Plan highlights
Disciplined long-term saving
Pay regular premiums for 25 or 30 years and receive a lump sum at maturity — suited to building towards a future goal
A lump sum plus dividends at maturity
At maturity you receive the sum insured plus a special return of 10%, with the possibility of a dividend (as declared by the insurer, not guaranteed)
Life cover throughout the term
Throughout the term your family is protected by life cover — this is more than saving alone
Tax deductible
Life insurance premiums are deductible under Revenue Department rules [check the latest criteria]
Details and conditions
| Plans available | 25/25 (25 years of cover and premiums) and 30/30 (30 years of cover and premiums) |
|---|---|
| Maturity benefit | The sum insured plus a special return of 10%, together with any dividend declared by the insurer (not guaranteed) |
| Death benefit | The sum insured or the policy's surrender value, whichever is greater, subject to the conditions |
| Minimum sum insured | THB 50,000 (in steps of THB 50,000 · from THB 500,000, in steps of THB 100,000) |
| Entry age | 25/25 plan: 1 month – 65 years · 30/30 plan: 1 month – 60 years |
| Tax deduction | Life insurance premiums are deductible under Revenue Department rules [check the latest criteria] |
| Riders | Riders (health, critical illness, accident) can be attached subject to the conditions |
Estimate the premium and the return
Choose gender, plan, age and sum insured to see the premium for all four payment frequencies, with a summary of how much more you receive at maturity than you paid in premiums
Entry age Newborn–65 years
Minimum THB 50,000 · maximum THB 1,000,000
Monthly
178
THB
Quarterly
524
THB
Semi-annual
1,009
THB
Annual
1,940
THB
Summary at maturity (25 years)
- Total premiums paid
- 48,500 THB
- Maturity amount (guaranteed portion)
- 55,000 THB
- More than the premiums paid
- +6,500 THB
This excludes any dividend that may be added at maturity, which depends on the insurer's performance and declaration (not guaranteed).
Note: Premiums and benefits are estimates for educational purposes, with rates taken from the plan's reference table (per THB 10,000 of sum insured · instalments derived from the annual premium). The maturity amount shown is the guaranteed portion only (sum insured + 10%). Actual figures depend on the plan, age, gender, underwriting and any declared dividend. Please confirm with an agent before deciding.
Key conditions
- This is a participating endowment. Dividends depend on the insurer's performance and declaration, so the amount is not guaranteed.
- Surrendering the policy before maturity may return less than the premiums paid
- Premiums and benefits depend on the plan, age, gender and the sum insured selected
Tax deduction
Premiums on an endowment policy can be deducted from personal income tax as actually paid
Only for policies with a term of 10 years or more · the limits and criteria follow Revenue Department announcements [check the latest criteria]
Up to
100,000 THB/year