Plan highlights
20 years of premiums, cover to 99
Premiums run for just 20 years while life cover continues to age 99, so the commitment ends before retirement
Pass on a legacy
On death, the full sum insured is paid as a lump sum, passing security on to your family
A lump sum at the end of the contract
If you are living at the end of the contract at age 99, you receive a lump sum equal to the sum insured
Tax deductible
Life insurance premiums are deductible under Revenue Department rules (up to THB 100,000)
Choose your payment frequency
Premiums may be paid annually, semi-annually, quarterly or monthly, whichever suits you
Discount at higher sums insured
A premium discount applies for a sum insured of THB 500,000 or more, subject to the conditions
Estimate the premium and cover
Choose gender, age and sum insured to see the premium for each payment frequency and the cover
Entry age Newborn–70 years
Minimum THB 200,000 · maximum THB 5,000,000
Premium (paid for 20 years · sum insured THB 200,000)
519
THB/instalment
1,556
THB/instalment
2,996
THB/instalment
5,762
THB/instalment
Total premium over 20 years (paid annually) 115,240 THB
Life cover (whole term)
200,000 THB
or more — the surrender value or the premiums paid, whichever is greater
Maturity benefit (age 99)
200,000 THB
Equal to the sum insured
These figures are estimates for educational purposes. This is a pure-protection whole life plan (no survival benefits and no dividends) with premiums for only 20 years · actual premiums and cover follow the quotation and the policy. Please confirm with an agent before deciding.
Tax deduction
Premiums on Kum Thanakit 99/20 can be deducted from personal income tax for up to THB 100,000 under Revenue Department rules. The limits and conditions follow current tax law and your own circumstances.
Key conditions
- Policy term to age 99 · premium term 20 years
- Entry age 1 month – 70 years · minimum sum insured THB 200,000
- This is a pure-protection whole life plan with no survival benefits and no dividends
- A premium discount applies for a sum insured of THB 500,000 or more
- On death, the policy pays the sum insured, the surrender value, or the total premiums paid, whichever is greatest
- Surrendering the policy before maturity may return less than the premiums paid
Frequently asked questions
How long do I pay, and how long am I covered?
Premiums run for just 20 years, while life cover continues through to age 99.
How does it differ from Kum Thanakit 99/99?
With Kum Thanakit 99/20 you finish paying after 20 years, while 99/99 takes premiums to age 99. Both cover you to age 99 — choose according to what you can afford and your financial plan.
What do I receive at the end of the contract?
If you are living at the end of the contract at age 99, you receive a lump sum equal to the sum insured.
Are the premiums tax deductible?
Yes. Premiums on this plan are deductible from personal income tax under Revenue Department rules (up to THB 100,000).
This page is produced by an independent life insurance agent for general education. It is not an official page of any insurer. 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.