Plan highlights
Short saving, only a few years of premiums
Premiums for just 5 years (15/5) or 6 years (12/6) — annual premiums only
No medical exam or health questions
You can apply without a medical examination and without answering health questions, so it is open to people with existing health conditions — useful for anyone who wants cover mainly for the tax deduction
Money back during the term
Guaranteed survival benefits each year or every other year before maturity
A lump sum at maturity plus dividends
A lump sum at maturity (450% / 600% of the sum insured) with the possibility of a dividend (not guaranteed)
Tax deductible
Life insurance premiums are deductible under Revenue Department rules [check the latest criteria]
Estimate premiums and benefits
Choose a plan, age and sum insured to see the annual premium, the total premium and a summary of the guaranteed benefits, including how much more you receive than you paid in
Entry age Newborn–70 years
Minimum THB 50,000 · maximum THB 1,000,000
Annual premium (paid once a year)
49,250
THB × 5 years
Total premiums
246,250
THB
Benefit timeline over the term (15 years)
Possible dividend (if declared) Maturityof contract
+2,000
+2,000
+2,000
+2,000
+2,000
+2,000
+2,000
+3,000
+3,000
+3,000
+3,000
+3,000
+3,000
+3,000
225,000
Years in which a dividend may be paid (not guaranteed; it depends on the insurer's performance) · life cover steps up over time · figures are based on the sum insured selected (the guaranteed portion).
Guaranteed benefits
- Total survival benefits
- 35,000 THB
- Maturity benefit
- 225,000 THB
- Total guaranteed benefits
- 260,000 THB
- More than the premiums paid
- +13,750 THB
(4% a year (years 1–7) and 6% a year (years 8–14))
This excludes any dividend that may be added during the term and at maturity, which is not guaranteed (it depends on the insurer's performance and declaration).
More than the premiums paid (including the estimated dividend)
based on investment return assumptions — the dividend is not guaranteed
Assuming 3%
+44,289
THB · IRR 1.37%
Assuming 4%
+69,957
THB · IRR 2.07%
Assuming 5%
+100,008
THB · IRR 2.82%
Compared with the guaranteed portion (+THB 13,750). The 3/4/5% figures are illustrations including a dividend (not guaranteed), based on the insurer's sample IRR assumptions (male, age 35). The actual dividend depends on fund performance and the insurer's declaration each year.
Note: Premiums and benefits are estimates for educational purposes, per THB 100,000 of sum insured (the same rate for men and women · annual premiums only). The benefits shown are the guaranteed portion and exclude any dividend. Actual figures depend on the plan, age and underwriting. Please confirm with an agent before deciding.
The portfolio and its past returns
The dividend on this plan comes from the investment return of the participating fund (Par Fund)
- Corporate bonds
- Government bonds
- Equities
- Bank deposits
Fund investment return (historical)
Allocation as at 30 April 2026 · this investment return is not the same as the dividend rate. The insurer allocates part of the return after policy costs to policyholders (around 80%, which may change) as a dividend, which is not guaranteed · past performance does not indicate future returns.
Key conditions
- This is a participating (Par) plan — dividends are not guaranteed and depend on the insurer's performance and declaration
- Annual premiums only
- The survival benefits and the maturity amount are the guaranteed portion; the dividend is not guaranteed
- Surrendering the policy before maturity may return less than the premiums paid
Tax deduction
Premiums on an endowment policy can be deducted from personal income tax as actually paid
Only for policies with a term of 10 years or more · the limits and criteria follow Revenue Department announcements [check the latest criteria]
Up to
100,000 THB/year
Details and conditions
| Plans available | 15/5 (15 years of cover · 5 years of premiums) and 12/6 (12 years of cover · 6 years of premiums) — annual premiums only |
|---|---|
| Entry age | 15/5 plan: 1 month – 70 years · 12/6 plan: 1 month – 75 years |
| Survival benefits (guaranteed) | 15/5: 4% a year (years 1–7) and 6% a year (years 8–14) · 12/6: 6% at the end of years 2, 4, 6, 8, 10 and 12 |
| Maturity benefit (guaranteed) | 15/5: 450% · 12/6: 600% of the sum insured (or 100.5% of total premiums paid less survival benefits already paid, whichever is greater) |
| Total benefits over the term (guaranteed) | 15/5: 520% · 12/6: 636% of the sum insured, plus any dividend (not guaranteed) |
| Death benefit | Increases with each policy year, from 100% up to 500% (15/5) or 600% (12/6) of the sum insured |
| Premium (the same for men and women) | Per THB 100,000 of sum insured — roughly THB 98,500–99,000 a year for 15/5 and THB 99,500–99,800 a year for 12/6 (depending on age band) |
| Tax deduction | Life insurance premiums are deductible under Revenue Department rules [check the latest criteria] |