurance
Health Fit DD
Recommended by ArmRoom rate (per day)THB 6,000Annual limitTHB 15 million- Covers the actual bill from the first baht
- A deductible option can lower the premium
- An OPD rider can be added
- Eligible for a tax deduction
Premium / year
THB 18,790
*example premium
- Unit-linkedTax deductible
Life Verse
Recommended by ArmPremium payment termAs short as 5 yearsTax deductionYes*- On death, pays the investment value plus the life cover
- Premium holidays are available
- Minimum return of 1% a year guaranteed by the insurer*
- Health riders can be added or adjusted
Premium / year
THB 36,000
*example premium
- Critical illness
Critical Illness Multi-pay
Recommended by ArmCritical illness coverTHB 1,000,000Maximum total benefit500%- Covers 108 conditions
- Pays at every stage, from early to severe
- Premiums waived once 100% has been paid out
Premium / year
THB 1,650
*example premium
*Premiums depend on age, gender and the plan selected · Benefits and coverage follow the conditions stated in the policy. Tax deductions follow Revenue Department rules. Please review the details before deciding.
Choose a plan that matches your goal
Protection, savings and tax deductions in one place. Pick a category to see how it works and which plans belong to it.
Endowment savingsDisciplined long-term saving with life cover included
Pension & retirement planningBuild a regular retirement income and a legacy to pass on
Whole life insuranceLong-term life cover that passes security on as a legacy
Term life insuranceHigh cover, light premium, to look after the people you support
Senior insuranceEasy to apply with no medical exam — a legacy for your family
Health insuranceA treatment limit matched to your hospital and existing benefits
Daily hospital cashA cash benefit for every night in hospital, replacing lost income
Unit-linked insuranceAdjustable cover combined with investment, and investment risk
Critical illness insuranceA lump sum for a major diagnosis, to carry you through treatmentThis content is provided for general education. Tax deductions and coverage depend on current law and on the conditions of each policy. Please review the details before making a decision.
Founder
The person who looks after every client
Arm — Rattakarn ThanoiFull-time life insurance agent
Arm is a full-time life insurance agent with more than five years of experience advising clients across different life stages. He gives straightforward advice on protection planning, explains policy conditions in plain language, and stays with clients through every step of a real claim — because good insurance starts with understanding, not with selling.
- 5+ years of experience
- MDRT qualifier
- Extensive claims-handling experience
- Thai Life Insurance agent
Life insurance agent licence no. 6201067493 · Investment consultant licence no. 124235
Everything we look after,all in one place
Browse plans by goal — tax deductions, health, critical illness and long-term planning. Touch and hold a card to pause and read.
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Endowment savingsThanasap (25/25 · 30/30)
An endowment plan with a savings and premium term of 25 or 30 years. Receive a lump sum at maturity, with life cover throughout and the possibility of a dividend.
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Short savings termEndowment savingsMoney Fit Wealthy (15/5 · 12/6)
A short-term participating endowment. Choose 15/5 (5 years of premiums, 15 years of cover) or 12/6 (6 years of premiums, 12 years of cover), with survival benefits during the term and a lump sum at maturity.
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Tax deductibleEndowment savingsThanatawee 25/15
An endowment with 15 years of premiums and 25 years of cover. It pays 1% of the sum insured each year during the term and 126% at maturity, giving total guaranteed living benefits of 149% of the sum insured.
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Tax deductibleEndowment savingsThanatawee 15/8
An endowment with a short 8-year premium term and 15 years of cover. It pays 1% of the sum insured each year during the term and 210% at maturity, giving total guaranteed living benefits of 223% of the sum insured.
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Tax deductibleEndowment savingsSap Panphol 1
A 20/20 endowment (20 years of cover and premiums) that pays 1% of the sum insured each year during the term and 120% at maturity, with life cover throughout.
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Tax deductibleEndowment savingsTL Plan 20/10 · 20/15
An endowment with 20 years of cover. Choose a premium term of 10 years (20/10) or 15 years (20/15) and receive a lump sum of 150% of the sum insured at maturity, with life cover throughout.
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Tax deductibleEndowment savingsKhumtawee 20/20
An endowment with a high sum insured, covering you and taking premiums for 20 years. Choose life cover of 5× or 10× the sum insured, receive 110% at maturity, and share in any declared dividend.
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Tax deductibleEndowment savingsSap Panphol 20/20
A participating endowment covering you and taking premiums for 20 years. It pays 2% of the sum insured each year during the term and 110% at maturity — total guaranteed living benefits of 146% — plus the possibility of a dividend.
