Plan highlights
Short premiums, long cover
Premiums run for just 10 years, while life cover continues through to age 99
An income in retirement
30% of the sum insured at age 60, then 12% a year from age 61 to 98
Pass on a legacy
At the end of the contract at age 99 you receive 100% of the sum insured, with life cover for your family throughout the term
A chance of a dividend
This is a participating (Par) plan and may pay an additional dividend (not guaranteed)
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
Estimate premiums and benefits
Choose gender, age and sum insured to see the premium for each payment frequency and the benefit path
Entry age Newborn–50 years
Minimum THB 50,000 · maximum THB 2,000,000
Premium (paid for 10 years · Male, age 30 · sum insured THB 50,000)
Annual
13,028
THB/instalment
Semi-annual
6,774
THB/instalment
Quarterly
3,517
THB/instalment
Monthly
1,172
THB/instalment
Total premium over 10 years (paid annually) 130,275 THB
Guaranteed benefit path (if living to the end of the contract)
Premiums for 10 years
THB 13,028 a year, then payments stop
Life cover
Pays the sum insured (or more, subject to the conditions)
Lump sum of 30%
30% of the sum insured
12% a year (38 years in total)
THB 6,000 a year · THB 228,000 in total
Maturity: 100%
Maturity benefit of 100% of the sum insured
Total guaranteed living benefits (ages 60–99)
293,000 THB
Equal to 586% of the sum insured (30% + 12% × 38 years + 100%) · any dividend is not included
These figures are estimated from the plan's premium table for general education. The living benefits and the maturity amount are the guaranteed portion, while the dividend is not guaranteed and depends on the insurer's performance · actual premiums and benefits follow the quotation and the policy. Please confirm with an agent before deciding.
Guaranteed benefits
Life cover
On death, the policy pays the sum insured, the surrender value, or 101% of the premiums paid, whichever is greatest
30% returned
30% of the sum insured on the policy anniversary at age 60
12% a year
12% of the sum insured each year for 38 consecutive years (456% of the sum insured in total)
Maturity: 100%
A maturity benefit of 100% of the sum insured
Tax deduction
Premiums on Legacy Fit Retire 99/10 can be deducted from personal income tax under Revenue Department rules, which makes planning retirement 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 10 years
- Entry age 15 days – 70 years (the calculator on this page covers entry ages up to 50, in line with the premium table available)
- Minimum sum insured THB 50,000 · no fixed maximum (subject to underwriting)
- This is a participating (Par) plan. Dividends are not guaranteed and depend on the insurer's performance and declaration.
- If the policy is surrendered or converted to paid-up or extended term cover, the benefits and the right to dividends change according to the conditions
Frequently asked questions
How long do I pay, and how long am I covered?
Premiums run for just 10 years, while life cover continues through to age 99, with money back during the term from age 60 onwards.
When do I receive money back?
30% of the sum insured at age 60, then 12% a year from age 61 to 98, and a lump sum of 100% of the sum insured at the end of the contract at age 99. All of this is the guaranteed portion.
Am I certain to receive a dividend?
No. This is a participating plan, and the insurer declares a dividend each year based on its performance. The survival benefits and the maturity amount are the guaranteed portion.
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. Dividends are not guaranteed. Tax deductions follow Revenue Department rules and your own circumstances. Please consult an agent before deciding.