Plan highlights
High cover of 5–10×
On death the policy pays 5× or 10× the sum insured — substantial security for your family at a manageable premium
Save for 20 years, receive 110% at maturity
If you are living at maturity in year 20, you receive 110% of the sum insured (100% plus a 10% return)
A chance of a dividend
This is a participating plan and may pay a dividend based on the insurer's declared performance (not guaranteed)
Choose your level of cover
Choose Khumtawee 5× or 10× to match your goal — saving with cover, or the highest possible sum insured
Tax deductible
Life insurance premiums are deductible from personal income tax under Revenue Department rules
A sum insured from just THB 50,000
Open to ages 20–60, with a sum insured starting at just THB 50,000
Estimate premiums and benefits
Choose the level of cover, gender, age and sum insured to see the premium and the benefits
Entry age 20–60 years
Minimum THB 50,000 · maximum THB 1,000,000
Life cover of 5× the sum insured
250,000 THB
From a sum insured of THB 50,000 · 20 years of cover
Premium (paid for 20 years · sum insured THB 50,000)
Monthly
364
THB
Quarterly
1,091
THB
Semi-annual
2,101
THB
Annual
4,040
THB
Total premium over 20 years (paid annually) 80,800 THB
Premium rates differ for men and women · this is a participating plan and the dividend is not guaranteed · there are no survival benefits during the term · these figures are estimates for educational purposes, tax relief is not included, and actual premiums and benefits follow the policy. Please confirm with an agent before deciding.
Tax deduction
Premiums on Khumtawee can be deducted from personal income tax under Revenue Department rules. It suits people who want to save with a high level of cover while claiming the deduction. The limits and conditions follow current tax law and your own circumstances.
Key conditions
- Policy term 20 years · premium term 20 years
- Entry age 20 – 60 years · minimum sum insured THB 50,000
- On death, the policy pays 5× or 10× the sum insured, depending on the version selected
- At maturity (year 20) you receive 100% of the sum insured plus a 10% return (110% in total), together with any dividend declared by the insurer
- This is a participating plan, and the dividend is not guaranteed — it depends on performance
- There are no survival benefits during the term · surrendering before maturity may return less than the premiums paid
Frequently asked questions
How do the 5× and 10× versions differ?
They differ in the death benefit — the 5× version pays 5 times the sum insured and the 10× version pays 10 times (at a higher premium for the greater cover). Both pay 110% at maturity.
How much do I receive at maturity?
If you are living at maturity in year 20 you receive 110% of the sum insured (100% plus a 10% return), together with any dividend declared by the insurer, which is not guaranteed.
Are there survival benefits during the term?
No. This plan focuses on a high sum insured along the way and a lump sum of 110% at maturity.
Are the premiums tax deductible?
Yes, under Revenue Department rules. We recommend checking the current criteria and limits before claiming.
This page is produced by an independent life insurance agent for general education. It is not an official page of any insurer. This is a participating plan and the dividend is not guaranteed. The actual benefits, premiums and conditions follow the policy and the sales documents. Tax deductions follow Revenue Department rules and your own circumstances. Please consult an agent before deciding.