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Tax deductiblePension & retirement planningLegacy Fit Retire 99/10
A participating whole life plan with 10 years of premiums and cover to age 99. It pays a retirement income from age 60 and a lump sum at the end of the contract.
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Tax deductiblePension & retirement planningKasem Pension 3 (deductible pension plan)
A tax-deductible pension plan. You pay premiums to age 60, then receive a pension of 13% of the sum insured each year from age 60 to 90 (guaranteed for at least 15 years).
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Tax deductiblePension & retirement planningMoney Fit Retire 90/55 (deductible pension plan)
A tax-deductible pension plan for people planning to retire at 55. You pay premiums to age 55, then receive a pension of 15% of the sum insured each year from age 55 to 90 (guaranteed for at least 15 years).
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Tax deductiblePension & retirement planningSap Bumnan G 85/10 (deductible pension plan)
A tax-deductible pension plan with a short premium term of just 10 years, then a pension of 12% of the sum insured each year from age 60 to 85 (guaranteed for at least 15 years).
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Tax deductibleWhole life insuranceKum Thanakit 99/99
A pure-protection whole life plan covering you to age 99, with premiums payable to age 99. It focuses on security and on passing on a legacy, with a lump sum at the end of the contract.
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Tax deductibleWhole life insuranceKum Thanakit 99/20
A pure-protection whole life plan with premiums for just 20 years and life cover to age 99. At the end of the contract it pays a lump sum equal to the sum insured, focused on security and on passing on a legacy.
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Tax deductibleWhole life insuranceLegacy Fit Care 99/10
A whole life plan with a short premium term of just 10 years and life cover through to age 99. It focuses on passing on a lump sum to your family, and returns 100% of the sum insured if you are living at the end of the contract.
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Tax deductibleTerm life insuranceKum Sap (T) 19 years
A term life policy with 19 years of cover and premiums. It is pure protection at an economical premium: if you die within the policy term, the full sum insured is paid. It suits people who want a high sum insured on a limited budget.
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Tax deductibleSenior insuranceSap Mingkwan 90/15
A senior plan open to applicants aged 60–75 with no medical examination. Premiums run for 15 years, cover continues to age 90, and you receive a lump sum of 150% of the sum insured if you are living at the end of the contract.
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Tax deductibleHealth insuranceHealth Fit Shield
An entry-level health rider focused on inpatient (IPD) treatment costs at an affordable premium. Four plans are available with an annual limit of THB 2–4 million, suited to anyone starting health cover on a limited budget.
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Health insuranceHealth Fit DD
A lump-sum health plan available either from the first baht or with a deductible, which suits people whose existing benefits already cover the first portion of a bill.
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Health insuranceHealth Fit Ultra
A high-limit lump-sum plan covering the 13 treatment categories subject to the policy conditions, with a choice of room level and territory of cover.
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Tax deductibleDaily hospital cashHealth Fit Pro
A daily hospital cash rider paying a cash amount for every day you are admitted as an inpatient, rising to 4× in an ICU, with additional surgical and accident benefits.
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Daily hospital cashDaily hospital benefit
A daily hospital cash rider that pays a fixed amount for each day you are admitted as an inpatient, helping replace income and cover costs your other benefits do not. The benefit level depends on your age and on the sum insured of the main life policy.
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Unit-linked insuranceUnit-linked plan, built around you
Thai Life Insurance LifeVerse Wealth Fit 99/99 is a unit-linked plan that lets you adjust the balance between cover and investment. Its value depends on the performance of the investment portfolio.
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Unit-linked insuranceLifeVerse privileges
A package of privileges covering health, holistic cancer care, lifestyle and family services, for unit-linked policyholders.
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Critical illness insurance108 conditions, paid on diagnosis (critical illness multi-pay)
Cover for 108 critical illnesses and conditions, paying benefits at every stage on a multi-pay basis, subject to the defined stages and conditions.
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Critical illness insuranceCritical illness cash benefit
A rider paying a daily cash benefit when you are admitted to hospital with one of 10 groups of critical illness, together with a benefit in the event of death from a critical illness.
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Tax deductibleCritical illness insuranceMulti-pay cancer insurance
A rider covering cancer specifically, from carcinoma in situ through to invasive cancer that returns, paying a lump sum benefit more than once.
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Coverage details and conditions follow each individual policy. Please review them before deciding.
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