Plan highlights
An easy place to start saving with cover
With a minimum main premium of just THB 3,000 a month (THB 36,000 a year) you can start building wealth alongside life cover
Premium holiday
When needed, you can pause payment of the main premium subject to the conditions, and the policy stays in force
Adjust the premium and cover during the term
Increase or reduce the main premium and the sum insured during the term, subject to the conditions
A short 5-year commitment
A surrender charge applies only in the early years and is zero from policy year 5 onwards
Add or adjust health riders
Health, critical illness and accident riders can be changed or added, including after the policy has been taken out
No policy administration fee
There is no policy administration fee on either the savings premium or additional investment premium
Calculate the maximum sum insured
Choose gender and age and enter the main premium you plan to pay each year — the maximum sum insured is calculated immediately.
Entry age 0–70 years
Steps of THB 1,000 · minimum THB 36,000/year (press and hold to scroll)
Maximum sum insured
3,204,000
THB
= main premium THB 36,000/year × 89 (Male, age 30 years)
Calculated from the table of multiples of the main regular premium (RP) by gender and age, for general education. The sum insured actually accepted depends on underwriting and the insurer's conditions. Please confirm with an agent before deciding.
Underwriting conditions
| Entry age | 15 days – 80 years |
|---|---|
| Policy term (cover) | To age 99 |
| Premium payment term | To age 99 |
| Payment frequency | Annual / semi-annual / quarterly / monthly |
| Minimum main premium (RP) | Annual THB 36,000 · semi-annual THB 18,000 · quarterly THB 9,000 · monthly THB 3,000 |
| Additional savings premium (top-up: TP) | Up to 1× the accumulated main premium in each policy year, with no fee to add or withdraw |
| Guaranteed minimum return | 1% a year on the policy account value |
| Death benefit | The sum insured plus the policy account value |
| Maturity benefit | The policy account value |
| Retirement planning | Convert the account value into a pension, with no limit on the number of conversions · available between ages 55 and 70 once the policy has been in force for 5 years or more |
| Riders | Riders can be attached under the insurer's criteria |
Investment portfolio
The approximate allocation of the portfolio used specifically for LifeVerse products (the insurer allocates according to its policy and reviews this regularly; the actual allocation may change).
- 60%Corporate bonds
- 20%Equities
- 16%Government bonds
- 4%Deposits
Tax deduction
Life insurance premiums can be deducted from personal income tax as actually paid
Health insurance premiums are deductible for up to a further THB 25,000 a year (combined with life premiums, not exceeding THB 100,000) · the criteria follow Revenue Department announcements [check the latest criteria]
Up to
100,000 THB/year
★Privileges for Life Verse clients
Clients of this product also receive the "Care with Heart" health programme — from a medical concierge and holistic cancer care to health screening and special family services
See all privileges →