Plan highlights
Life cover through to age 99
Long-term security for the whole of the contract, giving your family peace of mind
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 100% of the sum insured
Tax deductible
Life insurance premiums are deductible under Revenue Department rules
Choose your payment frequency
Premiums may be paid annually, semi-annually, quarterly or monthly, whichever suits you
Riders can be added
Health or critical illness cover can be attached, and the minimum sum insured can be reduced when bought together with a health rider
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–80 years
Minimum THB 200,000 · maximum THB 5,000,000
Premium (Male, age 30 · sum insured THB 200,000)
Annual
4,084
THB/instalment
Semi-annual
2,124
THB/instalment
Quarterly
1,103
THB/instalment
Monthly
368
THB/instalment
Premiums payable to age 99 (another 69 years) · paying every year would total approximately 281,796 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
100% of the sum insured
These figures are estimated from the plan's premium table for general education. This is a pure-protection whole life plan (no survival benefits and no dividends) · actual premiums and cover follow the quotation and the policy. Please confirm with an agent before deciding.
Tax deduction
Premiums on Kum Thanakit 99/99 can be deducted from personal income tax under Revenue Department rules, which makes planning life cover and a legacy more efficient. The limits and conditions follow current tax law and your own circumstances.
Key conditions
- Policy term to age 99 · premium term to age 99
- Entry age 15 days – 80 years (the calculator on this page covers entry ages up to 80, in line with the premium table)
- Minimum sum insured THB 200,000 (reducible to THB 50,000 or 100,000 when bought together with a health rider)
- 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 1,000,000 or more (THB 3 a year per THB 1,000 of cover)
- 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 premiums?
Premiums run to age 99, and life cover also continues for the whole contract to age 99.
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 100% of the sum insured.
Are there survival benefits or dividends during the term?
No. This is a pure-protection whole life plan focused on life cover and on passing on a legacy, with no survival benefits and no dividends.
Are the premiums tax deductible?
Yes. Premiums on this plan are deductible from personal income tax 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. 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.